Method of Verification Request
Ask a bureau how it verified an item after your dispute came back as verified.
Fair Credit Reporting Act (FCRA), Section 611(a)(7)
When to use it
Use after a credit bureau says it verified an item that you still believe is inaccurate or unsupported.
How to use it
- Reference the prior dispute confirmation number if available.
- Ask for the furnisher contacted and method used.
- Keep the request factual and specific.
- Use the response to support a follow-up dispute or complaint.
Template
[Your Full Name]
[Your Mailing Address]
[City, State ZIP]
[Date]
[Credit Bureau Name]
[Credit Bureau Address]
Re: Method of verification request for account [XXXX]
To Whom It May Concern:
You recently informed me that the disputed item listed above was verified. Under the Fair Credit Reporting Act, I request a description of the method of verification used in your investigation.
Please provide:
1. The name, address, and telephone number of each furnisher contacted.
2. The specific method used to verify the item.
3. The date verification was completed.
4. Any documentation relied upon to verify the information.
If the item cannot be meaningfully verified as complete and accurate, please delete or correct it and send me an updated report.
Sincerely,
[Your Signature]
[Your Printed Name]
iRunCredit provides free educational information and document templates. We are not a law firm, credit repair organization, lender, credit bureau, or financial advisor, and nothing here is legal, financial, or credit repair advice. You can dispute credit-report errors and contact creditors yourself for free under federal law. Always verify facts, keep copies, and consider a qualified professional for your specific situation.