VERIFICATION LETTER · Credit Freedom Society

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3d • Q&A Credit Repair

VERIFICATION LETTER

Has this happened to you?

You file a legit dispute with the credit bureau — and within days, they come back saying:

“We’ve verified this information is accurate.”

…but they don’t show how they verified it. 😒

That’s where the Method of Verification (MOV) Letter comes in.

You have a right under the FCRA Section 611 (15 U.S.C. § 1681i) to demand how they investigated and verified your dispute.

💼 What This Letter Does:

✅ Forces credit bureaus to show:

Who they contacted
What documents they received
How they verified the info

✅ If they fail to provide it within 15 days, you may be able to demand deletion or escalate to the CFPB.

✉️ COPY + PASTE METHOD OF VERIFICATION LETTER:

[Your Full Name]

[Your Address]

[City, State ZIP Code]

[Date]

[Credit Bureau Name]

[Address – Experian / Equifax / TransUnion]

Subject: Request for Method of Verification – FCRA § 611

To Whom It May Concern:

I recently disputed the following account on my credit report:

Creditor Name: [Insert Creditor Name]

Account Number: [Insert Account Number]

Dispute Date: [Insert Date of Original Dispute]

I received a response from your office stating that the account was “verified as accurate.” However, I was not provided with any information on how this verification was conducted.

Under the Fair Credit Reporting Act (FCRA) Section 611, I am requesting a detailed **Method of Verification**, including:

1. The name and contact information of the party you contacted to verify the information

2. The method used to verify the account

3. Copies of any documents or records that were used to support the verification

Please respond within 15 days as required by law. If you are unable to provide this information, I request that the account be deleted from my credit report.

Sincerely,

[Your Full Name]

[Last 4 of SSN]

[Phone Number]

What to Do Next:

• Mail via certified mail with return receipt

• Wait for their response

• If they don’t respond or refuse to disclose info → escalate to the Consumer Financial Protection Bureau (CFPB.gov)

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