{{OPERATOR_NAME}}
{{OPERATOR_ADDRESS}}
{{OPERATOR_CITY}}, {{OPERATOR_STATE}} {{OPERATOR_ZIP}}
Date of Birth: {{OPERATOR_DOB}}
SSN (last 4): XXX-XX-{{OPERATOR_SSN4}}

{{TODAY}}

{{BUREAU_NAME}}
{{BUREAU_ADDRESS}}

**Re: Method-of-Verification request — FCRA §611(a)(7)**

Dear {{BUREAU_NAME}},

On {{PRIOR_DISPUTE_DATE}} I filed a formal dispute of the following item under FCRA §611. You responded that the disputed item was "verified." I am now formally requesting, pursuant to 15 U.S.C. §1681i(a)(7), a description of the procedure used to verify the disputed information.

**Account information:**
- Creditor: {{CREDITOR}}
- Account number (last 4): {{ACCOUNT_LAST4}}
- Date of my prior dispute: {{PRIOR_DISPUTE_DATE}}
- Your response date: {{PRIOR_RESPONSE_DATE}}

Please provide, within fifteen (15) days of receipt of this letter, the following:

1. The name of the individual employee who performed the reinvestigation
2. The business name, address, and telephone number of every furnisher of information contacted regarding this account
3. Copies of every document reviewed during the reinvestigation
4. The specific procedure followed to verify the accuracy of the tradeline (was the account holder verified? was every reported field independently confirmed? was the original signed contract reviewed?)
5. The date each communication with the furnisher was sent and received
6. All documentation received from the furnisher supporting each field on the tradeline

If you cannot provide this documentation, or if your reinvestigation consisted solely of an e-OSCAR ACDV form matching against the furnisher's records without independent verification, the "verification" is insufficient under FCRA. Per Cushman v. Trans Union Corp., 115 F.3d 220 (3d Cir. 1997), a reasonable reinvestigation requires more than parroting information supplied by the furnisher.

If you cannot produce a legally sufficient description of your verification procedure within fifteen days, I request immediate deletion of the tradeline.

Sincerely,

_______________________
{{OPERATOR_NAME}}

Enclosures: copy of prior dispute (dated {{PRIOR_DISPUTE_DATE}}), copy of your verification response (dated {{PRIOR_RESPONSE_DATE}})

*Sent via USPS Certified Mail with Return Receipt Requested.*
