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Method of Verification Request Letter:

After filing a dispute with a credit bureau, you may receive a response claiming the information was “verified as accurate.” But how did they verify it?
The Method of Verification Request Letter gives you the legal right to ask exactly how a bureau confirmed the information—and who supplied the verification—under Section 611(a)(7) of the Fair Credit Reporting Act (FCRA).

At Middle Credit Score®, we empower consumers to repair their credit the right way—by understanding the law and using free, compliant tools.
This letter, along with dozens of others, is part of our Credit Dispute Letters Support Center, built to help you manage every stage of the dispute process with confidence.

🔍 When to Use a Method of Verification Request Letter

Use this follow-up letter if:

  • A bureau claims a disputed item was “verified” without explanation.
  • You suspect the bureau didn’t contact the original creditor.
  • You want documentation showing who verified the information and how.
  • You’re preparing to escalate your case to the Consumer Financial Protection Bureau (CFPB) or your State Attorney General.

This letter requires the bureau to disclose its verification procedure or delete the unverified item entirely.

💡 Why This Letter Matters

Credit bureaus often rely on automated systems rather than real investigations. By sending a Method of Verification Request Letter, you:

  • Force the bureau to reveal how they validated your dispute.
  • Establish a paper trail that supports future complaints if they fail to comply.
  • Increase the likelihood that unverifiable data will be permanently deleted.
  • Strengthen your Middle Credit Score® by ensuring your report is based only on verified, accurate information.

When credit bureaus know you understand your rights, they take your disputes more seriously.

🧭 Step-By-Step: How to Send

  1. Wait until you receive the bureau’s dispute results letter.
  2. Identify which items were marked “verified.”
  3. Complete the Method of Verification Request Letter below with the item details and date of the original dispute.
  4. Include copies of your identification and proof of address.
  5. Send your letter by certified mail with return receipt within 15 days of receiving the bureau’s response.

If the bureau fails to respond within a reasonable period or cannot explain its verification method, you can file a complaint with the CFPB or your state regulator.

🔗 Explore More Credit Protection Tools

For additional templates and educational guides, visit our
➡️ Credit Dispute Letters Library.
To master how your Middle Credit Score® works and learn strategies to boost it, explore the
➡️ Middle Credit Score® Academy.

🧠 Bottom Line

A Method of Verification Request Letter is your safeguard against lazy or incomplete investigations.
When you ask credit bureaus to show proof of their verification process, you’re defending your rights and preserving the integrity of your Middle Credit Score®.

Method of Verification Request Letter:

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Credit Bureau Name]
[Address]

Re: Request for Method of Verification Under FCRA Section 611(a)(7)

Dear [Credit Bureau Representative],

On [date of prior dispute], I submitted a written dispute regarding the accuracy of information on my credit report. You responded by stating that the item had been verified as accurate. Under Section 611(a)(7) of the Fair Credit Reporting Act, I am requesting a detailed description of how that verification was conducted.

Please provide:

  1. The name, address, and telephone number of the party who verified the information;
  2. The method used to verify the accuracy; and
  3. Any documentation or records relied upon in your reinvestigation.

Without proof of independent verification, the information cannot be considered accurate or complete. I request that you provide this information within 15 days of receipt of this letter or delete the disputed item from my file.

I have enclosed a copy of my identification and the original dispute letter for reference.

Thank you for your prompt compliance.

Sincerely,
[Your Signature]
[Your Printed Name]

⚖️ Disclaimer

The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each credit bureau may have its own procedures, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.

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