FCRA Method of Verification (MOV) Request

Free template for an FCRA Method of Verification request after a bureau verifies a disputed item. Cites § 611(a)(7).

When to use this template

Use this template after a bureau has 'verified' a disputed item without explanation. The MOV request forces them to disclose how they verified it; many bureaus drop the verification rather than disclose the inadequate process.

Federal statutes invoked

15 U.S.C. § 1681i(a)(7)
FCRA § 611(a)(7)

Blank template

[Your Name + Address]
[Date]

[Bureau Name + Address]

RE: Method of Verification Request - File No. [Number]

Dear Dispute Department,

You recently completed a reinvestigation of the following item and concluded it was verified as accurate:

  Account: [Creditor + Account #]
  Date of your verification: [Date]

Under 15 U.S.C. § 1681i(a)(7), I am requesting a description of the procedure used to determine the accuracy and completeness of the disputed information. Specifically:

  1. The name, address, and telephone number of every furnisher contacted
  2. The exact information provided by each furnisher
  3. The internal procedures used to verify the dispute
  4. Copies of any documentation relied upon

You must provide this information within 15 days of receipt of this letter.

Failure to provide a meaningful method of verification, or reliance on a "parroting" e-Oscar response from the furnisher, is itself a violation of § 1681i.

Sincerely,
[Your Signature]

Filled-in example

Aisha Williams
321 Cedar Court
Atlanta, GA 30301
April 28, 2026

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374

RE: Method of Verification Request - File No. EQX-9988421

You recently completed a reinvestigation of the following item and concluded it was verified as accurate:

  Account: Midland Funding LLC, account ending #7142
  Date of your verification: March 22, 2026

Under 15 U.S.C. § 1681i(a)(7), please describe the procedure used. Specifically:

  1. The name, address, and telephone number of every furnisher contacted
  2. The exact information provided by each furnisher
  3. The internal procedures used to verify the dispute
  4. Copies of any documentation relied upon

You have 15 days from receipt of this letter to respond.

Sincerely,
Aisha Williams

(Names, addresses, and account numbers are fictional.)

If you don't get a response in 30 days

If the bureau cannot describe a meaningful verification procedure, file a § 1681i and § 1681e(b) lawsuit. LawSensai escalates these cases to the attorney network.

Generate this letter, ready to mail

LawSensai pre-fills every field from your credit report, runs the FCRA citations, and offers $8.99 USPS certified mailing with return receipt - the gold-standard way to anchor the 30-day clock.

Use this template

Blank template

[Your Name + Address] [Date] [Bureau Name + Address] RE: Method of Verification Request - File No. [Number] Dear Dispute Department, You recently completed a reinvestigation of the following item and concluded it was verified as accurate: Account: [Creditor + Account #] Date of your verification: [Date] Under 15 U.S.C. § 1681i(a)(7), I am requesting a description of the procedure used to determine the accuracy and completeness of the disputed information. Specifically: 1. The name, address, and telephone number of every furnisher contacted 2. The exact information provided by each furnisher 3. The internal procedures used to verify the dispute 4. Copies of any documentation relied upon You must provide this information within 15 days of receipt of this letter. Failure to provide a meaningful method of verification, or reliance on a "parroting" e-Oscar response from the furnisher, is itself a violation of § 1681i. Sincerely, [Your Signature]

Filled-in example

Aisha Williams 321 Cedar Court Atlanta, GA 30301 April 28, 2026 Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374 RE: Method of Verification Request - File No. EQX-9988421 You recently completed a reinvestigation of the following item and concluded it was verified as accurate: Account: Midland Funding LLC, account ending #7142 Date of your verification: March 22, 2026 Under 15 U.S.C. § 1681i(a)(7), please describe the procedure used. Specifically: 1. The name, address, and telephone number of every furnisher contacted 2. The exact information provided by each furnisher 3. The internal procedures used to verify the dispute 4. Copies of any documentation relied upon You have 15 days from receipt of this letter to respond. Sincerely, Aisha Williams

(Names, addresses, and account numbers are fictional.)