How to handle: i disputed already and the bureau just said 'verified' with no proof
Demand the method of verification: the description of the procedure used and the business the bureau contacted to 'verify' the item. If it was reinserted after a prior deletion, demand the required certification and the five-day reinsertion notice. A bare 'verified' is not a reasonable reinvestigation.
Deadline: 30-day bureau reinvestigation clock (45 days if you add documents mid-investigation) — 30 days. The bureau's clock starts when it RECEIVES your dispute (send certified mail and keep the receipt to prove the start date). It is 30 days, extended to 45 if you submit additional information during the first 30 (15 U.S.C. 1681i(a)(1)).
The correct letter
FCRA Credit-Report Dispute to the Bureau (§611) — Sent to a credit reporting agency (Equifax, Experian, TransUnion). Disputes an inaccurate item. The bureau must conduct a reasonable reinvestigation and delete or correct unverifiable information, generally within 30 days (15 U.S.C. 1681i(a)).
The statutes it stands on
15 U.S.C. 1681i(a)(7) — After reinvestigation the consumer may request a description of the procedure used to determine accuracy, including the business contacted (method-of-verification). [read]
15 U.S.C. 1681i(a)(5) — Information found inaccurate, incomplete, or that cannot be verified must be promptly deleted or modified, and may not be reinserted without certified confirmation. [read]
15 U.S.C. 1681e(b) — A credit reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information in a consumer report. [read]
15 U.S.C. 1681s-2(b) — After being notified of a dispute by a bureau, the furnisher must investigate, review the information provided, and correct/delete inaccurate or unverifiable data with all bureaus. [read]
Evidence to enclose
Your prior dispute and the bureau's 'verified' result letter
Credit report still showing the item
Certified-mail receipt
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