FCRA §611(a)(7)

FCRA §611(a)(7), 15 U.S.C. §1681i(a)(7), is the most underused weapon in credit repair. After a bureau reinvestigation, the consumer has the right to request a description of the procedure used to verify the disputed item — and the bureau has 15 days to provide it.

What the bureau must disclose: the name, address, and telephone number of any furnisher contacted; the specific information the furnisher provided; and the internal procedure used to evaluate the dispute. If the bureau can't produce that disclosure (which they often can't, because most "verifications" are automated e-OSCAR pings), the consumer has grounds to demand deletion under §611(a)(1)'s "reasonable reinvestigation" standard.

Pro tip: include a §611(a)(7) demand in every dispute letter, not as a follow-up. The bureau is then on the clock from day 1 to either produce a real verification or delete.