The bureau said 'verified.' Now what?
A verification isn't the end of the process. It's the start of the next one.
Most first-round disputes come back 'verified as accurate.' What that usually means is that e-OSCAR sent a code to the furnisher, the furnisher's system compared it against its own records, and it clicked yes. No human compared documents. Nothing was actually investigated in the sense the statute contemplates.
The next step isn't to send the same letter again. It's to ask for the method of verification under §1681i(a)(7) — the name of the person contacted, the business name, the phone number, and a description of the procedure used. That question is much harder to answer with an automated code.
The rest of this is inside the portal
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