Via USPS Certified Mail
Return Receipt RequestedTracking 9414 8118 9876 5432 1098 76
Delivered: signature on file

Re: Formal dispute of inaccurate and unverified information, FCRA § 611, 15 U.S.C. § 1681i

To the Consumer Reporting Agency: the tradelines listed below appear on my consumer file. I do not stipulate to their accuracy or ownership as reported.

DEMAND 1. Within thirty (30) days of delivery, conduct a reasonable reinvestigation and affirmatively VERIFY every disputed Metro 2 field through a documented Method of Verification, FCRA § 611(a)(1)(A) and § 611(a)(6)(B)(iii).

DEMAND 2. Any disputed tradeline you cannot so verify, DELETE IN ITS ENTIRETY, FCRA § 611(a)(5)(A). I do not request correction, update, or modification of any field.

The burden under § 611(a) sits entirely on the consumer reporting agency. Failure to verify is not a neutral act. It is, by operation of § 611(a)(5)(A), a mandatory trigger for deletion.

Your agency is currently operating under CFPB consent order File No. 2025-CFPB-0002, which requires reform of dispute handling procedures, including actual review of consumer documents.

Item 1: Collection account ending 1254 · Balance reported $7,849 · Status code 93 with Payment Rating L · Date of first delinquency inconsistent across bureaus

Either the agency produces a complete Method of Verification within the statutory window, or the agency deletes the tradeline. There is no third option.

Your credit report is wrong. Federal law makes them fix it.

We dispute the way the FCRA requires: certified mail, cited statutes, deadlines tracked to the day, escalation when they stall. Automated by the Flow Engine, reviewed by people.

(425) 610-7779Seattle, WA. Clients in all 50 states.Mon to Fri, 9am to 6pm Pacific

More people will need this in 2026 than in any year we can remember.

Student loan delinquencies returned to credit reports after a five-year pause. Household debt sits at record levels. And the two largest bureaus spent 2025 under federal enforcement for how they handle disputes. The rules did not change. Enforcement did. That is your lever.

A man reads a letter at his kitchen table in morning light

$15 million

CFPB penalty against Equifax for mishandling disputes

CFPB consent order 2025-CFPB-0002, January 2025

30 days

The legal limit for a bureau to investigate your dispute

FCRA § 611(a)(1), 15 U.S.C. § 1681i

$1,000 per violation

Statutory damages for willful noncompliance

FCRA § 616, 15 U.S.C. § 1681n

The usual way

A form on a website
No statute cited
'Verified' in three days by an automated match
Nothing changes, you pay again next month

The Flow way

A certified letter with a signature on delivery
Every field disputed under the section that governs it
A written Method of Verification demand when they rubber-stamp
Unverifiable means deleted, then we escalate

The law is specific. So are we.

Every letter we send names the section that makes the bureau act. These are the ones that do most of the work.

FCRA § 611(a)(1)

Thirty days. Not a suggestion.

When you dispute in writing, the bureau must conduct a reasonable reinvestigation and finish within 30 days of receipt. Our letters arrive certified so the clock has a signature on it.

FCRA § 611(a)(5)(A)

Cannot verify? Delete.

Information that is inaccurate, incomplete, or cannot be verified must be deleted or modified. We demand deletion, never a quiet edit.

FCRA § 611(a)(6)(B)(iii)

Show your work.

You can demand a description of the procedure used to verify an item, including the business name, address, and phone of every furnisher contacted. Rubber stamps fall apart here.

FCRA § 623(b)

The furnisher must investigate too.

Once a bureau forwards your dispute, the creditor or collector has its own duty to investigate and correct. We dispute on both fronts at once.

FDCPA § 809

Collectors must validate.

A debt collector who receives a written validation request must stop collecting until it mails verification. Reporting an unvalidated debt is its own problem for them.

FCRA § 616 and § 617

Violations carry a price.

Willful noncompliance: $100 to $1,000 per violation plus punitive damages and attorney fees. Negligent noncompliance: actual damages. Our escalation letters itemize them.

2025-CFPB-0002

Equifax under a consent order.

In January 2025 the CFPB ordered Equifax to pay $15 million and reform how it handles disputes, reviews documents, and prevents reinsertion. Every Equifax letter we send cites it.

CFPB v. Experian, filed Jan. 2025

Experian sued for sham investigations.

The complaint alleges rubber-stamped furnisher responses and illegal reinsertion. Our Experian letters put that record on the table.

Here is what that looks like when it runs.

The Flow Engine

The letter writes itself. Then it goes to work.

1Scan
Every tradeline on all three reports is checked against 47 Metro 2 fields: status codes, payment ratings, balances, dates of first delinquency, duplicates across bureaus.
2Draft
The engine writes the letter: one bureau, one letter, every item under the section that governs it, the current enforcement record cited. A person reads it before it goes anywhere.
3Send
USPS Certified Mail with Return Receipt through our mail API. The 30-day clock starts on the delivery signature, not on the day we printed it.
4Enforce
Day 31 with no proper answer: Method of Verification demand, furnisher dispute, CFPB and state Attorney General complaints, a pre-suit demand with itemized damages.