The Factual Verification Process starts with the filing of a drafted dispute with each credit bureau using all required language under the FCRA to ensure complete compliance by the credit bureaus and proper verification of information furnished by creditors.
This process will take 30 days from the date your initial dispute is filled with the credit bureaus. They will then mail you an updated credit results, where some accounts will be deleted and some will be verified. The results should include details on the process used to come to that conclusion.
In some cases we will file separate charges with the Federal Trade Commission and Bureau of Financial Protection against each Credit Bureau and each individual creditor. This procedure relies on using the required legal language and then holding the creditors and credit bureaus responsible by filing appropriate charges and providing the requisite evidence that the credit bureaus and creditors had notice but were negligent in following the law.