Bureaus Fighting Back? Escalate.

Generate a Method of Verification (MOV) letter or a CFPB complaint draft in seconds.

Checking your escalation credits…

Got a stall letter? You have legal options.

If the bureau marked your dispute "verified" without proof, called it "frivolous," sent an incomplete response, or missed the 30-day window under 15 U.S.C. § 1681i(a)(1)(A), you can request the Method of Verification under § 1681i(a)(6)(B) & (a)(7), and/or file a CFPB complaint. Results vary by case.

Tell us what happened

Your full name

Bureau that responded

Your mailing address

Account / furnisher name

Account number (masked, optional)

Date you sent your original dispute

How did the bureau respond?

"Verified as accurate"

No documents attached — common stall tactic.

"Frivolous or irrelevant"

Bureau refused to investigate.

Incomplete response

Didn't address the actual issue.

No response after 30 days

Missed the § 1681i window.