Here’s your power-packed, easy-to-follow Round 2 package—blog + ready-to-send letter. It keeps the same flow as Round 1, but adds a precise Method of Verification (MoV) demand and tight legal hooks so the bureaus feel real pressure.

Goal: do everything you did in Round 1—same accounts, same evidence, same certified mail—plus demand the bureau(s) to disclose exactly how they verified each item. If they can’t (or won’t) provide a real description of their procedure, you’re setting the record for non-compliance and building your legal file.

• FCRA §611 / 15 U.S.C. §1681i(a)(1)(A) – Bureaus must conduct a reasonable reinvestigation within 30 days.
• FCRA §611 / 15 U.S.C. §1681i(a)(2) – The bureau must forward your dispute (all relevant info) to the furnisher.
• FCRA §611 / 15 U.S.C. §1681i(a)(6)(B)(iii) & (a)(7) – On request, the bureau must provide a “description of the procedure used to determine the accuracy and completeness,” including the name, address, and phone number of the furnisher contacted (this is your Method of Verification demand).
• FCRA §611 / 15 U.S.C. §1681i(a)(5)(A) – If an item cannot be verified, it must be deleted.
• FCRA §623(b) / 15 U.S.C. §1681s-2(b) – Once notified by a bureau, the furnisher must reasonably investigate and correct/report results.
• (If reinsertion ever occurs) FCRA §611 / 15 U.S.C. §1681i(a)(5)(B) – No reinsertion of deleted data without certification, and a 5-day notice to you.

Round 2 is where you document whether they followed a real procedure or rubber-stamped a database match. If they don’t comply after Round 2, every round after that builds your legal record (not just “more disputes”).

1. Clean your personal file again (accuracy only).
   Update/remove old names, old addresses, old phone numbers that are incorrect or no longer yours. Only report truthful, accurate information. (Never fabricate. Accuracy wins.)
2. Replicate Round 1:
   Same accounts, same evidence, same certified mail method.
   Include copies of your ID + proof of address.
   Attach your Round 1 results letters (if any).
3. Add the MoV demand: Require the bureau to state how they verified each account (procedure + who they contacted).
4. Set a clock: 30 days for reinvestigation; results must be sent within 5 days of completion.
5. Outcomes & leverage:
   Deleted/Corrected: Save proof.
   Verified with no real MoV: That’s potential non-compliance—you’re building your record.
   Reinserted later: Demand the §1681i(a)(5)(B) certification + 5-day notice.
6. Address clustering tip (ethical use only):
   If a creditor is tying multiple tradelines to one old address you no longer use, request the bureau update to your current, accurate address and ensure prior addresses are marked former. If you legitimately have more than one lawful address (e.g., recent moves), keep the file accurate and consistent—clarity reduces “cross-contamination.”

If Round 1 was ignored or rubber-stamped, you can escalate now:

• Go to cfpb.gov (or consumerfinance.gov/complaint).
• Choose Credit reporting → pick the bureau(s) and, if needed, the furnisher.
• Upload: your Round 1 letter, green-card/receipt, responses (or lack of), your Round 2 MoV letter, and any proof of inaccuracy.
• Sample narrative starter (edit to your facts):
  “I disputed the accounts listed in my attached Round 1 letter. The bureau marked them ‘verified’ without providing the Method of Verification. Under 15 U.S.C. §1681i(a)(6)(B)(iii) & (a)(7), I requested a description of the procedure used, including the name, address, and telephone number of the furnisher contacted. The bureau failed to provide a meaningful description. Please require a compliant reinvestigation and deletion of any unverifiable information pursuant to §1681i(a)(5)(A).”
• The CFPB forwards your complaint and expects a response (often within ~15 days). Keep all correspondence.

• Track the timeline (30 days + mailing time).
• Save every envelope, letter, and email.
• When results arrive:
  Deleted/corrected? Great—download/print new reports for proof.
  “Verified” with no real MoV? You now have non-compliance evidence. Consider Round 3 (furnisher direct dispute), CFPB escalation, and—if needed—consumer attorney review.
• Always tell the truth. Only accurate addresses and facts.
• Delete old information (names/addresses you don’t use) that’s inaccurate or unnecessary. Cleaner personal data = fewer false “matches.”
• If a creditor attaches multiple tradelines to an address you no longer use: correct your current address and ensure old ones are marked prior/closed—do not invent addresses.
• Keep logs: date sent, CM#s, who you spoke to, and outcomes.

If you want us to draft, mail, or manage your disputes—or escalate via CFPB the clean way—reach out:

• [email protected]
• [email protected]

We’ll help you Clean • Build • Fund™—and keep your paper trail airtight.