Reasonable investigation
The investigation must be reasonable under the circumstances — we verify that all relevant information forwarded by the bureau was reviewed, including free-text dispute, account record, and prior ACDVs.
The most rigorous §1681s-2(b) investigation a furnisher can commission.
FurnisherProof assembles a litigation-defensible investigation file for every consumer dispute — ACDV and direct — with field-level tradeline reconciliation, Metro 2 response, and a trained human reviewer signing each verify/modify/delete decision. Checked against the letter of FCRA §1681s-2(b) before release.
Every subsection of FCRA §1681s-2(b)Five investigation elements, gate-checkedACDV · account record · Metro 2 reconciliationHuman reviewer release on every file5-business-day SLA
Why investigations fail
A single missing element can turn a dispute into a lawsuit.
Every U.S. business that reports to a credit bureau has a non-delegable legal duty to conduct a reasonable investigation of each consumer dispute it receives. Miss one of the required investigation steps, skip a relevant record, or fail to document the process — and the furnisher faces FCRA liability, regulatory enforcement, and settlements that have quadrupled to $45–50K.
Most furnishers treat disputes as a data-entry task: confirm/modify/delete in a dropdown. But the law treats it as a fact-finding investigation whose adequacy is judged after the fact in court. That gap between what the workflow captures and what a reasonable investigation requires is where liability hides.
FurnisherProof exists to close that gap with a single, exhaustive standard applied identically to every dispute.
37%
increase in FCRA lawsuits Jan–Nov 2025 vs 2024
The benchmark
Measured against the letter of the statute — subsection by subsection.
We do not summarize the law and hope. Every investigation is scored against a versioned rule pack tied to the exact text of FCRA §1681s-2(b). These are the provisions each file is held to.
Review all relevant information
Every piece of information the consumer dispute verification contains is reviewed and reconciled against the furnisher's system of record — no cherry-picking.
Correct and report results
The furnisher must correct any inaccuracy and report the results to all bureaus. We draft the Metro 2 response and evidence memo for each dispute.
Timely response
The response must be made within the applicable 30-day (or 45-day) window. Our deterministic calendar gates enforce the deadline before release.
Modified or deleted items
If the investigation results in modification or deletion, the furnisher must notify all bureaus that received the data. We include the notification checklist.
Notice of dispute from consumer
For direct disputes, the furnisher must investigate if the consumer provides sufficient information. We verify the dispute meets the statutory sufficiency threshold.
How an investigation is built
Intake to human reviewer release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A trained FCRA reviewer signs every release. That order is never reversed.
01
Dispute Gap Scan
Upload your ACDV queue or direct disputes. We return a free completeness read: which investigation elements and records you already have, and which are missing.
02
Evidence & record retrieval
As your authorized agent, we retrieve the account record, application, payment ledger, notes, and prior ACDVs from your system of record and build the evidence log.
03
Grounded drafting
The investigation memo and Metro 2 response are drafted from your validated data and the §1681s-2(b) rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
The dispute text is reconciled to the account record field-by-field; the 30-day window is verified; the evidence checklist is resolved; SCRA and identity-theft flags are screened. Any failure blocks release.
05
Human reviewer release
A trained FCRA reviewer reviews the exception queue, makes the verify/modify/delete judgment, and signs the release. Legal-dispute and identity-theft items route to attorney review first.
06
Delivery
You receive the investigation file: evidence memo, Metro 2 response, evidence log, timeline, and certified-mail packet — ready for the furnisher to submit under its own name.
The bar we hold
Rigor you can measure.
100%
Human-reviewed
No investigation ships without a trained FCRA reviewer signature.
5 days
Standard SLA
From complete intake to released investigation file.
<1%
Critical-defect target
Tracked against a gold-standard investigation library.
4
Record sources reconciled
ACDV · account record · payment ledger · prior disputes, every applicable file.
Why FurnisherProof
Built to be the most thorough option a furnisher has.
Documentation-complete, by design
The deliverable is completeness itself — every statutory investigation element and record accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never contact the consumer, give legal advice, or make the final reporting decision.
Engagement
Flat fee, per resolved dispute. No contingency, ever.
Simple, predictable, and aligned with an investigation standard — not a cut of any recovery.
- A free Dispute Gap Scan before you commit — see exactly what is missing.
- One flat fee per resolved dispute; disclosed pass-through record retrieval fees.
- Optional fixed-fee attorney review for legal-dispute or identity-theft flagged items.
- Optional Litigation-Ready Packet Add-on for the full evidentiary record, pre-dated to your investigation timeline.
FAQ
Questions, answered precisely.
Is FurnisherProof a law firm?
No. FurnisherProof, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for legal-dispute or identity-theft flagged items.
Do you contact the consumer or collect the debt?
Never. FurnisherProof is not a debt collector and does not contact consumers or debtors. The furnisher remains the party responsible for all communications and reporting decisions.
What makes an investigation 'complete'?
Completeness is defined by the statute: the five §1681s-2(b)(1) investigation elements present, the 30-day window verified, the record retrieval checklist resolved or exception-coded, identity corroborated, and SCRA screened. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a human-reviewed investigation file. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per resolved dispute, plus disclosed pass-through record retrieval costs. No contingency and no percentage of any recovered amount or sale proceeds.
See what's missing before it costs you a lawsuit.
Start with a free Dispute Gap Scan. Send your ACDV queue or direct disputes and we'll return a completeness read against every subsection of §1681s-2(b).
Documentation-completeness service · not legal advice · the furnisher makes every reporting decision.