# ACDV — definition

> An ACDV, or Automated Consumer Dispute Verification, is the electronic form a consumer reporting agency transmits to a furnisher to relay a consumer's dispute and collect the furnisher's investigation response.

- Source: https://ottoforfirms.com/glossary/acdv/
- Publisher: Otto — https://ottoforfirms.com
- Updated: 2026-07-26
- Status: in attorney review. Served noindex and excluded from the sitemap; do not cite as settled.

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**ACDV** — An ACDV, or Automated Consumer Dispute Verification, is the electronic form a consumer reporting agency transmits to a furnisher to relay a consumer's dispute and collect the furnisher's investigation response.

Per the CFPB's December 2012 credit reporting white paper, when an NCRA cannot resolve a dispute internally it "will forward the dispute through e-OSCAR to the appropriate furnisher with dispute codes through an electronic form called automated consumer dispute verification (ACDV)," which can carry up to 255 characters of consumer-supplied free-form text. The furnisher may respond in one of four ways: verify the account as accurate, modify the trade line as indicated, delete the account, or delete the account due to fraud. The recurring supervisory criticism is that a code-and-text ACDV strips the consumer's supporting documentation, so a furnisher that reconciles only against its own screen has arguably not conducted the reasonable investigation FCRA § 1681s-2(b) requires.

## Primary sources

1. [CFPB, Key Dimensions and Processes in the U.S. Credit Reporting System (Dec. 2012); 15 U.S.C. § 1681s-2(b)](https://files.consumerfinance.gov/f/201212_cfpb_credit-reporting-white-paper.pdf)

## See also

- [e-OSCAR](https://ottoforfirms.com/glossary/e-oscar/)
- [Furnisher](https://ottoforfirms.com/glossary/furnisher/)
- [Metro 2](https://ottoforfirms.com/glossary/metro-2/)

## Where this appears

- [Compliance reference for collections law firms](https://ottoforfirms.com/compliance/)
- [Metro 2 Furnishing Accuracy Under the FCRA and the e-OSCAR Dispute Cycle](https://ottoforfirms.com/compliance/metro-2/)

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