All terms

ACDV

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.

See also

• e-OSCARe-OSCAR is the automated system the nationwide consumer reporting agencies use to route consumer disputes to furnishers and return furnisher responses.
• FurnisherA furnisher is an entity that provides information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report.
• Metro 2Metro 2 is the standardized electronic file format furnishers use to report consumer account data to the nationwide consumer reporting agencies, developed and maintained by the Consumer Data Industry Association.

Where this appears

• When a consumer disputes to a credit bureau
• Compliance reference for collections law firms
• Metro 2 Furnishing Accuracy Under the FCRA and the e-OSCAR Dispute Cycle

Last reviewed 2026-07-29

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