ACDV stands for Automated Consumer Dispute Verification. An ACDV is an electronic document used by the consumer credit reporting industry as part of their automated dispute resolution system. This system, called e-OSCAR, is used by all data furnishers.

An ACDV is generated by a consumer reporting agency (e.g., Trans Union, Equifax and Experian) when it receives a dispute from a consumer. The consumer reporting agency populates the ACDV with the current information it has about the consumer’s personal identifying information, the disputed tradeline (e.g., credit card account, mortgage, etc.), collection or public record, along with the consumer’s dispute; identified through certain dispute codes, a short narrative and/or attached images. The agency then transmits the ACDV to the data furnisher reporting the disputed information.

The furnisher responds by sending back the information in maintains about the consumer and the disputed tradeline, collection or public record. The furnisher also provides one of four possible responses: Verified, Updated, Deleted or Deleted Fraud. The furnisher’s ACDV response is then processed by the consumer reporting agency’s automated system.

All consumer disputes to a consumer reporting agency about the accuracy of information on a consumer’s credit file are processed using ACDVs and the e-OSCAR system.

This image is an example of an actual ACDV which was processed between Equifax and a data furnisher.