CoLMbo-SV: A Grounded Language Model for Explainable Speaker Verification

Speaker verification systems achieve high accuracy but provide little account of the acoustic evidence behind their judgments. Making these systems inspectable requires exposing interpretable evidence while retaining the richer information on which their decisions depend. We present \textbf{CoLMbo-SV}, a speaker language model that combines strong speaker discrimination with structured, acoustically grounded comparison reports. By connecting a pretrained speaker encoder to a language model and supplying explicit acoustic measurements, CoLMbo-SV makes voice comparisons inspectable without restricting verification to the evidence verbalized in its reports. We additionally introduce \textbf{VoxReason}, paired recordings with measured acoustic properties and comparison reports filtered through numerical and qualitative checks, providing supervision for this combined capability. We also develop an evaluation framework that separates what acoustic information a speaker representation encodes, what influences the verification score, and what the generated report discusses. On VoxCeleb1-O, CoLMbo-SV achieves 0.99\% EER, reducing verification error by approximately 80\% relative to the strongest audio-language baseline fine-tuned on VoxReason, while attaining a numerical-grounding score of 0.82. Our analysis further demonstrates that acoustic correctness and decision relevance are distinct properties of an explanation, exposing a gap that numerical-grounding metrics miss. Together, these contributions substantially advance audio-language speaker verification, bring its accuracy toward that of dedicated speaker encoders while adding checkable acoustic reporting, and establish an empirical framework for connecting natural-language explanations to the decisions they explain.