Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX XXXX SSN ( Last 4 ) XXXX XXXX Date : XXXXXX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Dispute XXXX  XXXX ( Account # XXXX ) To Whom It May Concern, This letter is a follow-up to my XX/XX/XXXX dispute regarding the XXXX  XXXX account ending in XXXX, sent to TransUnion, Equifax, and Experian. This account remains on my consumer report despite serious violations of the Fair Credit Reporting Act ( FCRA ) by all three credit reporting agencies.

The FCRA clearly states : A credit reporting agency has 30 days to complete a reinvestigation after receiving a consumer dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

If the account can not be verified within that period, it must be deleted.

When a consumer requests a Method of Verification ( MOV ), it must be provided within 15 days ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Conflicting or internally inconsistent information is inaccurate and must be corrected or deleted ( FCRA 1681e ( b ) ). 

My XX/XX/XXXX dispute outlined 10 major inconsistencies across the three bureaus, including but not limited to : Different credit limits ( {$300.00} vs. {$0.00} ) Different dates of last activity ( XX/XX/XXXX vs. XX/XX/XXXX ) Different delinquency histories ( 0/0/0 vs. 6/4/43 ) Conflicting account types, remarks, payment histories, months reviewed, high balances, and high credits Such contradictions violate FCRA 1681e ( b ) ( maximum possible accuracy ) and trigger the reinvestigation obligations under 1681i ( a ).

Bureau-by-Bureau Violations TransUnion Dispute received : XX/XX/XXXX Response issued : XX/XX/XXXX ( 49 days later ) violating 1681i ( a ) ( 1 ) ( A ).

Stated XXXX XXXX Verified as Reported without providing MOV despite my clear written request violating 1681i ( a ) ( 6 ) ( B ) ( iii ).

Equifax Dispute received : XX/XX/XXXX Response issued within 30 days, but failed to provide MOV within the 15-day requirement violating 1681i ( a ) ( 6 ) ( B ) ( iii ).

My dispute explicitly stated : If verified, I am demanding a full Method of Verification as provided under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including the name, contact info of the furnisher, and the method used to verify this data. This was ignored. 

Experian Dispute received : XX/XX/XXXX Response issued : XX/XX/XXXX ( 43 days later

) violating 1681i ( a ) ( 1 ) ( A ). Claimed potential fraud but did not notify me in the legally required timeframe, nor does such a claim suspend the 30-day deadline. Failed to provide MOV violating 1681i ( a ) ( 6 ) ( B ) ( iii ). Supporting Case Law Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must do more than simply parrot the furnisher ; they must conduct a
reasonable investigation
. 
Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Internal inconsistencies are grounds for inaccuracy.

Richardson v. Fleet Bank of Mass., 190 F. Supp. 2d 81 ( D. Mass. 2001 ) Agencies are liable for failing to reconcile conflicting data.

CFPB Disputes Are FCRA Disputes Under 15 U.S.C. 1681i ( a ) ( 2 ), a dispute submitted via the Consumer Financial Protection Bureau ( CFPB ) is treated exactly the same as a direct dispute to a CRA. There is no lesser standard the same deadlines and verification obligations apply.

Demand for Resolution Given these violations, I am demanding : Immediate deletion of this XXXX XXXX account from all credit reports.

Written confirmation of deletion from each bureau.

If you refuse deletion, you must provide the full Method of Verification as defined by law, including : Furnishers name, address, and phone number Date and method of verification Exact documentation used to verify the information Failure to comply will be considered willful noncompliance under 1681n, and I will escalate to the CFPB, FTC, and pursue all available legal remedies.

Enclosures : Copy of state ID Proof of address Screenshots of reporting inconsistencies Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief