Consumer complaint received 2025-10-16 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SUBJECT : FAILURE TO COMPLETE REINVESTIGATION WITHIN 30 DAYS / FORMAL DEMAND FOR DELETION OR METHOD OF VERIFICATION ( M.O.V. ) Account in Dispute : XXXX XXXX XXXX | Account XXXX. XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Whom It XXXX Concern, On * * XX/XX/XXXX * *, I submitted a * * formal dispute via XXXX * * regarding the * * Kickoff Lending LLC * * account listed above. The dispute identified multiple reporting inconsistencies and factual inaccuracies across * * TransUnion * *, * * Experian * *, and * * Equifax * *. Each bureau was required by law to conduct a * * reasonable reinvestigation within 30 days * * pursuant to * * FCRA 611 ( a ) ( 1 ) ( A ) * *. 

As of * * XX/XX/XXXX * *, none of the XXXX bureaus have provided a lawful reinvestigation result or written verification. This failure to respond within the statutory timeframe constitutes a direct violation of the * * Fair Credit Reporting Act * *. Accordingly, I now demand * * immediate deletion * * of this tradeline from all credit reports. If any bureau claims to have verified this account, I am formally requesting the * * XXXX of XXXX ( XXXX. ) * * under * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) * * within * * 15 days * * of receiving this letter. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I. DOCUMENTED REPORTING INCONSISTENCIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * Date of Last Activity : * * - TransUnion : * XX/XX/XXXX * - Experian : * XX/XX/XXXX * - Equifax : * XX/XX/XXXX * Conflicting activity dates across bureaus violate * * FCRA XXXX ( b ) * *, which requires maximum possible accuracy. 

* * Account Type : * * - TransUnion : * Blank * - Experian : * Charge-Off Account * - Equifax : XXXX Blank * Missing and conflicting account type classifications fail to meet the completeness and accuracy standard. 

* * Delinquency History ( XX/XX/XXXX Days Late ) : * * - TransUnion : * XXXX * - Experian : * XXXX * ( mathematically impossible ) - Equifax : * XXXX XXXX ( mathematically impossible ) Reporting contradictory delinquency data across bureaus renders this tradeline unverifiable. 

* * Months Reviewed : * * - TransUnion : * 0 months * - Experian : * 15 months * - Equifax : * 14 months * Inconsistent reporting across agencies demonstrates inaccurate file maintenance. 

* * Term / Source / Type : * * - All three bureaus : * Blank * Omission of essential account data violates * * XXXX ( b ) * * and * * CFPB XXXX XXXX * * on completeness. 

* * High Balance : * * - TransUnion : * {$240.00} * - Experian : * {$0.00} * - Equifax : * {$80.00} * * * High Credit : * * - TransUnion : * {$2500.00} * - Experian : * {$2500.00} * - Equifax : * {$0.00} * Contradictory financial figures constitute materially misleading reporting. 

* * Payment History : * * - TransUnion : * No history available * - Experian : * 53 % on-time * - Equifax : XXXX 57 % on-time * A single account can not reflect XXXX different performance rates simultaneously, proving unreliability. 

> * Note : * I have never been late on this account. If any bureau believes otherwise, I demand full documentation supporting any delinquency claims. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. LEGAL BASIS FOR DISPUTE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - * * FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : * * Requires CRAs to follow reasonable procedures to assure maximum possible accuracy. Reporting conflicting, incomplete, or false information violates this statute.

- * * FCRA 611 ( a ) ( 1 ) ( A ) : * * Requires completion of reinvestigation within * * 30 days * * of receiving a dispute. Failure to comply mandates deletion under * * 611 ( a ) ( 5 ) ( A ) * *.

- * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : * * Requires CRAs to provide a full * * Method of Verification * * within 15 days upon consumer request.

- * * FCRA 623 ( a ) ( 1 ) ( A ) : * * Prohibits furnishers from providing information they know or should know is inaccurate.

- * * FCRA 623 ( a ) ( 8 ) : * * Establishes that disputes submitted through * * CFPB.gov * * are legally equivalent to direct disputes.

- * * CFPB Bulletin 2013-09 : * * CRAs must conduct reasonable investigations and can not rely solely on furnishers automated responses. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. SUPPORTING CASE LAW -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - * * XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : * * CRAs must conduct independent, reasonable investigations beyond parroting furnishers data. 

- * * XXXX v. Equifax, XXXX XXXX XXXX : * * Reinforces that failure to comply with investigation deadlines requires deletion of disputed items. 

- * * Seamans v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : * * Misleading or incomplete reporting constitutes a violation of the FCRA. 

- * * XXXX v. Equifax, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : * * XXXX inaccurate or incomplete consumer data is actionable harm. 

- * * FTC XXXX XXXX XXXX ( XXXX, XXXX ) : * * Information that can not be verified or reconciled must be deleted. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. DEMAND FOR ACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. * * Immediate Deletion * * Delete the * * Kickoff Lending LLC * * tradeline from all TransUnion, Experian, and Equifax credit reports for failure to reinvestigate within 30 days and for reporting contradictory, unverifiable information. 

XXXX. * * If Verified, Provide Full Method of XXXX ( XXXX. ) * * Pursuant to * * XXXX ( a ) ( XXXX ) ( B ) ( iii ) * *, within * * 15 days * *, provide : - The name, address, and phone number of each furnisher contacted. 
- Copies of all documentation relied upon to verify the account. 
- A detailed description of the reinvestigation procedures used. 

XXXX. * * Compliance With XXXX XXXX * * Continued reporting of unverifiable or inaccurate data constitutes * * willful noncompliance * * under * * FCRA XXXX * *, exposing the bureaus to statutory and actual damages, attorneys fees, and injunctive relief. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - V. PRESERVATION OF RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This letter serves as formal notice under the * * Fair Credit Reporting Act * *. Each bureau must preserve all ACDV/e-OSCAR records, dispute logs, and verification data related to this account. 

Failure to comply will result in escalation to the * * CFPB * *, * * FTC * *, and potential legal action under * * 15 U.S.C. 1681n1681o * *. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief