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, NY XXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Failure to Respond Within 30 Days / Failure to Provide Method of Verification XXXX XXXX Account XXXX XXXX XXXX / # XXXX ) To Whom It May Concern, This is a formal notice that all three credit reporting agencies TransUnion, Equifax, and Experian have failed to comply with the Fair Credit Reporting Act ( FCRA ) in connection with my XX/XX/XXXX dispute regarding the XXXX XXXX  account XXXX which appears on my reports under two separate account numbers : # XXXX and # XXXX. 

FCRA Requirements Violated The FCRA mandates : 1681i ( a ) ( 1 ) ( A ) : CRAs must complete a reinvestigation within 30 days of receiving a consumer dispute.

1681i ( a ) ( 6 ) ( B ) ( iii ) : If the disputed information is verified, the CRA must provide a Method of Verification ( MOV ) within 15 days of the consumers request, including the name, address, and telephone number of the furnisher, the date verified, and the procedure used. 

1681e ( b ) : CRAs must follow reasonable procedures to ensure maximum possible accuracy. Conflicting account numbers, statuses, and payment histories clearly violate this requirement.

Timeline & Violations by Bureau TransUnion Dispute received : XX/XX/XXXX Response : XX/XX/XXXX 48 days later ( Violation of 1681i ( a ) ( 1 ) ( A ) ) Response given : XXXX XXXX UPDATED This is not a valid verification under the law. 
No MOV provided despite explicit written request Violation of 1681i ( a ) ( 6 ) ( B ) ( iii ) Experian Dispute received : XX/XX/XXXX Response : XX/XX/XXXX 43 days later ( Violation of 1681i ( a ) ( 1 ) ( A ) ) Response given : Potential Fraud This does not extend the 30-day limit, and no fraud notice was provided within the required period.

No MOV provided Violation of 1681i ( a ) ( 6 ) ( B ) ( iii ) Equifax Dispute received : XX/XX/XXXX Response : XX/XX/XXXX Already exceeded 30 days under the law. 
Provided generic verified language and an explanation of the process but no actual MOV. 

Failing to provide the MOV within 15 days after verification Violation of 1681i ( a ) ( 6 ) ( B ) ( iii ) Case Law Supporting Deletion XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs can not simply parrot furnishers ; they must conduct an independent investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Conflicting information between agencies constitutes inaccuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) CRAs have a duty to reconcile inconsistencies or delete the information. 

CFPB Disputes Governed by Same Law Under 15 U.S.C. 1681i ( a ) ( 2 ), disputes submitted via the Consumer Financial Protection Bureau ( CFPB ) are treated the same as disputes sent directly to a CRA.

This means the same 30-day reinvestigation rule and 15-day MOV requirement apply.

Demand for Resolution Due to these violations, I am demanding : 1.Immediate deletion of the XXXX XXXX account from all three credit reports. 

2. Written confirmation from each bureau of the deletion.

If any bureau refuses deletion, you must provide a full, detailed Method of 3. Verification within 15 days of verification, including : Name, address, and telephone number of the furnisher Date of verification Exact method used to verify the data Copies of all documents, electronic records, and communications relied upon Failure to comply will be treated as willful noncompliance under 1681n and negligent noncompliance under 1681o, and I will escalate with formal complaints to the CFPB, FTC, and consider legal action.

Enclosures : Copy of state ID Proof of address ( utility bill ) Screenshots of reporting inconsistencies Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief