Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Phone : XXXX XX/XX/XXXX To : TransUnion LLC Equifax Information Services LLC Experian Information Solutions Inc .

RE : Failure to Reinvestigate & Provide Method of Verification Mandated Removal of XXXX XXXX XXXX XXXX Account Account Name/Number : XXXX XXXX XXXX XXXX / XXXX ( and XXXX ) To the Compliance Department , I am following up on my previous written dispute regarding the above-referenced account. This matter now involves clear and multiple violations of the Fair Credit Reporting Act ( FCRA ) by all three major Credit Reporting Agencies ( CRAs ) TransUnion, Equifax, and Experian. 

Background & Timeline Original Dispute Sent to All Three CRAs with supporting documentation ( State ID, Bank Statement, Screenshot of Inaccuracies ). 

TransUnion received on XX/XX/XXXX, responded XX/XX/XXXX ( XXXX XXXX-ACTIVE DISPUTE / XXXX XXXX-VERIFIED AS REPORTED ). 

Equifax received on XX/XX/XXXX, responded XX/XX/XXXX. 

Experian received on XX/XX/XXXX, responded XX/XX/XXXX ( Potential Fraud ). 

In all three cases, the response was provided well beyond the 30-day statutory timeframe required by the FCRA. Additionally, none of the CRAs provided the Method of Verification ( M.O.V. ) as explicitly requested in my original dispute. 

FCRA Violations 1. Failure to Complete Reinvestigation Within 30 Days FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] : Upon receiving a dispute, a CRA shall reinvestigate free of charge and record the current status within 30 days. 

The 30-day period can not be extended except in rare circumstances involving receipt of additional relevant information during the window which did not occur here. 

Labeling a dispute potential fraud or active dispute after the 30-day period does not exempt the CRA from compliance. 

2. Failure to Provide Method of Verification FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) ] : Upon request by the consumer, the CRA must provide the name, address, and telephone number of the furnisher of information, and a detailed description of the verification process. 
This must be provided within 15 days of the request not 30. 
Failure to Maintain Maximum Possible Accuracy FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Discrepancies in account number, balance, payment history, and dates across the CRAs show a systemic failure to comply. 

4.Direct Disputes via CFPB.gov Are Governed by the Same Laws FCRA 623 ( a ) ( 8 ) ( D ) [ 15 U.S.C. 1681s2 ( a ) ( 8 ) ( D ) ] : States that direct disputes submitted to a CRA, including those transmitted via the CFPB, are subject to the same investigation and response obligations. 

Supporting Case XXXX XXXX XXXX TransUnion, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to ensure accuracy and timely reinvestigation constitutes willful noncompliance. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces that inaccurate or inconsistent reporting violates the FCRA. 

XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must do more than simply parrot information from the furnisher. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to conduct a meaningful investigation is a violation of the FCRA. 

Required Action Pursuant to FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ], if disputed information can not be verified within the 30-day window, it must be promptly deleted from the consumers file. This requirement is absolute late verification is not legally acceptable. 

Accordingly, I am demanding : 1. Immediate removal of the XXXX XXXX XXXX XXXX account from all three of my credit files. 

2. If you refuse removal, you must provide the full Method of Verification within 15 days of receipt of this letter, in compliance with 611 ( a ) ( 7 ). 

Failure to comply will result in escalation, including formal complaints to the CFPB, FTC, and State Attorney General, and possible legal action for statutory damages under FCRA XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation