Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Re : Failure to Respond Within 30 Days & Failure to Provide Method of Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am following up regarding my XX/XX/XXXX dispute submitted via CFPB.gov, which under the Fair Credit Reporting Act ( FCRA ) carries the same legal weight and requirements as a direct dispute made to the credit bureaus. This is clearly supported under FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 623 ( a ) ( 8 ) ( E ) ( i ), which do not differentiate between disputes filed directly and those submitted through the CFPB. 

Violation by TransUnion Failure to Respond Within 30 Days My dispute was received by TransUnion on XX/XX/XXXX. 
As of today, XX/XX/XXXX, TransUnion has failed to provide any response or results of reinvestigation. 
This is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that a CRA must complete a reinvestigation and report results to the consumer within 30 days. 
Case law such as XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) affirms the duty to conduct a timely and reasonable reinvestigation. 

Because the 30-day reinvestigation window has expired without a response, it is too late to cure, fix, or update this account it must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

Violation by Equifax Untimely Response & Failure to Provide Method of Verification My dispute was received by Equifax on XX/XX/XXXX. 
Equifax responded on XX/XX/XXXX 36 days later exceeding the statutory 30-day reinvestigation period under FCRA 611 ( a ) ( 1 ) ( A ).

In my original dispute, I clearly stated : If the account is verified as accurate, please provide the full Method of Verification.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), the CRA must provide this MOV within 15 days after verification if requested.

Equifax failed to provide the MOV within this timeframe, constituting an additional FCRA violation. 

Applicable Law & Case Support FCRA 611 ( a ) ( 1 ) ( A ) CRAs must complete reinvestigation and report results within 30 days.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) MOV must be provided within 15 days of a consumers request after verification.

FCRA 623 ( a ) ( 8 ) ( E ) ( i ) Disputes submitted through the CFPB or other authorized channels carry the same obligations as direct disputes. 

XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) CRAs must conduct a reasonable reinvestigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reporting misleading or contradictory information constitutes inaccuracy. 

XXXX v. Equifax, XXXX XXXX XXXX XXXX inconsistent information without correction constitutes inaccuracy under the FCRA. 

Demand for Action Immediate removal of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX account from my credit file due to failure to comply with statutory timelines and procedural obligations. 
If either bureau refuses to remove this account and instead verifies it as accurate, I again demand the full Method of Verification pursuant to FCRA 611 ( a ) ( 7 ), to be provided within 15 days of verification.

Failure to comply will result in additional CFPB complaints and potential civil litigation under FCRA 1681n & 1681o for statutory, actual, and punitive damages, plus attorneys fees. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation