Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Formal Notice of Failure to Respond Within 30 Days & Failure to Provide Method of Verification Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXXEquifax Information Services LLC XXXX. XXXX  XXXX, XXXX, GA XXXXExperian XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Final Notice Failure to Respond Within 30 Days / Failure to Provide Method of VerificationAccount : XXXX XXXX  XXXX XXXX XXXX XXXX/ XXXX  Acct. No. XXXX Amount : {$750.00} Background On XX/XX/XXXX, I submitted a formal dispute regarding this account via CFPB.gov and directly, as allowed under the Fair Credit Reporting Act ( FCRA ). Each bureau confirmed receipt on April 16, 2025. Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], you are required to complete a reinvestigation within 30 days of receiving a dispute. 

* TransUnion received my second dispute on XX/XX/XXXX and responded on XX/XX/XXXX ( 44 days later ), claiming it was a duplicate. This is false it was an escalation due to your prior 30-day violation. Even if you believed it was duplicative, the law requires notice within 30 days, which you failed to provide. No Method of Verification was provided. 

* Equifax received my XX/XX/XXXX dispute and responded on XX/XX/XXXX ( 37 days later ), beyond the 30-day statutory timeframe. Their response generically stated verified with modified fields but failed to provide the Method of Verification I requested. 

* Experian received my XX/XX/XXXX dispute and responded on XX/XX/XXXX ( 57 days later ), nearly double the 30-day limit. The response was generic and failed to provide M.O.V. 
All three bureaus are in clear violation of the FCRA.

Violations of Federal Law * FCRA 611 ( a ) ( 1 ) ( A ) : CRAs must conduct reinvestigation within 30 days.

* FCRA 611 ( a ) ( 6 ) ( A ) : Results of reinvestigation must be provided not later than 30 days.

* FCRA 611 ( a ) ( 5 ) ( A ) : If disputed information can not be verified within 30 days, it must be deleted.

* FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If verified, CRAs must provide Method of Verification ( M.O.V. ) including : * Furnishers name * Furnishers address * Furnishers telephone number * Exact records relied upon * FCRA 611 ( a ) ( 7 ) : Consumers are entitled to M.O.V. within 15 days of verification notice.

* FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

* FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : CRAs must maintain maximum possible accuracy.

* FCRA 623 ( a ) ( 8 ) : Disputes submitted via CFPB.gov carry the same legal weight as direct disputes and must be treated equally. 

Supporting XXXX XXXX * XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must conduct an independent investigation. 
* XXXX v. Equifax, XXXX XXXX XXXX : Failure to complete within 30 days requires deletion. 
* XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reinforces liability for late or inadequate reinvestigation. 
* XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Liability arises when unverifiable data continues to be reported. 

Demands Final Notice 1. Immediate Deletion : This account must be permanently deleted because the 30-day statutory timeframe has expired. Updating, fixing, or curing the record after 30 days is not legally permissible. 
2. Written Confirmation of Deletion : Provide a signed written notice confirming deletion from all three bureaus. 
3. If Not Deleted M.O.V. Required : Should you refuse deletion and claim this account is accurate, I again demand the full Method of Verification under 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) within 15 days. 

Deadlines * 30 days Already violated ; account must be deleted. 
* 15 days M.O.V. must be provided if you continue to report this account. 

Preservation of Rights If you continue reporting this unverifiable account, I will escalate to the CFPB, FTC, NY State Attorney General, and pursue legal action for statutory damages, actual damages, punitive damages, and attorneys fees under FCRA 616617. 
This is your final notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation