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 Statutory Timeframe and Failure to Provide Method of Verification Date : XX/XX/XXXXXXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social ( Last Four ) : XXXX Email : XXXX 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 Respond Within 30 Days / Failure to Provide Method of Verification Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct. No. XXXX {$750.00} Background On XX/XX/XXXX, I submitted a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] regarding the above-referenced account. The dispute specifically demanded reinvestigation and, if verified, a full Method of Verification ( M.O.V. ) as required under 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ). 

TransUnion received my dispute on XX/XX/XXXXXXXX  and did not respond until XX/XX/XXXX ( 42 days later ). The response was a generic ACTIVE DISPUTE remark without investigation results or M.O.V. 

Equifax received my dispute on XX/XX/XXXX and responded on XX/XX/XXXX ( 32 days later ). Its verified as accurate statement failed to provide M.O.V. as demanded. 

Experian received my dispute on XX/XX/XXXX and responded on XX/XX/XXXX ( 57 days later ), far outside the statutory deadline. Its response was generic and also failed to provide M.O.V. 

All three CRAs violated the law by failing to complete the reinvestigation within the 30-day timeframe and by failing to provide the legally required Method of Verification.

Applicable Law and Violations FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] A consumer reporting agency must conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute.

FCRA 611 ( a ) ( 6 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ] The CRA must provide written results of the reinvestigation not later than 30 days after receipt.

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

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) If the information is verified as accurate, the CRA must provide the consumer with the Method of Verification, including : Name of the furnisher Address of the furnisher Telephone number of the furnisher Specific records relied upon FCRA 611 ( a ) ( 7 ) Consumers have the right to request a detailed description of the verification process ( M.O.V. ), which must be provided within 15 days of the request.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] A furnisher shall not furnish information it knows or should know is inaccurate.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] CRAs must follow reasonable procedures to assure maximum possible accuracy. 

Case Law : Cushman v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) CRAs must conduct an independent investigation and can not rely solely on furnishers. 
Richardson v. Equifax, XXXX XXXX XXXX Reinforces that unverifiable accounts must be deleted if not verified in compliance with the statute. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Furnishers and CRAs can be held jointly liable for reporting unverifiable information. 

CFPB.gov Disputes Carry Equal Weight Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through CFPB.gov carry the same legal effect and obligations as direct disputes. Your obligations remain unchanged regardless of submission method. 

Demand for Immediate Action Deletion Required : Because you exceeded the 30-day statutory deadline, the law is clear the account must be deleted. It is too late to update, cure, or correct.

M.O.V. Required : If you refuse deletion, I again demand the full Method of Verification pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ). You have 15 days ( not 30 ) to comply.

Written Confirmation : Provide written confirmation of deletion or correction. 

Deadlines 30 days ( already violated ) : Reinvestigation must be completed. 
15 days : M.O.V. must be provided if you continue to claim this account is accurate.

Preservation of Rights If you continue to report this account or fail to comply with the FCRA, I will escalate to the CFPB, FTC, and State Attorney General, and pursue private legal action for statutory, actual, and punitive damages under FCRA 616617.

This letter serves as a formal notice of ongoing violations and preservation of my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief