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, Door XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Failure to Respond Within XXXX XXXX XXXX Failure to Provide Method of Verification XXXX XXXX XXXX Account # XXXX To Whom It May Concern, This letter serves as a formal follow-up dispute under the Fair Credit Reporting Act ( FCRA ) regarding the above-referenced account. On XX/XX/XXXX, I submitted my initial dispute through the CFPB portal to TransUnion, Equifax, and Experian, citing multiple material inaccuracies across all three credit reports. My dispute explicitly requested that if this account was verified, the bureaus must provide a full Method of Verification ( MOV ) per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Timeline & Response Failures TransUnion : Received dispute on XX/XX/XXXX No response as of XX/XX/XXXX. 
Experian : Received dispute on XX/XX/XXXX No response as of XX/XX/XXXX. 
Equifax : Received dispute on XX/XX/XXXX Responded on XX/XX/XXXX ( 44 days later ) claiming verification, but failed to provide MOV as required. 
Applicable FCRA Provisions FCRA 1681i ( a ) ( 1 ) ( A ) A CRA must complete its reinvestigation within 30 days of receiving a dispute and delete or correct any information that can not be verified.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) If a consumer requests, the CRA must provide the method of verification within 15 days after reinvestigation results are sent. 
FCRA 611 ( a ) ( 1 ) & ( a ) ( 6 ) Failure to respond within statutory timelines requires deletion of the disputed item.

FCRA 623 ( a ) ( 1 ) ( A ) A furnisher may not report information known, or reasonably believed, to be inaccurate. 

CFPB Interpretation CFPB-filed disputes are considered direct disputes under FCRA and must be treated with the same legal weight as disputes sent directly to a CRA. ( See CFPB XXXX XXXX, " The FCRAs Dispute Provisions '' ). 

Supporting Case Law Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) Failure to conduct a meaningful and timely reinvestigation is a willful violation.

Richardson v. Equifax Conflicting account data across bureaus constitutes an inaccuracy under the FCRA.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Even technically true data can be considered inaccurate if presented in a misleading manner. 

Violations Committed Failure to Complete Reinvestigation Within 30 Days All three CRAs exceeded the statutory deadline ; TransUnion and Experian provided no response at all. 
Failure to Provide MOV Equifax verified the account but failed to provide the MOV within the timeframe requested. 

Continued Reporting of Unverified Data By law, unverifiable accounts must be deleted after a failed or untimely investigation. 

Required Action Immediate deletion of the XXXX XXXX XXXX account from all three credit files due to untimely investigation and failure to verify per statutory requirements. 

If you refuse to delete, then within XXXX XXXX of verification, provide the complete MOV, including : Name of person/entity who verified Specific documentation used Date verification occurred This account is now past the legal cure period ; updating, modifying, or correcting at this stage does not satisfy the FCRAs strict timelines. Continued reporting of this account in its current form constitutes willful noncompliance under FCRA 1681n & 1681o, exposing your agency to statutory and actual damages. 

Attached : Copy of Passport ( Proof of Identity ) Copy of Utility Bill ( Proof of Address ) Highlighted report screenshots of discrepancies Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief