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 XXXXSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX RE : Failure to Respond Within 30 Days & Failure to Provide Method of Verification Formal FCRA Violation Notice XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

To Whom It May Concern, On XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( Equifax and Experian ), I submitted a formal written dispute regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account on my credit report. This dispute was sent directly to each CRA in compliance with the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 1681i ( a ) ( 1 ) ( A ), you are required to complete a reasonable reinvestigation of disputed information within 30 days of receiving my dispute. If additional information is provided during the dispute, the timeframe may be extended to 45 days, but no such additional information was submitted that would extend the timeframe. 

The law is explicit failure to complete the investigation within 30 days requires deletion of the disputed account : FCRA 1681i ( a ) ( 5 ) ( A ) If an item of information disputed by a consumer is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumers file. 

Violations Noted : Failure to Respond Within 30 Days TransUnion received my dispute on XX/XX/XXXX no response to date ( 55 days have passed ). 
Experian received my dispute on XX/XX/XXXX no response to date ( 54 days have passed ). 
Equifax received my dispute on XX/XX/XXXX responded on XX/XX/XXXX ( 44 days later ), which is beyond the allowable 30-day limit. 

Failure to Provide Method of Verification ( MOV ) My initial dispute included a specific written request for the Method of Verification if the account was verified. 
Equifax verified the account but failed to provide MOV as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which states you must provide : The name of the person contacted The documents reviewed The method and date of verification Failure to Treat CFPB Disputes as Equal to Direct Disputes CFPB-filed disputes are direct disputes under the FCRA and must be handled with the same reinvestigation standards. 
See 15 U.S.C. 1681i ( a ) ( 2 ) disputes submitted via a recognized agency still fall under the same FCRA obligations. 

Applicable Case Law : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must do more than a cursory investigation and must reconcile conflicting data. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXontradictory or misleading data is inaccurate even if partially correct. 
XXXX v. Equifax, XXXX XXXX XXXX Inconsistencies between bureau reports constitute inaccuracy under the FCRA. 

Required Action : Immediate deletion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account from my credit file for failure to comply with the 30-day FCRA investigation requirement. 

If you refuse deletion and choose to verify this account now ( which is too late to cure the missed deadline ), I am again demanding the full Method of Verification within 15 days of verification not 30 per my original request.

Failure to comply will result in formal complaints with the CFPB, FTC, and my states Attorney General, and I will consider civil action under FCRA 1681n and 1681o for willful and/or negligent noncompliance. 
Attached : Copy of passport ( ID verification ) Copy of utility bill ( address verification ) Highlighted copies/screenshots of all discrepancies and proof of delivery dates Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation