Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX Date : XX/XX/year> TO : XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Demand for Permanent Deletion of Account Due to FCRA Violation Failure to Investigate Within Legal Timeframe Re : Account Number : XXXX : XXXX Bank XXXX XXXX XXXX XXXX/ CRCORPSOLAmount : {$750.00} To Whom It XXXX Concern, This letter serves as my Final Demand for the immediate deletion of the above-referenced account from my Equifax credit file, as required by federal law. I am asserting this right under the Fair Credit Reporting Act ( FCRA ), due to Equifaxs failure to comply with the 30-day reinvestigation requirement pursuant to FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ].

On XX/XX/year>, I submitted a certified dispute letter challenging the accuracy and validity of this account. This dispute was also submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, and Equifax acknowledged receipt via the CFPB platform on XX/XX/year>. However, no response was received within the 30-day statutory deadline, nor was I notified of any extension as permitted under FCRA XXXX XXXX a ) ( XXXX ) ( B ). It was only after I submitted a formal complaint to the CFPB on XX/XX/year> ( Case # XXXX ) documenting XXXX failure to respond that Equifax attempted XXXX issue a response. This is a clear violation of federal law and renders any belated attempt to verify or update the account legally invalid. 

FCRA Violations and Legal Basis for Deletion : Failure to Investigate Within 30 DaysUnder FCRA 611 ( a ) ( 1 ) ( A ), you are required to complete your reinvestigation within 30 days of receiving the dispute. Equifax failed to do so.

No Notice of Extension The FCRA allows a 15-day extension only if the consumer provides additional information. You did not notify me of any extension request within the initial 30-day window. This is a further procedural violation of FCRA 611 ( a ) ( 1 ) ( B ).

Mandatory Deletion RequirementUnder FCRA 611 ( a ) ( 5 ) ( A ), if disputed information can not be verified within the 30-day window, it must be deleted. You did not verify the account within the legal timeframe ; therefore, you are required to delete it.

Account Can not Be Cured After Deadline Any verification provided after the 30-day period is invalid. The law is clear : failure to verify within the statutory period terminates Equifaxs legal right to continue reporting the account. The account can not be fixed, updated, or reinserted it must be deleted. 

Failure to Provide Method of Verification ( MOV ) Under FCRA 611 ( a ) ( 7 ), you are required to provide a Method of Verification including : * The name and contact information of the furnisher, * The systems and documents used during the investigation, and * A detailed explanation of how the data was verified. 
No such information was ever provided, another violation of federal law. 

Conflicting and Inaccurate InformationThe same account is being reported with multiple and conflicting identifiers : * Different names ( XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * Different statuses ( Open vs. Closed ) * Inconsistent payment histories and last activity dates This violates the requirement for maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

FINAL DEMAND FOR COMPLIANCE : You are hereby formally notified that you have violated federal law, and I demand the following actions be taken immediately : 1. Permanent Deletion of the AccountThe account must be deleted under FCRA XXXX ( a ) ( XXXX ) ( A ) due to failure to verify within 30 days. 

2. Written Confirmation of DeletionProvide a signed letter confirming the permanent removal of the account from my Equifax credit report.

3. Cessation of ReportingAny continued reporting of this account is a willful violation of the FCRA, and I will pursue legal remedies if it is not removed. 

NOTICE OF LEGAL ACTION : If this demand is not satisfied within XXXX business days of receipt, I will move forward with : * Filing complaints with : * The Consumer Financial Protection Bureau ( CFPB ) * The Federal Trade Commission ( FTC ) * The New York State Attorney General * Initiating a civil lawsuit for : * Statutory damages up to {$1000.00} per violation * Actual damages suffered due to your failure to comply * Attorneys fees and court costs * Punitive damages for willful noncompliance under FCRA 616 [ 15 U.S.C. 1681n ] I have retained all certified mail receipts, CFPB submission documentation, and dated records of non-response, and I am fully prepared to present this in court or to relevant agencies. 

This is your final opportunity to resolve this matter without escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation