Consumer complaint received 2025-08-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX NY XXXX Phone : ( XXXX ) XXXX Email : XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Subject : Failure to Respond Within 30 Days / Failure to Provide Method of Verification ( MOV ) XXXX XXXX XXXX Account ( XXXX ) To Whom It May Concern, This is a formal follow-up complaint and demand for immediate action regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ) in response to my previous dispute submitted on XX/XX/XXXX regarding the inaccurate and inconsistent reporting of XXXX XXXX XXXX XXXX XXXX Acct : XXXX ). 

This letter is submitted under the legal authority of the FCRA 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and highlights your agencys clear violations of federal law.

1. TransUnion Received XX/XX/XXXX/ Responded XX/XX/XXXX You received my dispute on XX/XX/XXXX. Under FCRA 611 ( a ) ( 1 ) ( A ), a credit reporting agency must complete its investigation and respond within 30 calendar days of receiving a dispute. TransUnion responded on XX/XX/XXXX, XXXX58 days later, well past the legal XXXX limit. 
Additionally, your response was vague and generic ( " ACTIVE DISPUTE '' ), with no detailed results, no evidence of a reinvestigation, and no Method of Verification ( MOV ) provided, as explicitly requested in the original dispute.

Violation # 1 : FCRA 611 ( a ) ( 1 ) ( A ) Failure to respond within 30 days Violation # 2 : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide MOV Violation # 3 : FCRA 607 ( b ) Failure to maintain maximum possible accuracy Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : A CRA is required to maintain reasonable procedures and remove unverifiable information. 
XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : A CRA has an affirmative duty to conduct a reasonable investigation. 
Remedy Required : The account must be immediately deleted from my credit file, as the investigation was not completed within the legal timeframe, and you failed to provide verification. 

2. Equifax Received XX/XX/XXXX / Responded XX/XX/XXXX You responded within 30 days, but failed to provide the Method of Verification ( MOV ), which I explicitly requested. Per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), if a consumer requests the method by which the account was verified, the CRA has 15 days to provide that information following the completion of the investigation. 

As of XX/XX/XXXX, well over 15 days have passed, and you have failed to send the MOV. 
Violation # 1 : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide MOV within 15 days Violation # 2 : FCRA 607 ( b ) Conflicting data across bureaus reflects a failure to maintain maximum possible accuracy Remedy Required : This account must be immediately removed from my credit report for failure to comply with the required 15-day MOV rule. Alternatively, if you insist the account is verified, then I am again formally requesting the MOV within 15 days of receipt of this letter. 

3. Experian Received XX/XX/XXXX/ Responded XX/XX/XXXX Experian responded 57 days after receiving the disputealmost double the 30-day legal timeframe allowed by FCRA.

In addition, the response was vague and non-compliant, stating only that the information was " verified as accurate '' without any specifics. You also failed to provide the Method of Verification, which was explicitly requested in the original dispute.

Violation # 1 : FCRA 611 ( a ) ( 1 ) ( A ) Failure to respond within 30 days Violation # 2 : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide MOV Violation # 3 : FCRA 607 ( b ) Contradictory data across CRAs Remedy Required : Experian must immediately delete the account from my report, as the investigation was completed beyond the 30-day window and no verification or MOV was provided.

Important Legal Clarifications 1. 30-Day Investigation Requirement FCRA 611 ( a ) ( 1 ) ( A ) : A consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation ... within 30 days of receiving the notice of dispute.

If the CRA does not complete the investigation within 30 days, the account must be deleted.

2. 15-Day Method of Verification Requirement FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If requested by the consumer, the agency must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher ... within 15 days of the request.

3. CFPB Disputes Are Equally Valid FCRA 611 ( a ) ( 1 ) ( A ) applies regardless of the method used to file the disputeincluding online via XXXX. There is no legal distinction under the FCRA that gives mail disputes more weight than digital or third-party platform submissions. 

4. No Right to Cure After 30 Days Once the 30-day deadline has passed, a CRA can not fix or update the tradeline. The only legal remedy is deletion of the disputed item. 

Final Demands Delete the XXXX XXXX XXXX tradeline from my credit file immediately. 
Do not attempt to fix or update the tradeline. The 30-day window is closed.

If you refuse to delete, you are again required to provide the full Method of Verification within 15 days, or face additional violations.

Continued noncompliance will result in formal CFPB and FTC complaints and potential civil action under FCRA 616617. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief