Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX : XX/XX/XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Failure to Reinvestigate Within 30 Days Formal Request for Deletion and/or Method of Verification Account XXXXn Dispute : XXXX XXXX | Acct XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Dear TransUnion XXXX Experian, and Equifax XXXX This letter is a follow-up to my original dispute, filed through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, regarding the above-referenced account, which was formally received by : - TransUnion on XX/XX/XXXX - Experian XXXX XX/XX/XXXX - Equifax on XX/XX/XXXX XXXX. Violations by TransUnion and Experian Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to complete a reinvestigation within 30 days of receiving a consumers dispute, or delete the disputed information. 

-TransUnion responded on XX/XX/XXXX ( 43 days later ) -Experian responded on XX/XX/XXXX ( 58 days later ) This is in clear violation of FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], which states : If the completeness or accuracy of any item of information is disputed by a consumer the agency shall complete a reinvestigation within 30 days.

As the 30-day period has passed without resolution, both TransUnion and Experian forfeited their legal right to verify, cure, or update this account. Therefore, this account must be permanently deleted from my credit file immediately. 

XXXX. Method of Verification Request All Bureaus If deletion is not processed by TransUnion or Experian, I now formally invoke my right to request a Method of Verification ( MOV ) under : FCRA XXXX ( a ) ( XXXX ) XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The law entitles me to the following information, within 15 days of this request : Name, address, and contact of the data furnisher The method used to verify the disputed information A copy of any original documentation used to verify the item This applies to TransUnion, Experian, and Equifax ( who responded within the lawful timeframe but failed to provide a MOV ). 

XXXX. FCRA Governs CFPB Disputes Equally Let me make it absolutely clear that a dispute filed through the CFPB portal is legally no different than one submitted directly to the credit bureaus. The FCRA does not distinguish between the method of dispute submission. 

A consumer reporting agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate FCRA 611 ( a ) ( 1 ) ( A ) Regardless of the submission channel, failure to respond within 30 days or provide sufficient verification is a violation of federal law.

4. Action Required For TransUnion & Experian : Immediately and permanently delete the XXXX XXXX account from my file due to failure to respond within 30 days. 

If you refuse to delete the account, provide full Method of Verification ( MOV ) within 15 days of receiving this letter. 

For Equifax : You responded within the allowable timeframe. 
However, I still request a full Method of Verification, as outlined above, within 15 days. 

5. Consequences for Noncompliance Failure to delete the account or provide the required documentation will result in : -A formal FTC complaint -Continued escalation through the CFPB -A complaint to the North Carolina Attorney General -Litigation under FCRA, where applicable , for willful or negligent noncompliance I reserve all rights available under 15 U.S.C. 1681n and 1681o for damages and injunctive relief. 

Thank you for your immediate attention to this matter. I expect your written response and full compliance within the statutory timeframes outlined. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation