Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB COMPLAINT FAILURE TO RESPOND WITHIN 30 DAYS I am filing this formal complaint against TransUnion, Experian, and Equifax for their failure to properly investigate and respond to my consumer dispute in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This statute requires consumer reporting agencies to complete reinvestigations of disputed accounts within 30 calendar days of receipt. All three bureaus have violated this rule in multiple instances regarding the same account. 

On XX/XX/XXXX, I submitted a dispute through CFPB.gov regarding an inaccurate and unverified charge-off account reported by XXXX XXXX XXXX XXXX Account Number # XXXX ). I also submitted the same dispute via certified mail, with proof of delivery to each bureau. My dispute included all relevant facts and requested verification or deletion of the account. 

Despite this : TransUnion has not provided a response as of today. CFPB.gov shows their status as " Company response in progress '' since XX/XX/XXXX, which exceeds the 30-day response deadline.

Experian also failed to respond by the deadline. Their status on CFPB.gov has shown Company response in progress since XX/XX/XXXX, XXXXalso beyond the 30-day window. 

Equifax did respond, but wrongfully marked my dispute as frivolous, despite the fact that I submitted the same dispute through two channels ( CFPB and certified mail ). The FCRA does not deem a dispute frivolous simply because it is submitted more than once, especially when no substantive investigation was conducted. 

In addition to these current violations, I have documented prior instances where the same account was verified or updated well beyond the required 30-day timeframe : XX/XX/XXXX : Dispute sent to all three bureaus. 

XXXX responded with an " UPDATED '' status on XXXX XXXX, XXXX. ( 33 days later ) -Equifax received it on XX/XX/XXXX, but responded on XX/XX/XXXX, XXXXagain exceeding the legal timeframe. ( 32 Days later ) -Experian opened the dispute on XX/XX/XXXX but did not respond until XX/XX/XXXX nearly 45 days later, a blatant violation of FCRA time limits. 

Each of the three agencies continues to list this account as a charge-off, despite never providing proper verification, and despite repeated evidence of reporting inconsistencies, inaccurate history, and late responses. 

I am now requesting complete deletion of this account from all three credit bureaus. According to FCRA 1681i ( a ) ( 5 ) ( A ), The disputed item was not verified within the 30-day timeframe, the only lawful remedy is deletion. At this point, due to multiple failures to investigate properly or respond in time, it is too late to update, correct, or cure the reporting. Continued reporting constitutes willful noncompliance with federal law.

If this matter is not resolved promptly by deleting the inaccurate account, I am prepared to escalate by : Filing a complaint with the FTC, Contacting my State Attorney General, and Exploring
potential legal action for violations under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 

Attachments included for verification and proof : Valid passport ID ( identity verification ) Utility bill and lease agreement ( address verification ) Highlighted documentation showing instances where Equifax, TransUnion, and Experian exceeded the 30-day limit to respond ( Previous XXXXXXXX XXXX dispute ), in violation of the Fair Credit Reporting Act ( FCRA ) Copy of Equifax 's frivolous dispute response Proof of no response from TransUnion and Experian for the XX/XX/XXXX CFPB dispute

Company response to consumer: Closed with non-monetary relief