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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
CFPB Complaint : Equifax FCRA Violation for Delayed Response and Failure to Provide Method of Verification Subject : FCRA Violation Equifax Failed to Complete Timely Investigation and Refused to Provide Required Method of Verification ( MOV ) for XXXX XXXX XXXX Account I am filing this complaint to report a willful violation of the Fair Credit Reporting Act ( FCRA ) by Equifax Information Services LLC for their mishandling of my dispute regarding an account reported by XXXX XXXX XXXX ( Account # : XXXX ). 

XXXX. Timeline of the Dispute and Violation of FCRA 611 ( a ) ( 1 ) ( A ) On XX/XX/2025, I submitted a formal dispute through XXXX, which was received by Equifax on XX/XX/2025, per CFPB documentation. The dispute challenged the accuracy and validity of an account reported by XXXX XXXX XXXX on my credit file. 

Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax was required to complete the reinvestigation and provide a response within 30 days of receiving the dispute. However, Equifax did not respond until XX/XX/2025 which is 34 days after receipt, violating the XXXX requirement. 

2. FCRA 611 ( a ) ( 7 ) : Failure to Provide Method of Verification ( MOV ) Within that same XX/XX/2025 CFPB dispute submission, I explicitly invoked FCRA 611 ( a ) ( 7 ) and requested the Method of Verification ( MOV ) used to continue reporting the XXXX XXXX XXXX account. I specifically asked for : The name, address, and telephone number of the original creditor All documentation used to verify the validity of the account A signed contract or agreement bearing my signature A complete account ledger including payment history Any internal communications or justifications for the charge-off/status Equifax failed to provide any of the above-requested information. Instead, their delayed XX/XX/2025 response contained a generic summary stating the account was verified and that certain fields had been updated ( e.g., scheduled payment, actual payment, account history ). No MOV, supporting documents, or contact details of the furnisher were included. This constitutes a direct violation of FCRA XXXX ( a ) ( XXXX ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Equifax only responded after I submitted a second CFPB complaint on XX/XX/2025, for their failure to respond in the required timeframe. Their response on XX/XX/2025, just XXXX days after that second complaint, demonstrates a clear pattern of neglect only acting when regulatory pressure is applied. This delay, combined with the failure to supply MOV, demonstrates willful noncompliance and bad faith. 

Relief Requested As a result of Equifaxs documented violations, I am requesting the following : Immediate deletion of the XXXX XXXX XXXX account from my Equifax credit file under FCRA 611 ( a ) ( 1 ) ( C ), which requires deletion when the CRA fails to respond within 30 days. 
A formal investigation into XXXX dispute-handling procedures and compliance with MOV provisions. 
Enforcement actions or sanctions to ensure Equifax is held accountable for its failure to uphold federal consumer protections. 
These inaccuracies are harming my creditworthiness and Equifax 's failure to comply with the law must be addressed.

Company response to consumer: Closed with explanation