Consumer complaint received 2025-12-22 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:
b'TO: Consumer Financial Protection Bureau (CFPB)FROM: XXXX XXXX XXXX RE: MANDATORY ENFORCEMENT COMPLAINT - WILLFUL NON-COMPLIANCE BY EQUIFAXREFERENCE PREVIOUS COMPLAINT: XXXX. STATUS OF DISPUTE & CHRONOLOGY OF FAILUREI originally filed complaint XXXX against Equifax on XXXX Equifax officially acknowledged the complaint and the attached legal demand through the CFPB portal. Documentation Provided: Along with the initial complaint, I provided Equifax a copy certified mail article number XXXX XXXX XXXX XXXX XXXX XXXX  as proof of service for my formal demand. The "60-Day" Violation: In their XXXX acknowledgment, Equifax stated they would follow up within 60 days. This is a willful and misguided self-imposed extension that has no basis in federal law. CRITICAL NOTICE: This filing is NOT a request for a new investigation. This is a demand for the CFPB to enforce the law. The statutory 30-day window provided by 15 U.S.C.  1681i(a)(1) expired on XXXX Equifax is now in a state of willful non-compliance. II. BASIS FOR COMPLAINT: VIOLATION OF 15 U.S.C.  1681iUnder the Fair Credit Reporting Act (FCRA), a Consumer Reporting Agency (CRA) must complete a reinvestigation within 30 days of receiving notice of a dispute. Expiration of Clock: Equifax admitted receipt of the dispute on XXXX. As of today, XXXX forty-four (44) days have passed without a resolution or a certified mailing of the results. Mandatory Deletion: Under 15 U.S.C.  1681i(a)(5), if an item is not verified within the 30-day period, the information MUST be promptly deleted. By continuing to report these items, Equifax is intentionally violating the law to my financial detriment. III. ITEMS REQUIRING IMMEDIATE ADMINISTRATIVE  continues to report the following unverifiable and inaccurate data: Inaccurate Personal Data: All addresses and personal identifiers EXCEPT for: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.Unauthorized Inquiries: All inquiries lack permissible purpose under 15 U.S.C.  1681b, except for those expressly authorized for mortgage lending XXXX XXXX XXXX XXXX XXXX.Unverifiable Trade Lines & Collections: XXXX XXXX XXXX (Acct #XXXX)PXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  (as detailed in my certified demand letter of XXXX).IV. FINAL STATEMENT OF INTENT This complaint is my final administrative attempt to achieve compliance before pursuing litigation. Equifax has failed to produce a single source document (original contract, accounting ledger, or signature card) to verify these accounts. I will be filing a mirror complaint with the Federal Trade Commission (FTC). Should Equifax fail to delete this data immediately, this record will serve as the primary evidence of "willful non-compliance" in my forthcoming lawsuit under 15 U.S.C.  1681n.V. DEMANDED RESOLUTIONI demand that the CFPB: Compel Equifax to comply with the 30-day statutory mandate and immediately DELETE the disputed items. Order Equifax to provide a certified updated credit disclosure showing the deletions. Sanction Equifax for their policy of claiming "60 days" to respond to valid FCRA disputes, which is a deceptive practice designed to bypass consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief