Consumer complaint received 2025-08-15 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Failure to Respond Within XXXX  Days / Failure to Provide Method of Verification JPMCB Account Account Name : XXXX Account Number ( partial ) XXXX XXXX XXXX XXXXXXXX Consumer : XXXX XXXX Dear Credit Bureau Representative, This letter serves as a formal notice of violations under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611, and 623. You have failed to complete your reinvestigation and respond within the statutory XXXX period, and you have failed to provide the XXXX of XXXX ( XXXX. ) as lawfully requested. 

Background & Timeline On XX/XX/XXXX, I submitted a dispute via XXXX regarding inaccurate high utilization reporting and conflicting data on my XXXX account. The dispute included all necessary documentation : my state identification and a bank statement. Under FCRA XXXX ( a ) ( XXXX ), CFPB.gov disputes are to be treated the same as disputes submitted directly to a CRA. 

TransUnion Received : XX/XX/XXXX ; Responded : XX/XX/XXXX with XXXXXXXX XXXX XXXX ACTIVE DISPUTE. This is not a lawful reinvestigation result under 611 ( a ) ( 5 ) ( A ). You also exceeded the XXXX investigation window mandated by 611 ( a ) ( 1 ) ( A ). No M.O.V. provided, violating 611 ( a ) ( 6 ) ( B ) ( iii ). 

Experian Received : XX/XX/XXXX ; Responded : XX/XX/XXXX claiming potential fraud. Since I submitted ID and proof of address with the dispute, you had no lawful basis to delay. If you deemed this fraud-related, you were required to notify me within the XXXX period per 611 ( a ) ( 1 ). You responded late a clear violation. 

Equifax Received : XX/XX/XXXX ; Same day response requesting identity verification. Again, my ID and bank statement were attached. Unnecessary re-verification requests do not pause or extend the XXXX investigation period per 611 ( a ) ( 1 ). You failed to complete your investigation in time. 

Applicable Law FCRA 611 ( a ) ( 1 ) ( A ) Requires a CRA to complete a reinvestigation within XXXX  days of receiving a dispute. 
FCRA 611 ( a ) ( 1 ) ( B ) Only allows an additional XXXX  days if the consumer provides additional information during the investigation ( not applicable here ). 
FCRA 611 ( a ) ( 5 ) ( A ) If disputed information can not be verified within the XXXX period, it must be deleted from the file. 
FCRA 607 ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. 
FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Upon verification, CRAs must provide the XXXX, including the furnishers name, address, and telephone number. 
FCRA 623 ( a ) ( 8 ) Disputes submitted through an agency such as XXXX carry the same legal obligations as direct disputes. 
FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report information they know or should know is inaccurate. 

Supporting Case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must perform an independent, reasonable investigation, not rely solely on the furnisher. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Failure to correct or delete unverifiable information after notice creates liability. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Exceeding statutory timeframes requires deletion of disputed information. 

Demand for Immediate Action The law is clear : If a CRA does not complete its investigation within XXXX  days, the disputed information must be deleted. It is now too late to verify, update, cure, or fix the XXXX account. 

The XXXX account must be updated to Pays As Agreed with 100 % on-time payment history. 

All false late payments must be removed immediately. 

If you nonetheless choose to verify this account, I demand the XXXX. within XXXX  days of your verification notice not XXXX. 

Failure to comply will result in formal complaints to the CFPB, FTC, and potential private legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation