Consumer complaint received 2025-08-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 
P.O. XXXX XXXX XXXX, TX XXXX Re : Second Formal Dispute XXXX XXXX  ( Auto Loan ) Failure to Respond Within Legal Timeframe & Failure to Provide Method of Verification ( FCRA Violations ) To Whom It May Concern : I am submitting this formal second dispute regarding the XXXX XXXX  tradeline ( Account No. XXXX ) that continues to appear on my credit reports. This dispute follows my initial CFPB.gov-filed dispute on XX/XX/XXXX, which was sent to all three credit bureaus, and for which each bureau has now committed multiple violations of the Fair Credit Reporting Act ( FCRA ). 

First, the law is clear : A dispute filed through the CFPB.gov platform is legally identical to a direct dispute submitted to a credit bureau. The FCRA does not differentiate between these methodsboth require full compliance with investigation deadlines, verification obligations, and correction or deletion of inaccurate information. See : FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) Requires that when a consumer disputes an account, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and must complete the investigation within 30 days of receiving the dispute. 

FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) If an account is verified, the CRA must provide the Method of Verification ( MOV ) within 15 days of the requestnot XXXX. 
XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX CRA must do more than simply parrot information from the furnisher ; it must perform a reasonable investigation. 

XXXX v. Equifax, XXXX Conflicting and inconsistent reporting across bureaus constitutes a failure to maintain reasonable procedures under the FCRA. 

Violation Summary Failure to Respond Within 30 Days : TransUnion Received my dispute XX/XX/XXXX ; responded XX/XX/XXXX ( 51 days later ). This violates FCRA 611 ( a ) ( 1 ) ( A ), which mandates a maximum 30-day window.

Equifax Received my dispute XX/XX/XXXX ; responded XX/XX/XXXX ( 46 days later ). Also in violation of the same section. 

Experian Received my dispute XX/XX/XXXX ; as of today, XX/XX/XXXX, has provided no response at XXXX direct and complete violation of FCRA 611 ( a ) ( 1 ) ( A ). 

The law is explicit : If a CRA does not complete a reinvestigation within 30 days, the disputed information must be deleted from the credit file. See FCRA XXXX ( a ) ( XXXX ) ( A ). 

Violation Summary Failure to Provide Method of Verification : Both TransUnion and Equifax verified the account but failed to provide the Method of Verification as I requested in my initial dispute, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). The MOV must include : The name, address, and telephone number of the furnisher who verified the information The description of the procedure used to verify the account The exact documentation relied upon in the verification process The law is clear : The MOV must be provided within 15 days of the consumers requestnot 30 days. 

Formal Demand : Because each bureau has now violated federal law in multiple ways, I demand that the XXXX AUTO account be immediately deleted from my credit report with each bureau. This demand is based on : Failure to complete a reinvestigation within 30 days ( FCRA XXXX11 ( a ) ( 1 ) ( A ) ) Failure to delete unverifiable information ( FCRA 611 ( a ) ( 5 ) ( A ) ) Failure to provide the Method of Verification within 15 days of my request ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) Maintaining conflicting, inconsistent, and mathematically impossible payment histories across bureaus ( FCRA 607 ( b ) ) If this account is not removed, I am again requesting the full Method of Verification within the legally required 15-day timeframe, not 30. Any further failure to comply will be treated as willful noncompliance under FCRA 616 and 6XXXX, and I will proceed with formal complaints to the CFPB, FTC, and consideration of civil litigation. 

Attachments : Copy of State ID ( proof of identity ) Utility bill ( proof of address ) Screenshots highlighting reporting inconsistencies and date stamps of original dispute submissions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation