Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Formal Method of Verification ( M.O.V. ) Request Failure to Reinvestigate Within 30 Days / Request for Statutory Verification From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXXXX/XX/XXXX SSN ( Last Four ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account in Dispute : XXXX XXXX | Acct # XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Purpose of This Request Method of Verification ( M.O.V. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a formal request under the Fair Credit Reporting Act ( FCRA ) for the full * * Method of Verification ( M.O.V. ) * * for the XXXX XXXX account identified above. A detailed dispute was submitted via the CFPB portal, and each CRA issued a response that either exceeded the statutory 30-day reinvestigation window or failed to provide the legally required M.O.V. details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chronology ( Documented ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Formal dispute submitted via CFPB portal regarding XXXX XXXX | Acct # XXXX. 

* * TransUnion * * receipt : XX/XX/XXXX Response : XX/XX/XXXX ( XXXX XXXX XXXX XXXX VERIFIED AS REPORTED ; XXXX XXXX ACTIVE DISPUTE ) * * late * * beyond 30 days ; no M.O.V. provided. 

* * Experian * * receipt : XX/XX/XXXX Response : XX/XX/XXXX ( generic process letter ; verified as accurate ) * * late * * beyond 30 days ; no M.O.V. provided. 

* * Equifax * * receipt : XX/XX/XXXX Response : XX/XX/XXXX ( within 30 days ) no M.O.V. details provided ; M.O.V. is now requested. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. Legal Framework XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * A CRA must complete a reasonable reinvestigation * * within 30 days * * of receiving a dispute.

* * FCRA 611 ( a ) ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * If information * * can not be verified * *, it * * must be deleted * *.

* * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * * Upon request, a CRA must provide the * * Method of Verification * *, including the * * business name, address, and telephone number * * of any furnisher contacted and a * * description of the procedure * * used to determine accuracy.

* * FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ) * * The CRA * * shall provide * * that description * * within 15 days * * of the consumers request.

* * FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) * * CRAs must follow reasonable procedures to assure * * maximum possible accuracy * *.

* * FCRA 623 ( b ), 15 U.S.C. 1681s-2 ( b ) * * Upon CRA notice, furnishers must conduct a * * reasonable investigation * * and correct or delete inaccurate data.

Case Law : * * Cushman v. Trans Union * *, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must conduct a * * meaningful * * investigation ; they can not merely parrot the furnisher.

* * Hinkle v. Midland Credit Mgmt. * *, 827 F.3d 1295 ( 11th Cir. 2016 ) Verification requires * * actual evidence * *, not conclusory assertions.

* * Dennis v. BEH-1 * *, 520 F.3d 1066 ( 9th Cir. 2008 ) Inconsistent/misleading data may be * * inaccurate * * under the FCRA.

* * Richardson v. Fleet Bank * *, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) Conflicting data across reports constitutes inaccuracy requiring correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CFPB-Filed Disputes Carry the Same Legal Force XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA 611 ( 15 U.S.C. 1681i ) * * Reinvestigation duties apply regardless of submission channel ; disputes filed via * * CFPB.gov * * trigger the same obligations as direct disputes.

* * FCRA 623 ( a ) ( 8 ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) * * Furnishers must maintain reasonable dispute procedures; routing through the CFPB does * * not * * diminish compliance duties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX V. Specific Information Requested in the M.O.V. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) * *, provide all of the following for XXXX XXXX | Acct # XXXX : XXXX ) * * Furnisher identification * * Business * * name, address, and telephone number * * of every furnisher/source contacted.

2 ) * * Point of contact * * * * Name, title, and/or department * * of the individual ( s ) with whom you communicated.

3 ) * * Verification logistics * * The * * exact manner and date ( s ) * * of verification ( e.g., e-OSCAR/XXXX  codes , telephone call, written correspondence ), including any * * XXXX/dispute IDs * * or internal reference numbers. 
4 ) * * Procedure description * * A * * complete description of the procedure * * you used to determine accuracy and completeness.

5 ) * * Evidence relied upon * * Copies or identification of the * * specific documents, account records, or data * * used to verify the item ( e.g., original agreement, billing statements, payment history, charge-off records ).

* * Note : * * Generic statements like verified as reported * * do not * * satisfy the statutory M.O.V. requirement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VI. Bureau-Specific Demands XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion * * You responded * * late * * on XX/XX/XXXX. Provide the * * complete M.O.V. * * as requested above * * within 15 days * *, or * * delete * * the XXXX XXXX account. 

* * Experian * * You responded * * late * * on XX/XX/XXXX. Provide the * * complete M.O.V. * * * * within 15 days * *, or * * delete * * the XXXX XXXX account. 

* * Equifax * * Provide the * * complete M.O.V. * * * * within 15 days * *. If you can not provide it, * * delete * * the XXXX XXXX account pursuant to 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VII. Required Remedy and Reinsertion Safeguards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide the * * full Method of Verification within 15 days * * of receipt of this request, as required by * * FCRA 611 ( a ) ( 7 ) * *. If you can not, then under * * FCRA 611 ( a ) ( 5 ) ( A ) * * the XXXX XXXX account must be * * deleted * * from my file. If any item is later reinserted, you must comply with * * FCRA 611 ( a ) ( 5 ) ( B ) * * ( certification of accuracy and * * consumer notice within 5 business days * * ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX SSN ( Last Four ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief