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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Date of Birth : XX/XX/XXXXXXXX  SSN ( Last XXXX Digits ) : XXXX  Phone XXXX XXXX XXXX XXXX XXXX  Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXXXXXX XXXX XXXX XXXX TX XXXX Re : Failure to Respond Within 30 Days XXXX XXXXXXXX XXXX  SS Account # XXXX To Whom It May Concern, This letter serves as a formal follow-up dispute and demand for deletion of the account listed as XXXX XXXX XXXX XXXX XXXX Account # XXXX ). This dispute was originally submitted via CFPB.gov on XX/XX/XXXX, XXXX dispute channel that carries the same legal weight as a direct dispute under the Fair Credit Reporting Act ( FCRA ).

The law is clear : once a dispute is received, the credit reporting agency must complete its reinvestigation within 30 days under FCRA 611 ( a ) ( 1 ) ( A ). If the disputed information can not be verified within that time, it must be
deleted from the consumers credit file under FCRA 611 ( a ) ( 5 ) ( A ).

Violations TransUnion Received : XX/XX/XXXX Responded : XX/XX/XXXX ( 52 days later ) Violation : Failure to complete reinvestigation within the 30-day statutory period ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Violation : Failure to provide Method of Verification after verifying the account ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ), which must be provided upon request within 15 days after verification. 

Violations Equifax Received : XX/XX/XXXX Responded : XX/XX/XXXX ( 37 days later ) Violation : Failure to complete reinvestigation within 30 days ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Violation : Failure to provide the Method of Verification as requested in the original dispute ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Violations Experian Received : XX/XX/XXXX Status : No response as of XX/XX/XXXX ( 42 days and counting ).

Violation : Complete failure to respond to a dispute within 30 days ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Relevant FCRA Statutes FCRA 611 ( a ) ( 1 ) ( A ) : A consumer reporting agency shall conduct a reasonable reinvestigation before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute FCRA 611 ( a ) ( 5 ) ( A ) : If disputed information can not be verified within the 30-day period, it must be promptly deleted from the file.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Upon request after verification, the CRA must provide the consumer with the method of verification within 15 days.

FCRA 607 ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Supporting XXXX XXXX XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : CRAs must perform more than a superficial verification and are liable if they fail to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Failure to properly investigate disputed information is a violation of the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Conflicting or unverifiable tradeline reporting across CRAs violates the accuracy requirement. 

Demand for Deletion Due to : Failure to complete reinvestigation within the required 30 days ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Failure to delete unverifiable information within the statutory period ( FCRA 611 ( a ) ( 5 ) ( A ) ).

Failure to provide Method of Verification after verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

This account must be removed from my credit reports immediately. 

If you refuse to delete, I am again requesting the Method of Verification, which must be provided within 15 days, not 30, from the date of this letter.

Failure to comply will leave me with no choice but to pursue remedies available under FCRA 616 & 617, including civil action for statutory and punitive damages, as well as filing additional complaints with the CFPB and my State Attorney General. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief