Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXXXXXX  | SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Formal FCRA Demand for Deletion Capital XXXX Account # XXXX Original Dispute Date : XX/XX/XXXX CRA Receipt Dates : TransUnion XX/XX/XXXX ( Responded XX/XX/XXXX 48 days later ) Equifax XX/XX/XXXX ( Responded XX/XX/XXXX 52 days later ) Experian XX/XX/XXXX ( No response as of XX/XX/XXXX ) XXXX Failure to Comply with FCRA Timelines Mandated Deletion Required This is a formal follow-up and enforcement demand regarding my prior dispute of the XXXX  XXXX account. All three CRAs have violated federal law by failing to complete a reinvestigation and provide the legally required results within 30 days from receipt of my dispute, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Law : ... the agency shall, free of charge, 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 from the consumer... If the investigation is not completed within this period, the disputed item must be deleted from the consumers file.

Your failure to reinvestigate in time mandates deletion of this XXXX XXXX account in its entirety. 

Labeling a dispute duplicate ( TransUnion ) or delaying responses does not toll or pause the statutory 30-day window. 

Failure to Provide Method of Verification ( M.O.V. ) In my original dispute, I explicitly requested the Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ). The law requires that once a consumer requests the M.O.V., the CRA must provide it within 15 days of that requestnot 30.

None of you have complied. 
This failure is an independent FCRA violation and an additional basis for immediate deletion. 

CFPB Disputes Are Governed by the Same FCRA Rules as Direct Disputes All three CRAs are reminded that disputes initiated via XXXX carry the same legal obligations and timelines as disputes submitted directly. 

Authority : 15 U.S.C. 1681i ( a ) ( 2 ) CRAs must reinvestigate upon receiving notice of a dispute from the consumer or a reseller ( which includes disputes transmitted by the CFPB ).

The method of transmission does not alter the 30-day requirement for reinvestigation or the 15-day requirement for M.O.V. responses.

Applicable Case Law Supporting Immediate Deletion Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX XXXX. XXXX ) CRAs must conduct their own reasonable investigation ; failure to do so violates 1681i. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) CRAs must delete unverified information after a dispute. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Delayed or inadequate reinvestigation violates FCRA duties. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Failure to respond within statutory deadlines requires deletion. 

Demand for Action Given these clear statutory and case law violations, you are hereby demanded to : 1.Delete the disputed XXXX XXXX account from my credit file in full, effective immediately. 

2.Provide a written confirmation that the account has been deleted.

3.If you refuse to delete, you must provide the complete M.O.V. within 15 days of this letter, including : The name, address, and telephone number of the furnisher Copies of all documents used to verify the account The exact process used to verify Failure to comply will result in escalation through additional CFPB complaints, FTC filings, and legal action for statutory damages under 15 U.S.C. 1681n and 1681o.

Enclosures : Copy of government-issued ID Proof of address Copy of original dispute and delivery confirmation receipts Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief