Consumer complaint received 2025-10-17 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 New York, NY XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SUBJECT : SECOND NOTICE FAILURE TO COMPLETE REINVESTIGATION WITHIN 30 DAYS ; FORMAL DEMAND FOR DELETION OR METHOD OF VERIFICATION ( M.O.V. ) FOR BOTH PRIOR DISPUTES. 
Account : XXXX XXXX | Partial Acct XXXX. : XXXX | XXXX XXXX : XXXX XXXX XXXX, XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Whom It May Concern : This is a renewed and supplemental dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. You have * * twice failed * * to complete a reinvestigation within the statutory 30-day period for the XXXX XXXX tradeline identified above. In addition, the account continues to be reported with * * ongoing, material inconsistencies * * across TransUnion, Equifax, and Experian. These are independent violations that require * * immediate deletion * * or, if you claim verification, a * * complete XXXX of XXXX ( XXXX. ) * * FOR BOTH PRIOR DISPUTES. 

I incorporate by reference my disputes dated * * XX/XX/XXXX * * and * * XX/XX/XXXX * *, which set out the initial contradictions and invoked my rights to deletion and XXXX. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I. TIMELINE & PROCEDURAL VIOLATIONS ( REPEATED XXXX BREACHES ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TransUnion : XXXX XX/XX/XXXX Responded XX/XX/XXXX ( XXXX XXXX LLCUPDATED ). Exceeded 30 days. 
Equifax : Received XX/XX/XXXX Responded XX/XX/XXXX ( 35 days ) with no XXXX. provided. 
Experian : Received XX/XX/XXXX Responded XX/XX/XXXX ( verified as reported ) beyond 30 days and without XXXX. 

Second dispute ( Notice of Violation ) sent * * XX/XX/XXXX * * : TransUnion : Received XX/XX/XXXX Responded XX/XX/XXXX ( ACTIVE DISPUTE ) again beyond 30 days. 
Equifax : Received XX/XX/XXXX Responded XX/XX/XXXX with an * * identity re-verification request * *, despite having already verified the same documents previously. 
Experian : Received XX/XX/XXXX Responded XX/XX/XXXX ( verified as reported ) again beyond 30 days and without XXXX. 

Under * * FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) * *, a CRA must complete a reasonable reinvestigation within 30 days. When the investigation exceeds this timeframe, the disputed information must be * * deleted * * under * * XXXX ( a ) ( XXXX ) ( A ) * *. Updating or curing the account after the deadline does * * not * * retroactively comply with federal law. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. ONGOING REPORTING INCONSISTENCIES ( CONTINUOUS, CURRENT CONFLICTS ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As of my most recent credit reports, this same XXXX Funding tradeline still contains major conflicts : * * Date of Last Activity * * TransUnion : * * XX/XX/XXXX * * | Equifax : * * XX/XX/XXXX * * | Experian : * * XX/XX/XXXX * * * * Original Creditor * * TransUnion : * * XXXX XXXX XXXX, XXXX. * * | Equifax : * * Blank * * | Experian : * * Blank * * * * Term/Source Type * * TransUnion : * * Blank * * | Equifax : XXXX * Blank * * | Experian : * * Provided * * * * Status * * TransUnion : * * Charge-Off * * | Experian : * * Charge-Off * * | Equifax : * * Open * XXXX * * Most Recent Adverse Rating * * TransUnion : * * Collection/Charge-Off * * | Experian : * * Collection/Charge-Off * * | Equifax : * * No Data Available * * * * Payment History * XXXX TransUnion : * * No history available * * | Equifax : * * 100 % on-time * * | Experian : * * 5 % on-time * * These inconsistencies are * * ongoing and current * *, which constitutes a * * continuous pattern of inaccurate and unverifiable reporting * * under * * 607 ( b ) * * ( maximum possible accuracy ) and * * 611 ( a ) ( 5 ) ( A ) * * ( unverifiable data must be deleted ).

If all three CRAs claim to have verified this tradeline, then * * three different versions of accuracy * * can not coexist meaning at least two, and possibly all three, are factually incorrect and legally unverifiable.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - III. GOVERNING LAW, GUIDANCE, AND CASE LAW -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * FCRA 602 ( a ) : * * Credit reporting must be fair and accurate.

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

* * FCRA 611 ( a ) ( 1 ) ( A ) : * * Requires a * * reasonable reinvestigation within 30 days * *.

* * FCRA 611 ( a ) ( 5 ) ( A ) : * * If information * * can not be verified * *, it * * must be deleted * *.

* * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : * * Upon consumer request, CRAs must provide the * * Method of Verification * * ( furnisher name, address, phone number, and records relied upon ). * * FCRA 623 ( a ) ( 1 ) ( A ) : * * Furnishers may not report information they know or should

know is inaccurate. * * FCRA 623 ( a ) ( 8 ) : * * Indirect ( CFPB.gov ) disputes carry the same reinvestigation duties and timelines as direct disputes.

* * Case Law and Regulatory Authority * * * Cushman v. TransUnion *, 115 F.3d 220 ( 3d Cir. 1997 ) : CRAs must conduct an * * independent and reasonable investigation * *, not rely solely on furnishers.

* Dennis v. BEH-1, LLC *, 520 F.3d 1066 ( 9th Cir. 2008 ) : Information is inaccurate if it is * * misleadin

g * * in a way that could impact creditworthiness.

* Seamans v. Temple Univ. *, 744 F.3d 853 ( 3d Cir. 2014 ) : * * Incomplete or misleading data * * constitutes inacc

uracy under the FCRA. FTC Staff Opinion ( Cass, 1999 ) & CFPB Bulletin 2013-09 : CRAs must delete unverifiable or internally inconsistent data and conduct * * reasonable, not perfunctory * * investigations.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - IV. FORMAL DEMAND FOR ACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. * * Immediate Deletion * * of the XXXX Funding tradeline from TransUnion, Equifax, and Experian due to : Repeated FCRA violations ( failure to complete reinvestigations within 30 days ), and Ongoing, conflicting data demonstrating the information is * * unverifiable * *.

2. If any CRA refuses deletion and claims verification, provide the * * complete Method of Verification * * under * * 611 ( a ) ( 6 ) ( B ) ( iii ) * * within * * 15 days * * of this notice, including : Furnishers name, address, and telephone number ; Exact records, account-level data, and original documentation reviewed; The verification date, method used, and all systems accessed ; An explanation of how contradictory data was reconciled.

3. * * Mark the tradeline as disputed by consumer * * during any ongoing review, as required by * * 623 ( a ) ( 3 ) * *.

4. * * Retroactive M.O.V. for Each Prior Verification/Update : * * This letter also serves as a * * retroactive and separate demand * * for the Method of Verification for every previous verification or update issued on this tradeline, as follows : * * TransUnion : * * XX/XX/XXXX ( XXXX XXXX LLCUPDATED ) and XX/XX/XXXX ( ACTIVE DISPUTE, if based on any verification ). 
* * Equifax : * * XX/XX/XXXX ( verified current status and prior paying history updated ). 
* * Experian : * * XX/XX/XXXX ( verified as reported ) and XX/XX/XXXX ( verified as reported ). 

For each of the above, provide within * * 15 days * * : ( a ) The furnishers name, address, and telephone number ; ( b ) The exact documents and data relied upon ; ( c ) The verification date, process, and identifying employee or department; and ( d ) The procedure used to resolve the inter-bureau conflicts listed in Section II.

Failure to produce M.O.V.s for * * each prior verification * * will constitute separate violations of * * 611 ( a ) ( 6 ) ( B ) ( iii ) * * and evidence that the tradeline is unverifiable under * * 611 ( a ) ( 5 ) ( A ) * *, requiring deletion. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - V. PRESERVATION OF RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This notice serves as formal preservation of all rights under the FCRA and applicable law. Continued reporting of inaccurate or unverifiable data will be treated as willful noncompliance under XXXX XXXX XXXX XXXX XXXX, subjecting your agency to statutory and actual damages, attorneys fees, and further CFPB and FTC escalation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New York, NY XXXX Email : XXXX | Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief