Consumer complaint received 2025-08-12 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 XXXX XXXX  NY XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last Four ) : XXXX XXXX XXXX XXXX DOB : XX/XX/XXXXXXXX  Date : XX/XX/XXXXXXXX  To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Notice of Failure to Respond within 30 Days and Failure to Provide Method of Verification Demand for Deletion of Duplicate Student Loan Account. 
Account # : Transunion - XXXX Equifax : XXXX Experian : XXXX To Whom It May Concern, I am writing regarding my formal dispute submitted via CFPB.gov on XX/XX/XXXX, concerning duplicate student loan accounts reported on my credit files from the Department of Education XXXX XXXX. These accounts, reported under materially identical loan information, contain multiple conflicting data points violating the Fair Credit Reporting Act ( FCRA ). 

This letter serves as a formal notification of your non-compliance with the statutory reinvestigation and verification requirements under the FCRA. 

Summary of Violations : Failure to Respond/Reinvestigate Within 30 Days TransUnion, Equifax and Experian TransUnion received my dispute on XX/XX/XXXX, and Experian on XX/XX/XXXX. 

To date ( XX/XX/XXXXXXXX  ), neither TransUnion nor Experian has responded or completed the required reinvestigation within the 30-calendar-day timeframe mandated by FCRA 611 ( a ) ( 1 ) ( A ). 

This statutory violation requires deletion of the disputed information if a timely reinvestigation is not completed. 

Legal Basis : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ; Cushman v. TransUnion Corp., 115 F.3d 220 ( XXXX XXXX XXXX ) Failure to investigate or respond within 30 days results in mandatory deletion.

Equifaxs Failure to Provide Method of Verification ( MOV ) Within 15 Days After Verification Equifax responded on XX/XX/XXXXXXXX  beyond the 30-day deadline claiming to have verified the account. 

However, Equifax failed to provide the Method of Verification ( MOV ) as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 15 days following verification.

This failure constitutes a further violation of the FCRAs procedural and accuracy requirements. 

Legal Basis : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ; Richardson v. Equifax, XXXX  Verification without transparent MOV is insufficient.

Ongoing Reporting of Duplicate and Inaccurate Data The duplicate reporting inflates my derogatory credit information unfairly, violating : FCRA 607 ( b ) Obligation to maintain maximum possible accuracy.
FCRA 602 ( a ) Requirement for consumer reporting practices to be fair and equitable. 

Demand for Immediate Action : Given these clear and deliberate violations of federal law, I hereby demand : Immediate deletion of all duplicate student loan accounts related to Dept. of Ed / XXXX from my credit report at TransUnion, Experian, and Equifax. 

It is now legally too late to cure, correct, or update this account due to your failure to meet reinvestigation deadlines. Under the FCRA, failure to respond timely requires deletion. 

Should any credit bureau fail to delete the disputed accounts, I demand full Method of Verification ( MOV ) be provided within 15 calendar days after verification, including : The identity of the source contacted.

The procedures used to verify the accuracy of the information. 

Documentation or original source data that supports the accuracy and completeness of the account. 

Legal Clarification Regarding CFPB.gov Disputes : Please be advised that disputes submitted via CFPB.gov are not exempt from the FCRAs provisions and timelines. These disputes carry the same legal weight and requirements as direct disputes submitted to credit bureaus. The FCRA governs all consumer disputes regardless of submission method, as clearly stated in : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates reinvestigation within 30 days of notice of dispute.

CFPB supervisory guidance confirms that disputes through government platforms are treated identically under the FCRA. 

Summary of Case Law Supporting My Position : Cushman v. TransUnion Corp., 115 F.3d 220 ( XXXX XXXX. XXXX ) : Credit bureaus must conduct thorough investigations and can not ignore inconsistencies. 

Richardson v. Equifax, XXXX : Failure to provide method of verification renders verification invalid. 

Dennis v. BEH-1, LLC, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Contradictory reporting after dispute is willful noncompliance with the FCRA. 

I expect a prompt written response from all three bureaus confirming deletion of the duplicate accounts or, alternatively, a full and transparent MOV within 15 calendar days of receipt of this letter.

Failure to comply will leave me no choice but to pursue all legal remedies available, including filing complaints with the CFPB, FTC, and initiating civil action for willful noncompliance under the FCRA. 

Enclosures : Copy of State-issued ID ( Proof of Identity ) Copy of recent Utility Bill ( Proof of Address ) Copy of original dispute submission confirmation Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation