Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
============================================================ FCRA 611 NON-COMPLIANCE FAILURE TO COMPLETE REINVESTIGATION ============================================================ Date : XX/XX/XXXX Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX | SSN ( Last 4 ) : XXXX Email : XXXX | Phone : XXXX Subject : Failure to complete reinvestigation within 30 days Demand for deletion of unverified information Disputed Tradeline : XXXX  Account Number : XXXX Delivery : VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX, XXXX XXXX. Box XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I. BACKGROUND & TIMELINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, I submitted a detailed dispute via the CFPB portal addressed to all three NCRAs and identifying the tradeline above, with documentary proof. 
Equifax RECEIVED : XX/XX/XXXX XXXX deadline : XX/XX/XXXX TransUnion RECEIVED XXXX XX/XX/XXXX XXXX deadline : XX/XX/XXXX Experian RECEIVED : XX/XX/XXXX XXXX deadline : XX/XX/XXXX I did not submit additional information during your investigation ; the XXXX extension does not apply. 

As of today ( XX/XX/XXXX ), none of you has provided reinvestigation results within the statutory period. This is a late/no-response situation under the FCRAs reinvestigation provisions. ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - ( B ), ( a ) ( 6 ). ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- II. STATUTORY 30-DAY DEADLINE & REQUIRED DELETION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 611 ( a ) ( 1 ) ( A ) : When a consumer disputes information, a CRA must conduct a reasonable reinvestigation and complete it within 30 days ( 45 only if the consumer supplies new information during the 30 days ).

611 ( a ) ( 6 ) : You must provide written notice of the results within 5 business days after completion. : 611 ( a ) ( 5 ) ( A ) : If information is inaccurate, incomplete, or can not be verified, the CRA shall promptly delete or modify it. : Because you did not complete the reinvestigation within the 30-day window, the disputed tradeline has not been verified within the time the statute allows ; it must now be removed as can not be verified. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- III. CFPB-TRANSMITTED COMPLAINTS & YOUR OBLIGATIONS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My dispute was transmitted to you through the CFPBs complaint system and received by you on the dates above. Two duties attach : 1 ) 611 ( a ) : Upon receipt of a dispute from the consumer, regardless of intake channel, you must reinvestigate within 30 days and provide results.

2 ) 611 ( e ) ( 3 ) : When the CFPB transmits covered complaints about incomplete/inaccurate information ( especially where a prior dispute exists ), NCRAs must review the complaint and report actions taken to the CFPB. 

Thus, the CFPB submission does not reduce your 611 ( a ) obligations ; it adds 611 ( e ) ( 3 ) review/reporting duties.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IV. TOO LATE TO UPDATE/CURE AFTER DAY 30 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The window to complete the reinvestigation expired on the dates listed in Section I. At that point, any unverified info
rmation must be deleted under 611 ( a ) ( 5 ) ( A ). You can not cure a missed deadline by belatedly verifying while leaving the item in place. If you later obtain certification and seek to reinsert the item, you must comply with 611 ( a ) ( 5 ) ( B ) ( furnisher certification + consumer notice within 5 business days ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- V. METHOD OF VERIFICATION ( IF YOU CLAIM VERIFIED LATE ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- If, despite the expired deadline, you now assert the tradeline is verified, I hereby demand the Method of Verification : A description of the procedures used to determine accuracy, including the business name, address, and ( if reasonably available ) phone number of each furnisher you contacted, due within 15 days of your verification. ( 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ). ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VI. OTHER APPLICABLE FCRA DUTIES & AUTHORITIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 607 ( b ) / 15 U.S.C. 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy in consumer reports.

Civil liability : 1681n ( willful ) and 1681o ( negligent ) provide damages, punitive damages ( for willful ), costs, and attorneys fees.

Limitations : 1681p 2 years from discovery / 5 years from violation, whichever is earlier.

Case law supporting robust investigations : Cushman v. Trans Union, 115 F.3d
220 ( 3d Cir. 1997 ) ( CRAs must conduct a reasonable, independent investigation ; not merely parrot the furnisher ).

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) ( CRA liability where it overlooks/misinterprets readily available court records ; reinforces duty of reasonable investigation ).

Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) ( claims allowed under 1681e ( b ) and 1681i for failure to assure accuracy and reasonably reinvestigate ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VII. DEMAND -- -- -- -- --
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 ) DELETE the disputed tradeline from my Equifax, Experian, and TransUnion files immediately based on failure to timely complete the reinvestigation and inability to verify within the statutory period ( 611 ( a ) ( 1 ), ( a ) ( 5 ) ).

2 ) Within 5 business days of deletion, provide written confirmation and a free updated credit report reflecting the deletion ( 611 ( a ) ( 6 ) ).

3 ) If you contend the item is verified notwithstanding the expired deadline, send the full Method of Verification within * * 15 days * * of that verification ( 611 ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) ). 4 ) If the item is later reinserted, comply with 611 ( a ) ( 5 ) ( B ) ( furnisher certification + 5-day consumer notice ) or it must be removed again.

5 ) Please confirm deletion of the disputed account within 10 calendar days of your receipt of this notice. If you fail to do so, I will escalate this matter with the CFPB, my state Attorney General, and pursue civil remedies under FCRA 1681n and 1681o.

If you fail to comply, I will pursue remedies under 1681n/o and escalate with the CFPB and my state AG .

Enclosures : 1. Government-issued state identification ( proof of identity ) 2. Recent pay stub ( proof of identity and current address ) 3. Copies of the original disputes submitted to TransUnion, Equifax, and Experian via the CFPB portal 4. Highlighted copies of my credit reports showing the specific inconsistencies within the disputed account Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation