Consumer complaint received 2025-09-02 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: SC

Complaint narrative:
The original disputes were filed on XX/XX/XXXX, as documented in previous CFPB complaints. As of today, XX/XX/XXXX, 48 days have passed. The FCRA is unequivocal : a CRA must resolve a dispute within 30 days. Your failure to do so is a direct violation of my rights. 

Final Audit and Demand for Deletion to TransUnion Subject : IMMEDIATE DEMAND FOR DELETION : Violation of FCRA 30-Day Investigation Deadline CFPB Complaint # XXXX Dear TransUnion Legal and Compliance Department , This letter serves as a final demand for the immediate deletion of all disputed items from my credit file. This demand is made due to your agency 's violation of the Fair Credit Reporting Act ( FCRA ). 
My formal dispute was filed on XX/XX/XXXX, and is documented with the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID XXXX. As of today 's date, 48 days have elapsed. 
Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), your agency is required to complete its investigation and provide a response within 30 days. You have failed to meet this legal deadline and are now in violation of federal law. 
Due to your non-compliance, the merits of the dispute are no longer the primary issue. The law requires deletion if verification can not be completed within the statutory timeframe. Therefore, I demand the immediate deletion of the following items without further delay : * Inaccurate Personal Information : * Current Address : XXXX XXXX XXXX, SC XXXX * Previous Address : XXXX XXXX XXXX, SC XXXX * Contradictory and Derogatory Account Information : * XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate and Incomplete Account Data : * XXXX  XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Unverified Hard Inquiries Not Attached to Open Accounts : * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX XXXX, XXXX of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX Your failure to act within the time prescribed by law has voided your opportunity for further investigation. Provide written confirmation of these deletions within 15 days. Continued non-compliance will be considered a willful violation of my rights, and I will pursue all available legal remedies for damages. 
Sincerely, XXXX XXXX Final Audit and Demand for Deletion to Experian To : Experian Legal Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : IMMEDIATE DEMAND FOR DELETION : Violation of FCRA 30-Day Investigation Deadline CFPB Complaint # XXXX Dear Experian Legal and Compliance Department, This letter is a final demand for the immediate deletion of all previously disputed items, as your agency is now in violation of the Fair Credit Reporting Act ( FCRA ). 
My formal dispute was filed on XX/XX/XXXX, and registered with the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID XXXX. 48 days have now passed since you received this dispute. 
Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that your investigation be completed within 30 days. By exceeding this deadline, you have violated my statutory rights. 
Your failure to provide a timely response requires the deletion of all disputed items. I hereby demand the immediate deletion of the following from my credit file : * Inaccurate Personal Information : * Previous Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, SC XXXX * Inaccurate Derogatory Account : * XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate and Incomplete Account Data : * XXXX ( Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXX XXXX XXXX XXXX XXXX Unverified Hard Inquiries Not Attached to Open Accounts : * XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX Dates of Inquiry : XX/XX/XXXX, XX/XX/XXXX * XXXX XXXX XXXX XXXX Dates of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX * XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX * XXXXXXXX XXXX  XXXX XXXX, Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Dates of Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XXXX XXXX, Date of Inquiry : XX/XX/XXXX * XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX, Dates of Inquiry : XX/XX/XXXX, XX/XX/XXXX * XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXXXXXX, Date of Inquiry : XX/XX/XXXX * XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX * XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX The legally mandated investigation period has expired. You are required by law to delete these items. Send written proof of these deletions within 15 days. I will not hesitate to seek legal remedy for damages resulting from your continued non-compliance. 
Sincerely, XXXX XXXX Final Audit and Demand for Deletion to Equifax To : Equifax Legal Department XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX Subject : IMMEDIATE DEMAND FOR DELETION : Violation of FCRA 30-Day Investigation Deadline CFPB Complaint # XXXX Dear Equifax Legal and Compliance Department XXXX This letter is a final demand for the immediate deletion of all items I previously disputed, as your agency has violated the timeline requirements of the Fair Credit Reporting Act ( FCRA ). 
My formal dispute was filed on XX/XX/XXXX. This action is officially documented with the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID XXXX. As of today, you are 18 days beyond the 30-day statutory deadline for providing a response. 
This failure to complete your investigation in a timely manner as required by 15 U.S.C. 1681i is a serious violation of my consumer rights. Consequently, I demand the immediate deletion of every item listed below, as your window for a lawful investigation has closed. 
* Inaccurate Derogatory Accounts : * XXXX ( Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Account Numbers : * XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incomplete and Inaccurate Financial Data ( {$0.00} High Balance ) : * XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Hard Inquiries Not Attached to Open Accounts : * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX ( XXXX inquiries ) * XXXX XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Dates of Inquiry : XX/XX/XXXX, XX/XX/XXXX * XXXX  XXXX, Date of Inquiry : XX/XX/XXXX * XXXX XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Dates of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX  XXXX XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX * XXXX, Date of Inquiry : XX/XX/XXXX You are legally obligated to delete information that you have failed to verify within the mandated timeframe. I expect to receive written confirmation that these items have been deleted within 15 days. Your continued failure to comply will be treated as a willful violation of the FCRA, and I will proceed accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief