Consumer complaint received 2025-08-13 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:
FAILURE TO RESPOND WITHIN 30 DAYS / FAILURE TO PROVIDE METHOD OF VERIFICATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  NY XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX. Box XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Re : Failure to Respond Within Statutory Timeframe / Failure to Provide Method of Verification Account Name : Capital One Partial Account Number : XXXX To Whom It May Concern, This is a formal final demand regarding the above-referenced account and your agencies failure to comply with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a formal written dispute of the Capital One account to all three credit bureaus. The disputes were received by your agencies on the following dates : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must : conduct a reasonable reinvestigation to determine whether the disputed information is inaccuratebefore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute The law is clear the FCRA grants 30 calendar days from receipt of the dispute to complete the reinvestigation and provide results. If you fail to comply within this timeframe, the disputed information must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

TransUnion has provided no response as of today, XX/XX/XXXX 47 days after receipt. 
Experian has provided no response as of today, XX/XX/XXXX 34 days after receipt. 
Equifax responded on XX/XX/XXXX, but failed to provide the Method of Verification that was explicitly requested in my original dispute.

My initial dispute clearly stated : If this account is verified as accurate, I demand a Method of Verification ( MOV ) in accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Under this law, a CRA must provide the MOV within 15 days of a consumers request not 30. Your failure to provide the MOV is a direct violation.

CFPB Disputes Carry Equal Weight : Under 15 U.S.C. 1681i ( a ) ( 2 ) and CFPB guidance, disputes submitted through the CFPB portal are considered direct consumer disputes and must be treated with the same legal obligations as disputes sent directly to a CRA. There is no statutory exemption allowing you to disregard or delay responses to disputes submitted via the CFPB. 

XXXX XXXX XXXX : XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) CRAs must go beyond automated verification and conduct a meaningful investigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX contradictory or factually impossible data is a violation of FCRAs maximum accuracy standard. 

Final Demands : Immediate Deletion As the statutory 30-day reinvestigation period has expired, you are required to delete the disputed Capital One account from my credit file.

If You Refuse to Delete Provide the full Method of Verification within 15 calendar days of this notice. This MOV must include : The name, address, and telephone number of the furnisher who verified the account A detailed explanation of the process and documents reviewed during verification Important : It is now too late to update, correct, or cure the reporting to avoid deletion the law mandates removal after the 30-day limit has passed.

If you fail to comply, I will escalate with the CFPB, the FTC, my state Attorney General, and will pursue civil action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief