Consumer complaint received 2025-08-10 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Removal XXXX XXXX XXXX XXXX XXXX  Account Dear XXXX XXXX, I am writing to address my formal dispute originally submitted on XX/XX/XXXX, regarding the XXXX XXXX XXXX XXXX XXXX  account, which is being inaccurately and inconsistently reported on my credit files across TransUnion, Equifax, and Experian. 

Despite the clear obligation under the Fair Credit Reporting Act ( FCRA ) to reinvestigate disputed items within XXXX  days, all three credit bureaus have violated this statutory timeframe and have further failed to provide the required Method of Verification ( MOV ) as requested in my original dispute. These failures mandate the immediate removal of this account from my credit reports. 

Violations of the Fair Credit Reporting Act XXXX. Failure to Reinstate Within XXXX  Days FCRA 1681i ( a ) ( 1 ) ( A ) FCRA requires credit reporting agencies to complete reinvestigations within XXXX  days of receiving a dispute. 

TransUnion responded on XX/XX/XXXX, XXXX  days after receipt ( XX/XX/XXXX ). 

Experian responded on XX/XX/XXXX, XXXX  days after receipt ( XX/XX/XXXX ). 

This delay constitutes a violation as per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and mandates removal if verification is not completed timely. 

XXXX. Failure to Provide Method of Verification ( XXXX  ) FCRA 1681i ( a ) ( 6 ) ( B ) ( XXXX ) Upon request, CRAs must provide XXXX  within XXXX  days of the request ( not XXXX  days ). 

None of the XXXX bureaus have supplied the XXXX  despite my express request in the original dispute. 

This noncompliance violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX. Improper Use of Potential Fraud to Delay Reinvestigation FCRA 1681i ( a ) Experians invocation of potential fraud as a basis to stall beyond XXXX  days is improper. 

FCRA requires consumers be notified of suspected fraud within the XXXX reinvestigation window. 

Failure to timely notify and resolve suspicions still constitutes a violation of 15 U.S.C. 1681i ( a ). 

XXXX. XXXX XXXX XXXX and XXXX  Failure Equifax responded within XXXX  days but failed to provide XXXX  within XXXX  days of my request, violating the same provision above. 

XXXX. CFPB Disputes Are Legally Equivalent to Direct Disputes The FCRA does not distinguish disputes filed via CFPB from those sent directly to XXXX. 

Under 15 U.S.C. 1681i ( a ) ( 2 ) and CFPB precedent, your obligations remain the same regardless of submission channel. 

Case Law Supporting My Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX  must conduct reasonable reinvestigation beyond parroting furnishers responses. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Internal inconsistencies and inaccuracies are actionable under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX. XXXX. XXXX ) : Failure to delete unverifiable information after statutory period constitutes violation. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The CRA must delete disputed information if verification is not provided timely. 

Demand for Immediate Action Given these violations, I demand that you : XXXX remove the XXXX XXXX  XXXX XXXX XXXX  account from my credit reports. 

XXXX written confirmation of deletion within XXXX calendar days of receipt of this letter. 

XXXX you refuse removal, provide a complete XXXX of XXXX, including : Name, address, and telephone number of the party verifying the data ; Date and method of verification ; Documentation relied upon to verify this account. 

Failure to comply will be considered willful noncompliance under 15 U.S.C. 1681n, exposing you to statutory and punitive damages as well as potential legal action and complaints to the CFPB and FTC. 

Enclosures Copy of my state-issued identification Proof of current address Screenshots highlighting disputed reporting inconsistencies Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation