Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX DOB : XX/XX/XXXXXXXX  ( XXXX ) XXXX Last 4 ( Social ) - XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Failure to Reinvestigate Within 30 Days Formal Request for Deletion and/or Method of Verification Account in Dispute : XXXX | Acct # XXXX Dear Experian and Equifax Dispute Departments, This is a formal follow-up to the original dispute I filed through the Consumer Financial Protection Bureau ( CFPB ) portal on XX/XX/XXXX regarding the above-referenced XXXX account, which was received by : Equifax on XX/XX/XXXX Experian on XX/XX/XXXX XXXX. Violations of the FCRA 30-Day Reinvestigation Requirement Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 1 ) ( A ) ) [ 15 U.S.C. 1681i ], credit reporting agencies are legally required to complete a reinvestigation within 30 days of receiving a dispute or delete the item from the consumers credit file. 

Your Failure to Comply : Equifax responded on XX/XX/XXXX ( 39 days after receipt ) Instead of issuing a resolution, you issued an ID verification request, despite having already accepted and verified my ID documents in a prior dispute. This response is clearly a delaying tactic to circumvent the FCRAs 30-day requirement. 
You already accepted my government-issued ID and a bank statement, which were also included in this dispute. 

Experian responded on XX/XX/XXXX ( 58 days after receipt ), stating : " We contacted the data furnisher ( s )... They responded and verified the information was accurate as reported. '' This response is outside the 30-day legal window and is therefore invalid. 

Result : Because both bureaus failed to complete the reinvestigation within 30 days, you have waived your right to verify, cure, update, or report this account further. Per federal law, this XXXX account must be permanently deleted. 

2. Method of Verification ( MOV ) Required Within 15 Days Additionally, I now formally invoke my right under FCRA 611 ( a ) ( 7 ) to receive a Method of Verification ( MOV ) from both Experian and Equifax, should you refuse to delete the account. 
As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), consumers are entitled to : -Name and address of the party who verified the information -The method used for the verification -A copy of the original documentation used to support the reporting You are now required to provide this information within 15 days of receiving this letter. 

3. CFPB Disputes Are Equal to Direct Disputes Under the FCRA Let me be clear : A dispute filed via CFPB.gov is no different than one filed directly with the credit bureau. The FCRA applies equally, regardless of the method of delivery. 
A consumer reporting agency shall conduct a reasonable reinvestigation ... within 30 days of the date on which the agency receives the notice of the dispute from the consumer or reseller. 
FCRA 611 ( a ) ( 1 ) ( A ) Therefore, your legal responsibilities remain intact, and your delays are in direct violation of federal law. 

4. Action Demanded For Experian and Equifax : Immediately and permanently delete the XXXX account ( Acct # XXXX ) due to failure to reinvestigate within 30 days. 
If You Refuse to Delete : You must send me a complete Method of Verification ( MOV ) within 15 days, including all supporting documents and verifier information. 

Failure to comply will result in : -Additional CFPB and FTC complaints -A complaint to the North Carolina Attorney General Possible legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) Thank you for your immediate attention to this matter. Please respond through the CFPB portal, where this dispute is formally tracked. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief