Consumer complaint received 2025-08-15 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Failure to Respond Within XXXX Days / Failure to XXXX XXXX XXXX XXXX XXXX XXXX Account Account Name : XXXX XXXX Account Number ( partial ) : XXXX Consumer : XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Dear Credit Bureau Representative, This letter is a formal notice of violation under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611, and 623, due to your failure to lawfully respond to my dispute within the XXXX statutory period, as well as your failure to provide the Method of Verification ( XXXX ) as required. 

On XX/XX/XXXX, I submitted a dispute through XXXX concerning inaccurate late payment reporting and inconsistencies on my XXXX XXXX account. You received my dispute as follows : TransUnion : Received XX/XX/XXXX Responded XX/XX/XXXX ( Verified as Reported ) Violation : Response exceeded XXXX days Experian : Received XX/XX/XXXX Responded XX/XX/XXXX ( Potential Fraud ) Violation : Improper stall tactic ; no timely notice of such within the statutory period Equifax : Received XX/XX/XXXX Demanded additional verification, effectively stalling Violation : No lawful extension notice sent within the statutory period Legal Basis FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] requires a Consumer Reporting Agency to complete a reinvestigation within XXXX days of receiving a dispute. If they can not verify within this period, the disputed information must be deleted. 
FCRA 611 ( a ) ( 5 ) ( A ) mandates that unverifiable information be promptly deleted from the file. 

CFPB.gov disputes are governed by the same FCRA requirements as direct disputes; filing through CFPB does not extend the XXXX limit. See FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 8 ).

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires that if a dispute is verified, the bureau must provide the consumer the Method of Verification upon request. This was explicitly requested in my original dispute and not provided. 
FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires maximum possible accuracy. Reporting false late payments violates this section.

FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 

Supporting Case XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must conduct an independent and reasonable investigation, not rely solely on the furnishers response. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Failure to remove unverified or inaccurate data creates liability. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : Failure to respond within statutory timeframes violates the FCRA and requires deletion.

Demand for Immediate Action Because the statutory XXXX period has expired, it is too late to verify, cure, or update the disputed late payment reporting. 

The account must now be updated to Pays As Agreed with XXXX  % on-time payment history. 

All inaccurate late payment notations must be removed immediately. 

If you choose to reverify this account, you are required to provide the XXXXethod of Verification within XXXX  days, not XXXX, from the date of your verification notice. 

Failure to comply will result in formal complaints to the CFPB, FTC, and consideration of private legal action. 


Conclusion This violation is clear : the FCRA allows XXXX days to investigate ; you exceeded that limit. Per 611 ( a ) ( 5 ) ( A ), unverifiable information shall be deleted. Updating to Pays As Agreed is the appropriate remedy for this violation in the present case. 
I expect written confirmation of compliance within XXXX calendar days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief