Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally demand Equifax Information Services, LLC comply with its legal obligations under the * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., * specifically 1681i ( a ) ( 5 ) ( A ). Equifaxs failure to investigate my dispute within the statutorily mandated 30-day period requires automatic removal of all disputed negative information from my credit file. 

Background On XX/XX/year>, I submitted a written dispute to Equifax challenging the accuracy of the following accounts ( all closed, no late payments ) : Disputed Accounts 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 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 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax had 30 days ( until XX/XX/year> ) to complete its reinvestigation of all disputed accounts and notify me of the results. 

Equifaxs Violations Failure to Investigate Within 30 Days : Equifax did not conclude its reinvestigation or provide written notice of findings by the XX/XX/year> deadline. Instead, I first learned of Equifaxs purported resolution on XX/XX/year>. This does not constitute timely compliance, as the law requires completion and notice within 30 days of receipt of the dispute. 
No Written Notice of Results : Equifax never sent me a written notice of its investigation results, violating 1681i ( a ) ( 2 ) ( A ).

No Justification for Delay : Equifax provided no explanation for the delay or claim that new information extended the 30-day window under 1681i ( a ) ( 1 ) ( A ) ( ii ).

Legal Demands Under 1681i ( a ) ( 5 ) ( A ) : If [ the reinvestigation ] is not completed within the 30-day period, the [ CRA ] shall promptly delete the item from the file...

All disputed accounts must be removed immediately, including : All accounts listed above, which Equifax failed to reinvestigate timely.

CFPBs Role I request that the CFPB : Investigate Equifaxs willful violation of the FCRAs 30-day reinvestigation rule.

Compel Equifax to remove all disputed accounts within 10 business days.

Enforce penalties under 1681n/o for Equifaxs noncompliance. 
Next Steps If Equifax refuses to act : I will file a lawsuit in federal court for statutory damages ( {$100.00} {$1000.00} ), punitive damages, and attorneys fees under 1681n/o. 
I will file a complaint with my state attorney general for additional remedies. 
Attached are copies of my dispute letter to Equifax, proof of submission, and documentation of the delayed response. 
Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief