Consumer complaint received 2025-08-14 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 XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX, XXXX  XXXX Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX Subject : Failure to Respond Within Statutory Timeframe / Failure to Provide Method of Verification ( M.O.V. ) Account Name : XXXX  XXXX Account Number : XXXX Consumer : XXXX XXXX To Whom It May Concern, This letter serves as a formal Notice of Violation under the Fair Credit Reporting Act ( FCRA ) regarding your failure to respond within the statutory 30-day timeframe and your failure to provide the Method of Verification ( M.O.V. ) after my original dispute.

Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under 611 ( a ) ( 1 ) ( A ) of the FCRA, a consumer reporting agency must complete a reasonable reinvestigation within 30 days of receiving a dispute. The statute is explicit : " ... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ... '' You each exceeded this statutory period : TransUnion : Received XX/XX/XXXX Responded XX/XX/XXXX ( XXXX  days ) Experian : Received XX/XX/XXXX Responded XX/XX/XXXX ( XXXX  days ) Equifax : XXXX XX/XX/XXXX Responded XX/XX/XXXX ( XXXX  days ) When the XXXX statutory limit is exceeded, the disputed account must be corrected. Late updates or corrections do not erase the violation because the FCRA requires timely compliance, not post-deadline fixes. 

Failure to Provide Method of Verification 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) The FCRA also mandates that when a consumer requests M.O.V. after an item is verified as accurate, the CRA must provide a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the request. 

You failed to provide this M.O.V. despite my clear request in my original dispute. This is a separate violation. 

XXXX Disputes Hold Equal Weight as Direct Disputes 623 ( a ) ( 8 ) Under 15 U.S.C. 1681s-2 ( a ) ( 8 ), disputes submitted through XXXX carry the exact same legal weight as disputes mailed directly to the CRA or furnisher. You are under identical obligations to investigate, respond, and meet statutory deadlines.

Relevant Case Law Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must conduct a reasonable investigation and can not simply parrot the furnishers response.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Failure to correct inaccurate reporting creates liability.

Richardson v. Equifax Credit Info. Servs., Inc. , 2004 WL 1614937 Exceeding the 30-day period requires deletion. 

Demand for Immediate Action Correct the XXXX  XXXX account to reflect Paid as Agreed/ Never Late for all months currently showing derogatory or late payment history, as continued reporting of such information after statutory violations is inaccurate and unlawful. 

If you refuse to correct, I am again demanding a full Method of Verification within 15 days of receipt of this letter not 30.

This M.O.V. must include the exact documentary evidence from the furnisher that you relied upon, and the name, contact information, and position of the person who verified the information. Generic verified with furnisher responses are not compliant. 
Provide full written confirmation of the correction or the requested M.O.V.

Preservation of Rights This notice preserves my right to pursue damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), including statutory damages, actual damages, punitive damages, and attorneys fees. Continued reporting of this account in violation of the FCRA will be treated as ongoing harm. 

You are hereby put on notice that late compliance, after statutory deadlines, is not acceptable under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief