Consumer complaint received 2025-08-13 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Failure to Respond Within Statutory Timeframe / Failure to Provide Method of Verification Account Name : XXXX XXXX  XXXX  Account Number : XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

To Whom It May Concern, This letter serves as a formal Notice of Violation under the Fair Credit Reporting Act ( FCRA ) regarding my prior written dispute, sent to all three consumer reporting agencies on XX/XX/XXXX, concerning the above-referenced account. 

The FCRA is clear under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) a consumer reporting agency must complete a reinvestigation within 30 days of receiving a dispute. If the investigation can not be completed within that timeframe, the disputed information must be deleted per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Timeline of Non-Compliance TransUnion Received XX/XX/XXXX No response to date. 
Equifax Received XX/XX/XXXX Responded XX/XX/XXXX ( 35 days after receipt ) without providing the Method of Verification ( MOV ) I explicitly requested. 
Experian Received XX/XX/XXXX No response to date. 

These failures constitute : Failure to respond within the statutory 30-day timeframe violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failure to delete unverifiable information violating 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to provide Method of Verification upon request violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The law is not ambiguous when the 30-day reinvestigation period is exceeded, the item must be deleted. There is no legal provision allowing a CRA to update, cure, or fix the account after the 30-day limit has expired.

CFPB Complaints Hold Equal Weight Additionally, CFPB-filed disputes are governed by the same FCRA provisions as direct disputes. Under 15 U.S.C. 1681i ( a ), there is no distinction in the law between disputes sent directly to the CRA by the consumer and disputes submitted through the CFPB portal. Both require the same reinvestigation standards and timelines. 

Case Law Support XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must conduct a reasonable reinvestigation and can not rely solely on automated or superficial verification. 
XXXX v. Equifax, XXXX XXXX. Conflicting data across bureaus constitutes inaccuracy under the FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Information can be inaccurate if it is misleading in a way that could impact creditworthiness. 

Demand for Immediate Action Given your failure to comply with the FCRA, you are required to : Delete this account immediately from my credit report.

If you refuse to delete it and instead verify it, provide the full Method of Verification including the name of the individual who verified it, the exact documentation reviewed, and the date of verification within 15 days of such verification, not 30.

Failure to comply will result in formal complaints to the CFPB, FTC, and state regulators, as well as consideration of civil litigation under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Enclosures : Copy of State ID Copy of W-2 Screenshots of prior dispute and delivery confirmations Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation