Consumer complaint received 2025-08-04 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:
To : Experian, Equifax, TransUnion From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  NY XXXX Phone : XXXX Email : XXXX Date : XXXX Subject : Final Notice Failure to Respond Within XXXX  Days | FCRA Violation | Demand for Deletion & MOV Disputed Account : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Recap & Legal Basis for Dispute On XX/XX/year>, I submitted a formal dispute via XXXX, which is legally equivalent to a direct dispute, as permitted by FCRA XXXX XXXX a ) ( XXXX ) ( D ). The dispute was addressed to Experian, Equifax, and TransUnion, clearly outlining XXXX ( XXXX ) material inconsistencies on the above-referenced account, including but not limited to : Contradictory account opening dates Conflicting high credit, credit limit, and last payment data Inconsistent comments/statuses regarding charge-off and sale Different payment histories and activity dates among all XXXX bureaus Lack of unified or verifiable XXXX-Year Payment History Incomplete reporting under FCRA XXXX ( b ) requiring maximum possible XXXX Violations by the Credit Bureaus Under FCRA XXXX ( a ) XXXX XXXX XXXX XXXX A ), each credit reporting agency is required to complete reinvestigation of disputes within XXXX  days of receipt, unless additional documentation is submitted later, which was not the case here. 

TransUnion received this dispute on XX/XX/year> and responded after the XXXX period with Verified as reported without documentation. 

Equifax also received the dispute on XX/XX/year> and responded XX/XX/year> ( XXXX  days later ). 

Experian received it on XX/XX/year> and responded on XX/XX/year> ( XXXX  days later ). 
All XXXX agencies violated the FCRAs XXXX requirement, failing to complete their reinvestigation and notify me within the statutory deadline. 

Additionally, their vague verified responses are non-compliant with FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) and XXXX ( a ) ( XXXX ) which require that, upon verification, they must provide the Method of Verification ( MOV ) if requested. 

Demand for Immediate Action I now formally request the removal of this XXXX/XXXX  account from my credit file based on : Your failure to respond within XXXX  days as required by FCRA XXXX ( a ) ( XXXX ) ( A ) Lack of evidence and MOV documentation from the original furnisher Continued reporting of inaccurate and inconsistent data, in violation of FCRA XXXX ( b ) I Also Request the Following Immediately ( as required by FCRA XXXX ( a ) ( XXXX ) ) : A full Method of Verification ( MOV ) report for this account, including : -Name, phone, and address of the data furnisher Internal verification procedures used All documentation used to verify the account, including signed contracts, billing statements, and proof of responsibility Legal Backing FCRA XXXX ( a ) ( XXXX ) ( A ) : XXXX reinvestigation requirement FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : Right to a statement of results FCRA XXXX ( a ) ( XXXX ) : Right to MOV upon request FCRA XXXX ( b ) : Obligation to maintain maximum possible accuracy FCRA XXXX ( a ) XXXX XXXX ) ( D ) : CFPB-filed disputes are equivalent to written disputes FCRA XXXX & XXXX : Willful and negligent noncompliance entitles me to statutory damages, actual damages, court costs, and attorneys fees Final Notice If this account is not removed immediately or if full Method of Verification is not provided within XXXX calendar days, I will escalate this matter by filing a formal complaint with : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX New York XXXX Attorney General -Pursuing legal action under FCRA XXXX and XXXX This is your final opportunity to rectify this noncompliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief