Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX DOB : XX/XX/XXXX SSN ( Last Four ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXXXXXX 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  SUBJECT : FAILURE TO COMPLETE REINVESTIGATION WITHIN 30 DAYS / FORMAL DEMAND FOR CORRECTION OR METHOD OF VERIFICATION ( M.O.V. ) Account in Dispute : Personal Identifying Information ( Name, DOB, Address, Employer, Email, Phone ) 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  To Whom It May Concern, On XXXX XXXX XX/XX/XXXX XXXX XXXX I submitted a formal dispute via * * CFPB.gov * * regarding inaccuracies in my personal identifying information. 
Each credit bureau received the dispute as follows : - * * TransUnion : * * Received * * XX/XX/XXXXXXXX XXXX XXXX XXXX  No response as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Equifax : * * Received * * XX/XX/XXXXXXXX XXXX XXXX XXXX No response as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Experian : * * Received * * XX/XX/XXXXXXXX XXXX XXXX XXXX  No response as of XX/XX/XXXXXXXX XXXX Each bureau has violated * * FCRA 611 ( a ) ( 1 ) ( A ) * * by failing to reinvestigate and provide written results within 30 days. 
Unverified or uncorrected information must be deleted or updated immediately under * * FCRA 611 ( a ) ( 5 ) ( A ) * *.

If any bureau claims to have verified the disputed information, I hereby demand the * * Method of Verification ( M.O.V. ) * * within * * 15 days * * of receipt of this letter per * * 611 ( a ) ( 6 ) ( B ) ( iii ) * *. 

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  I. DISPUTED PERSONAL INFORMATION 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 1. Legal Name * * My correct and only legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please delete or update any other name variations appearing in my credit file ( including abbreviations, misspellings, or middle initial omissions ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy correct date of birth is XXXX XXXX XXXX XXXX XXXX 
Any other date of birth variations must be immediately corrected or removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXy current and only accurate address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXXXXXX XXXX XXXX  Remove all other addresses, prior addresses, or typographical variations. I have never resided elsewhere. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXy current employer is XXXX XXXX XXXX XXXX XXXX XXXX 
Remove all incorrect, outdated, or misspelled employer names. 

* * 5. Email Address * * My correct email address is XXXX XXXX XXXX XXXX XXXX 
Delete any other email addresses listed on my file. 

* * 6. Phone Number * * My correct phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Remove any additional or outdated numbers from my credit report. 

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 II. LEGAL AUTHORITY & REQUIREMENTS 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 FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) * * Credit bureaus must assure maximum possible accuracy of consumer file information. 
- * * FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * Requires reinvestigation of disputed information within 30 days.

- * * FCRA 611 ( a ) ( 5 ) ( A ) * * Unverifiable or inaccurate data must be deleted or corrected. 
- * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) * * Requires provision of a full Method of Verification ( M.O.V. ) within 15 days if verified.

- * * FCRA 623 ( a ) ( 1 ) ( A ) * * Furnishers must not report inaccurate or incomplete information.

- * * FCRA 623 ( a ) ( 8 ) * * Disputes filed through * * CFPB.gov * * must be treated as direct disputes, carrying equal legal weight. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. SUPPORTING CASE LAW 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  Trans Union, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  CRAs must conduct independent, reasonable investigations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contradictory or incomplete reporting is inaccurate. 
XXXX XXXX XXXX XXXXXXXX XXXX. Equifax, XXXX XXXX XXXX XXXX XXXX  Failure to reinvestigate within statutory deadlines requires deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verification requires documented evidence, not assumption. 
XXXX XXXX XXXX FTC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to ensure accuracy constitutes a willful FCRA violation. 

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. DEMAND FOR ACTION 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 Immediate Correction or Deletion * * All inaccurate, incomplete, or unverified personal information must be corrected to reflect : - Name : XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX XXXX XXXX  - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX  - Employer : XXXX XXXX XXXX XXXX  - Email : XXXX XXXX  * - Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If Verified, Provide Full Method of Verification ( M.O.V. ) * * Within * * 15 days * *, provide : - Name, address, and contact information of all furnishers or data sources used to verify the information. 
- Copies of any documentation reviewed to substantiate the verified data. 

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  V. PRESERVATION OF RIGHTS 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  This letter serves as a formal preservation notice. Retain all records, ACDV/e-OSCAR transmissions, and supporting notes used in the handling of this dispute. 
Continued noncompliance will result in escalation to the XXXX XXXX CFPB XXXX XXXX XXXX XXXX  FTC XXXX XXXX and potential legal action under * * 15 U.S.C. 616617 * * for statutory and actual damages, as well as attorneys fees and injunctive relief. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation