Consumer complaint received 2025-08-15 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: CT

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Failure to Respond Within XXXX  Days / Failure to Provide Method of Verification XXXX XXXX Account Account Name : XXXX XXXX  Account Number ( partial ) : XXXX Consumer : XXXX XXXX Dear Credit Bureau Representative , This is a formal notice of violation under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611, and 623. You have failed to complete your reinvestigation and respond within the statutory XXXX period, and you have failed to provide the Method of Verification ( M.O.V. ) as lawfully requested. 

Background On XX/XX/XXXX, I submitted a dispute via XXXX regarding inaccurate late payment reporting and reporting inconsistencies on my XXXX XXXX account. This dispute included all required identifying documentation ( government ID and bank statement ) and demanded removal of false late payments, correction of reporting errors, and, if verified, provision of the XXXX. 
XXXX disputes hold the same legal weight as direct disputes under FCRA 623 ( a ) ( 8 ) and 611 ( a ) and must be treated identically in terms of investigation timelines and duties. 

Your Failures TransUnion Dispute received : XX/XX/XXXX Response : XX/XX/XXXX ( BEST BUY/CBNA ACTIVE DISPUTE ) Violation : FCRA 611 ( a ) ( 1 ) ( A ) mandates completion of reinvestigation within 30 days. This was exceeded. The ACTIVE DISPUTE notation is not a lawful final investigation result per 611 ( a ) ( 5 ) ( A ). 
Violation : No M.O.V. provided despite explicit request in original dispute, violating 611 ( a ) ( 6 ) ( B ) ( iii ). 

Equifax Dispute received : XX/XX/XXXX XXXX : XX/XX/XXXX ( request for identity verification ) All identifying documents were attached to original dispute. 
Violation : FCRA does not permit extension beyond XXXX days for unnecessary identity verification requests where documentation was already provided. 611 ( a ) ( 1 ) still requires completion within XXXX  days. You failed to respond with completed results in time. 

Experian Dispute received : XX/XX/XXXX Response : XX/XX/XXXX ( Potential Fraud ) Violation : If deemed fraud-related, notice must be sent within the XXXX investigation period. Responding after XXXX days violates 611 ( a ) ( 1 ).

Law Cited FCRA 611 ( a ) ( 1 ) ( A ) Requires completion of reinvestigation within XXXX  days of receipt of dispute. 
FCRA 611 ( a ) ( 5 ) ( A ) If disputed information can not be verified within that period, it must be deleted from the file.

FCRA 623 ( a ) ( 8 ) Disputes submitted through XXXX or other consumer agencies are treated the same as direct disputes to a CRA. 
FCRA 607 ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Upon verification, CRAs must provide the Method of Verification upon request, including the contact information of the furnisher.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report information they know or reasonably should know is inaccurate.

Supporting Case Law XXXX XXXX TransUnion XXXX, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must conduct an independent, reasonable investigation. 
XXXX XXXX XXXX, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Failure to remove unverified information creates liability. 
XXXX v. Equifax Credit Info. Servs., 2004 WL 862200 Failure to respond within statutory timeframes requires deletion.

Demand for Immediate Action The XXXX statutory window has expired for all three CRAs. It is too late to verify, update, or cure this account. 

The XXXX XXXX account must be updated to Pays As Agreed with 100 % on-time payment history and all false late payments removed. 

If you choose to verify this account despite the statutory expiration, you must provide the M.O.V. within XXXX  days, not XXXX, from your verification notice. 

Failure to comply will result in complaints to the CFPB, FTC, and possible private legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation