Consumer complaint received 2025-05-30 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 XXXX DOB : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date : XX/XX/XXXX Account in Dispute : Debt Collector : XXXX XXXX XXXX Alternate Names Listed : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Balance : {$400.00} FINAL DEMAND FOR IMMEDIATE DELETION NO RESPONSE WITHIN 30-DAY PERIOD This letter serves as a final demand pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am notifying all three credit bureausTransUnion, Experian, and Equifaxthat the 30-day statutory period for reinvestigation and verification of the above-referenced account has now expired, and you have failed to verify or fully respond in accordance with federal law. 

Background : On XX/XX/XXXX, I submitted formal disputes to all three credit bureaus via the Consumer Financial Protection Bureau ( CFPB ) regarding multiple serious and material inaccuracies on the above-referenced account. 
TransUnion confirmed receipt on XX/XX/XXXX, Experian on XX/XX/XXXX, and Equifax on XX/XX/XXXX. 

Equifaxs only reply was a generic identity verification letter on XXXX XXXX XXXX31 days after the dispute, and well past the legal 30-day limit.

Neither TransUnion nor Experian has provided any response or investigation results as required by law.

Legal Violations : Violation of FCRA 611 ( a ) ( 1 ) ( A ) : Each CRA is required to conduct a reinvestigation of disputed information within 30 calendar days. Failure to respond within 30 days renders the account unverified and subject to deletion.

Violation of FCRA 611 ( a ) ( 6 ) : You are required to provide written results of the reinvestigation within 5 business days of completion. To date, no such results have been provided by any of the CRAs.

Violation of FCRA 611 ( a ) ( 7 ) Method of Verification ( MOV ) : A formal Method of Verification was requested. You failed to produce : The name of the entity who verified the information The manner in which it was verified Documentary evidence relied upon This is a statutory obligation under the FCRA, and failure to comply is a clear violation.

Violation of FCRA 607 ( b ) Maximum Possible Accuracy : The account displays conflicting names, statuses, balances, payment histories, and account types across all three bureaus. This lack of consistency is inherently inaccurate and misleading, and violates your duty to report with the maximum possible accuracy.

Violation of FCRA 609 ( a ) ( 1 ) Access to Information : You failed to provide full disclosure of the original creditor, account opening details, and source documentation, despite my lawful request. This violates my right to access complete file information.

Violation of FDCPA 809 ( b ) Debt Validation : No debt validation documentation was provided, including : A signed contract with the original creditor Chain of title documents ( proof of ownership ) Itemized billing statements New York collection license for Portfolio Recovery Associates Relevant Case Law Supporting Deletion for Failure to Verify : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must go beyond the original creditor 's word and perform an independent investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : A CRA must correct or delete information if the source can not verify its accuracy. 

XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : Failure to verify disputed information within the statutory period requires deletion. 

XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ) : Reinsertion or continuation of unverifiable accounts without new documentation is unlawful. 

XXXX v. Equifax, XXXX XXXX XXXX ( C.D. XXXX. XXXX ) : Failure to respond to a MOV request constitutes a separate FCRA violation.

Final Demands : Immediate Deletion of Account : You have exceeded the 30-day statutory limit. You are now legally barred from continuing to report this account unless new and verified documentation is produced, which has not occurred. You must delete this account in its entirety from all credit files within 7 calendar days of receiving this notice.

Written Confirmation : Provide a written statement confirming deletion and an updated copy of my credit report as required by FCRA 611 ( a ) ( 6 ).

Preservation of Rights : Should you fail to comply, I will have no choice but to pursue formal legal action for statutory damages under FCRA 616, FCRA 617, and FDCPA 813, including claims for : Actual damages Statutory damages Attorneys fees Punitive damages where applicable Deadline for Compliance : You have seven ( 7 ) calendar days from the date of receipt of this letter to comply. If this account is not permanently deleted by that time, I will initiate complaints with the Consumer Financial Protection Bureau, FTC, New York State Attorney General, and consider civil litigation for willful and negligent noncompliance with federal law.

Enclosures for Verification and Record : Enclosed are the following documents to support and verify my identity, address, and dispute history : State-Issued Identification for identity verification.

W-2 Form for proof of current address. 
Copies of Disputes Submitted to XXXX confirming that formal disputes were sent to Experian, Equifax, and TransUnion on XX/XX/XXXX. 
These documents satisfy the verification requirements under the FCRA and fulfill any reasonable request for identification. No further delay is justifiable under the law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief