Consumer complaint received 2025-08-10 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX XXXX XXXX XXXX Last 4 ) : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO : TransUnion LLC XXXXXXXX XXXX XXXX XXXX PA XXXXXXXX Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX TX XXXXXXXX Equifax Information Services, LLC P.O. XXXX XXXX XXXX GA XXXXXXXX Subject : Failure to Reinvestigate & Failure to Provide Method of Verification XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) FCRA Violations Dear Compliance Department, This letter serves as a formal follow-up dispute and demand for immediate deletion of the XXXX XXXX XXXX account ( Account XXXX XXXX ) from my credit file due to multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by all three credit reporting agencies ( CRAs ) during my XX/XX/XXXX disputes.

1. Timeline of Disputes & Responses TransUnion Received my dispute on XX/XX/XXXX ; responded XX/XX/XXXX ( exceeding the 30-day window in violation of FCRA 611 ( a ) ( 1 ) ( A ) ) and failed to provide the requested Method of Verification ( M.O.V. ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Equifax Received my dispute on XX/XX/XXXX ; responded XX/XX/XXXX with an identity verification letter after the 30-day deadline, despite my dispute already including valid identification and proof of address ( state ID + bank statement ). This failure to process and respond within the statutory timeframe violates FCRA 611 ( a ) ( 1 ) ( A ). 

Experian Received my dispute on XX/XX/XXXX ; responded XX/XX/XXXX with a Potential Fraud notice after the 30-day deadline. If Experian suspected fraud, it was obligated under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( f ) to notify me within the reinvestigation period not after it expired.

2. Applicable FCRA Provisions Violated FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] Requires CRAs to complete a reinvestigation within 30 days of receiving a consumers dispute. Failure to meet this deadline mandates deletion of the disputed information.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Requires CRAs, upon request, to provide the Method of Verification ( including the name and contact of the furnisher and documentation used ) within 15 days of completion of reinvestigation.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Requires CRAs to maintain reasonable procedures to assure maximum possible accuracy in credit reporting.

FCRA 611 ( f ) Fraud Alerts/Disputes If potential fraud is suspected, the CRA must follow identity verification rules and can not delay compliance with other provisions beyond statutory deadlines.

FCRA 602 ( A ) ( 1 ) Emphasizes the critical importance of accurate and fair reporting.

3. Supporting Case XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must go beyond parroting furnishers data ; they must conduct a reasonable investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) Inaccurate or inconsistent reporting violates FCRA accuracy requirements. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Even technically accurate information that misleads is considered inaccurate under the FCRA. 

XXXX v. TransUnion, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) Willful noncompliance can be found when CRAs fail to ensure accurate, consistent reporting.

4. CFPB.gov Disputes Are Governed by Same Laws as Direct Disputes Pursuant to FCRA 611 ( a ) ( 1 ) ( A ) and CFPB regulatory interpretation, disputes submitted via CFPB.gov are treated as direct consumer disputes and CRAs remain fully bound by the 30-day reinvestigation deadline and M.O.V. obligations. The CRA can not evade statutory timelines based on the disputes point of submission.

5. Demand for Immediate Action Because each CRA : Failed to complete the reinvestigation within the statutory 30-day period, Failed to provide the Method of Verification within 15 days of reinvestigation completion, and Failed to process the dispute despite having sufficient identifying documents, you are now legally obligated under FCRA 611 ( a ) ( 5 ) ( A ) to delete the disputed XXXX XXXX XXXX account from my credit file. 
If you do not delete this account immediately, you must : Provide the complete Method of Verification ( as defined in 611 ( a ) ( 6 ) ( B ) ( iii ) ) for each disputed data point, and Provide written proof that your reinvestigation was completed within the legal timeframe which, based on your own response dates, is impossible.

6. Notice of Intent Failure to comply will result in : Formal complaints to the Consumer Financial Protection Bureau ( CFPB ) Complaints to my state Attorney General Potential legal action seeking statutory damages under FCRA 616 and 617 for willful and negligent noncompliance Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief