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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX | SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian Information Solutions Inc. XXXX XXXXXXXX XXXX, XXXX, TX XXXX Subject : FCRA Violation Notice Failure to Timely Respond & Provide Method of Verification Sprint ( Acct XXXX XXXX XXXX XXXXXXXX ) Dear TransUnion/Experian Compliance Department : I am following up on my formal dispute originally submitted on XX/XX/XXXX ( received by you on XX/XX/XXXX ) regarding the above-referenced Sprint account. This letter serves as a notice of multiple violations of the Fair Credit Reporting Act ( FCRA ) based on your handling of my dispute.

Background and Procedural Violations 1. Failure to Respond Within 30 Days FCRA 1681i ( a ) ( 1 ) ( A ) The FCRA requires that a reinvestigation be completed within 30 days from the date the dispute is received. 

TransUnion : Responded on XX/XX/XXXX 48 days after receipt. 

Experian : Responded on XX/XX/XXXX 58 days after receipt. 
The law is clear : if disputed information can not be verified within the statutory 30-day period, it must be deleted from the consumers credit file.

2. Failure to Provide Method of Verification FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Upon request, you are required to provide the Method of Verification ( MOV ) within 15 days of such a request, not 30.

I requested MOV in my original dispute, yet neither bureau has provided : 1.The name, address, and telephone number of the furnisher ; 2.The date/time of verification ; 3.Copies of the documentation relied upon ; 4.The procedure used to verify the account.

3. Improper Handling of CFPB-Submitted Dispute My dispute was filed via the CFPB portal , which does not alter or diminish your statutory obligations under the FCRA.

FCRA 1681i ( a ) ( 2 ) applies equally to disputes submitted directly or via an authorized third party, including the CFPB.

Case law makes clear that disputes from recognized channels must be treated identically to direct disputes.

4. Ongoing Reporting of an Unverified Account As of today, this XXXX account remains on my credit report with your bureau ( s ).

Equifax has complied with the law and deleted the account due to its unverifiable status.

Continuing to report disputed, unverifiable information is a willful violation of FCRA 1681e ( b ) and 1681i ( a ).

Legal Authority FCRA 1681e ( b ) Obligation to assure maximum possible accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) 30-day limit for reinvestigation.

FCRA 1681i ( a ) ( 5 ) ( A ) Unverified information must be deleted.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) MOV must be provided within 15 days of request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) CRAs must conduct an independent investigation, not simply parrot furnishers. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX inconsistencies render credit data inaccurate under the FCRA. 

XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) Failure to delete unverifiable information after the statutory period constitutes a violation. 

Demand for Immediate Action Given the above violations, I am demanding that : This XXXX account be deleted in full from my credit file with your bureau immediately. 

Written confirmation of deletion be sent within 15 calendar days of receipt of this letter.

If you refuse to delete, you must provide a full, documented Method of Verification as defined by law.

Be advised : Failure to comply will be considered willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o, entitling me to seek statutory damages, actual damages, punitive damages, attorneys fees, and court costs. I will also file updated complaints with the CFPB and FTC.

Enclosures : Copy of government-issued ID Proof of address Copies of prior dispute correspondence and bureau responses Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation