Consumer complaint received 2025-08-07 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 XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To : Experian, Equifax XXXX TransUnion Dispute Departments Subject : FINAL Dispute Notice Untimely Investigation, Failure to Provide Method of Verification, and Demand for Deletion or Update to Paid On Time Account in Dispute : XXXX | Acct # XXXX Original Creditor : Sunrise Banks c/o Self XXXX XXXX XXXX XXXX It XXXX Concern, This letter serves as a FINAL NOTICE regarding my prior dispute submitted on XX/XX/XXXX concerning the above-referenced tradeline. Experian Equifax and TransUnion failed to respond within the XXXX statutory window, and neither has provided the Method of Verification ( MOV ) as required by federal law. These are clear violations of the Fair Credit Reporting Act ( FCRA ), and I am now demanding immediate deletion of the account OR full correction to reflect on-time payment history.

1. Violation of FCRA 611 ( a ) ( 1 ) ( A ) Failure to Complete Reinvestigation in 30 Days TransUnion Received my dispute on XX/XX/XXXX and did not respond until XX/XX/XXXX, a total of 47 days. Your late response violates the FCRA and renders the account unverified and ineligible for continued reporting. Your update marked the account as XXXXXXXX XXXX XXXX XXXX-UPDATED without conducting a lawful reinvestigation within the XXXX window. 

Equifax Received my dispute on XX/XX/XXXX and responded on XX/XX/XXXX 35 days later, again exceeding the legal time frame under FCRA. Equifax stated the account was updated, including changes to scheduled payment, delinquency date, account history, and payment status. However, this update was made after the 30-day deadline, making it legally irrelevant.

Under FCRA 611 ( a ) ( 1 ) ( A ), information not verified within 30 days must be deleted. No extensions apply here, as the dispute was complete and properly submitted, including full documentation ( ID + bank statement ).

Experian Violations Summary : Failure to Respond to Dispute Within 30 Days : Experian failed to respond to the formal dispute submitted via the CFPB portal on XX/XX/XXXX, as of the date of this complaint. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates a reinvestigation be completed within 30 days of receiving notice of a dispute.

Duplicate Filing Acknowledgment Without Action : Experian failed to respond to submission. This indicates willful neglect or mishandling of the dispute process, showing a pattern of noncompliance with the FCRA.

Failure to Provide Method of Verification ( MOV ) : As per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), upon request, a CRA must provide a description of the procedure used to determine the accuracy and completeness of the disputed information. Experian failed to furnish this MOV after being explicitly asked in the formal dispute.

Reckless Disregard of Consumer Rights ( Willful Noncompliance ) : The continued failure to respond, coupled with Experians knowledge of multiple dispute submissions, supports a claim of willful noncompliance under 15 U.S.C. 1681n, which entitles the consumer to statutory damages, punitive damages, and attorney 's fees.

2. Violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) No Method of Verification Provided In my original dispute, I explicitly demanded the Method of Verification ( MOV ) should either bureau verify the account.

To date, neither Experian Equifax nor TransUnion has provided : The name, address, and contact info of the verifying furnisher A detailed description of the procedure used Any documentation or evidence used to confirm the accounts accuracy Your failure to provide this MOV is a direct and ongoing violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). 

XXXX. XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) This case law confirms that XXXX XXXX XXXX ( CRAs ) are obligated to conduct an independent and reasonable investigation, not merely rely on the word of the furnisher. 
Experian Equifax and TransUnion failed to verify the accuracy of the reporting, yet continue to publish this damaging information in willful disregard of their obligations under FCRA. 

XXXX. Other Applicable Legal Precedents XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Establishes that unverified or inaccurate reporting must be removed when not properly investigated. 
XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Confirms that continued reporting of inconsistent or unverifiable data is a willful violation of the FCRA XXXX 

XXXX. FCRA XXXX ( b ) Maximum Possible Accuracy The tradeline from XXXX continues to report factually inconsistent data across bureaus. For example : Varying dates of last activity Conflicting late payment history Discrepancies in payment percentages and reporting duration These are factual inaccuracies that violate your obligation under FCRA XXXX ( b ) to maintain maximum possible accuracy. 

XXXX. Clarification on Dispute Submission via CFPB Portal Your prior communications suggested that disputes submitted through the Consumer Financial Protection Bureau ( CFPB ) may not trigger the same obligations as direct mail or online disputes.

This is legally incorrect. FCRA 611 ( a ) makes no distinction between the medium used. Disputes submitted through CFPB.gov carry the same legal force and require the same compliance under the FCRA.

7. Demands & Legal Compliance Options You now have 15 calendar days from the receipt of this notice to do one of the following : -Option A Immediate Deletion : Permanently delete the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX due to your failure to meet FCRA XXXX and failure to verify. 

XXXX XXXX XXXX Correction : Update the tradeline to reflect 100 % on-time payment history and remove any reference to delinquencies or inconsistencies. 

-Option C Full Method of Verification : If you insist on continuing to report this account, you must provide the complete MOV, including : Name, mailing address, and contact number of the verifying furnisher Exact documents reviewed Detailed procedures used in the verification process If you can not produce this within 15 days, federal law requires deletion. 

8. Supporting Documentation Attached -Copy of state-issued ID -Proof of address ( bank statement ) -Screenshots of inconsistent reporting -Prior dispute communications This letter is being submitted again through CFPB.gov and will be retained for legal and regulatory purposes. Failure to comply will result in complaints being filed with : -The Consumer Financial Protection Bureau ( CFPB ) -The Federal Trade Commission ( FTC ) -The New York Attorney Generals Office Private legal action under FCRA 1681n and 1681o for statutory and actual damages Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX

Company response to consumer: Closed with non-monetary relief