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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX DOB : XX/XX/XXXX Last 4 ( Social ) : XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Demand for Deletion Due to FCRA Violations : Failure to Investigate and Provide Method of Verification ( MOV ) Account in Dispute : XXXX XXXX | Acct # XXXX ( Original Creditor : XXXX XXXX XXXX ) Dear Experian and Equifax Dispute Departments, I am writing in continuation of my formal dispute filed on XX/XX/XXXX, regarding the above-referenced account. This letter serves as a demand for immediate deletion based on your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically related to : -Failure to complete reinvestigation within 30 days as required by law -Failure to provide a Method of Verification ( MOV ) as legally obligated under 15 U.S.C. 1681i ( a ) ( 7 ) Ongoing reporting of materially inconsistent, unverifiable, and incomplete account data 1. Statutory Violations and Reinforcement of My Rights FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] Credit reporting agencies must complete a reinvestigation within 30 days of receipt of the dispute. 

Experian received my dispute on XX/XX/XXXX and responded on XX/XX/XXXX exceeding the 30-day limit by nearly 60 days. 

Equifax received my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, which is past the statutory deadline. 
FCRA 611 ( a ) ( 7 ) I am entitled to a Method of Verification if the account is not deleted. 

Experian has refused to provide this in its XX/XX/XXXX response, despite verifying the disputed information. 

Equifax did not process the dispute at all under the guise of identity verification, despite having already verified my identity using the exact same documents in previous disputes. This constitutes a clear bad-faith delay tactic. 

FCRA 607 ( b ) requires you to maintain procedures to ensure the maximum possible accuracy of the information you report. The conflicting and incomplete information reported on this tradeline fails this legal standard. 

FCRA 602 ( A ) affirms that consumers deserve accurate and fair reporting which can not coexist with incomplete, outdated, and unverifiable data across different agencies. 

2. Legal Precedents That Apply -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reinforces your obligation to go beyond mere parroted verification from furnishers and conduct a reasonable investigation, producing actual documentation if requested. 

XXXX XXXX Equifax XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) : A credit bureau can not lawfully delay investigation by raising identity concerns after the statutory 30-day window has closed, especially when it previously accepted the same documents. 

3. CFPB Disputes Are Not Legally Distinct from Direct Disputes Per the FCRA, disputes submitted via the CFPB portaXXXX are no different than those submitted directly. Any delay or noncompliance on that basis is unlawful. 

Quote for clarity : " A consumer reporting agency shall reinvestigate free of charge within 30 days of receiving notice of the dispute from a consumer or a reseller or through a Federal agency, including the Consumer Financial Protection Bureau. '' 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You are required by law to treat all CFPB-submitted disputes with equal urgency and legal responsibility. 

4. My Formal Demand Given that : You failed to verify this account within the 30-day deadline You failed to provide Method of Verification as required by law You are continuing to report an account that is inconsistent, incomplete, and unverifiable I am demanding the following : -Permanent deletion of the XXXX XXXX | XXXX XXXX account from both Experian and Equifax credit reports XXXX 

-If not deleted, Experian must provide full Method of Verification, including : -The name and address of the party that verified the information -The method used for verification -Copies of any original documents relied upon, as required by XXXXXXXX XXXX XXXX  XXXX XXXX Supporting Documentation Reaffirmed You already received the following supporting documents on XX/XX/XXXX : Government-issued ID Bank statement showing current address You accepted these documents previously, and your attempt to disqualify them now is both baseless and legally indefensible.

6. Final Notice of Intent If you do not delete this account immediately, I will proceed with : Filing formal complaints with the CFPB, FTC, and North Carolina -- Attorney General -Civil litigation seeking statutory and punitive damages for violations of the FCRA Continued tracking of this matter via the CFPB.gov dispute portal, where this case is now escalated and under review It is too late to verify, cure, or fix this reporting your statutory window has closed. This account must be deleted. 
Thank you for your immediate and lawful attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation