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 DOB : XX/XX/XXXX | SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX Experian Information Solutions Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Failure to Respond Within 30 Days / Failure to Provide Method of Verification XXXX XXXX Account # XXXX To Whom It May Concern, On XX/XX/XXXX, I submitted a formal written dispute to TransUnion, Equifax, and Experian regarding the XXXX XXXX account ( # XXXX ) due to conflicting payment history and data inconsistencies across all three bureaus. I was not requesting deletion at that time, but correction of inaccurate late payment data to reflect an accurate 100 % on-time payment history. 

This letter is to formally notify all three bureaus that you have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) by : Failing to complete a reinvestigation within the 30-day timeframe mandated by law. 
Failing to provide a Method of Verification ( MOV ) as explicitly requested in my original dispute. 

FCRA Requirements Violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A consumer reporting agency must complete a reinvestigation within 30 days of receiving a dispute.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : If information is verified as accurate, the CRA must provide a Method of Verification upon request, includin
g : The name, address, and telephone number of the furnisher The procedure used to verify the information 15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting conflicting data ( dates, payment percentages, account type, and remarks ) violates this obligation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If disputed information can not be verified within the time period, it must be promptly deleted from the file. 

Timeline of Violations by Bureau TransUnion Dispute received : XX/XX/XXXX Response : XX/XX/XXXX 49 days later ( Violation of 1681i ( a ) ( 1 ) ( A ) ) Stated : XXXXFORE-UPDATED This is not a lawful verification under the FCRA. 
No Method of Verification provided Violation of 1681i ( a ) ( 6 ) ( B ) ( iii ) Experian Dispute received : XX/XX/XXXX Response : XX/XX/XXXX 43 days later ( Violation of 1681i ( a ) ( 1 ) ( A ) ) Stated : Potential Fraud The FCRA does not allow the 30-day period to be bypassed in this way, especially after state-issued ID and utility bill were provided. 
No Method of Verification provided Violation of 1681i ( a ) ( 6 ) ( B ) ( iii ) Equifax Dispute received : XX/XX/XXXX Response : XX/XX/XXXX 31 days later ( Violation of 1681i ( a ) ( 1 ) ( A ) ) Provided a generic investigation process description, not the legally required MOV.

Failing to provide the MOV within 15 days after verification Violation of 1681i ( a ) ( 6 ) ( B ) ( iii ) Case Law Supporting Deletion XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must do more than parrot furnishers ; they must conduct an independent investigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Conflicting internal data constitutes inaccuracy. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Material inconsistencies must be resolved or deleted. 

CFPB Complaints Governed by Same Law Pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), disputes filed through the Consumer Financial Protection Bureau are to be treated exactly the same as disputes filed directly with a CRA including the same 30-day reinvestigation requirement and 15-day MOV requirement.

Demand for Resolution The law is explicit : If disputed information can not be verified within the statutory period, it must be deleted ( 1681i ( a ) ( 5 ) ( A ) ).

If verified, a full Method of Verification must be provided within 15 days of verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ). 

I am demanding that each bureau either : 1.Immediately delete the XXXX XXXXXXXX account from my credit file, or 2.Provide a full, detailed Method of Verification including : Name, address, and telephone number of the furnisher Date of verification Detailed description of the procedure used Copies of all documents relied upon in your investigation Failure to comply will be treated as willful noncompliance under 1681n and negligent noncompliance under 1681o, and I will proceed with formal complaints to the CFPB, FTC, and legal counsel. 

Enclosures : Copy of state-issued ID Proof of address ( utility bill ) Screenshots of reporting inconsistencies Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief