Consumer complaint received 2025-10-05 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SUBJECT : FAILURE TO COMPLETE REINVESTIGATION WITHIN 30 DAYS / FORMAL DEMAND FOR DELETION OR METHOD OF VERIFICATION Account in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This correspondence serves as a * * formal demand for deletion * * of the above-referenced Nordstrom/TD Bank account, or if verified, the full * * Method of Verification ( M.O.V. ) * * pursuant to the * * Fair Credit Reporting Act ( FCRA ) * *, 15 U.S.C. 1681 et seq. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I submitted a dispute through XXXX XXXX XXXX XXXX XXXX  challenging the accuracy and completeness of the reporting for this account. 
Each bureau received my dispute as follows : - * * TransUnion : * * XX/XX/XXXX - * * Equifax : * * XX/XX/XXXX - * * Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no bureau has provided reinvestigation results within the 30-day period mandated under * * FCRA 611 ( a ) ( 1 ) ( A ) * *.

Accordingly, this tradeline must be * * immediately deleted * * under * * 611 ( a ) ( 5 ) ( A ) * *.

If any bureau contends that the account was verified, I am invoking my right under * * 611 ( a ) ( 6 ) ( B ) ( iii ) * * to receive the * * full Method of Verification * * within * * 15 days * *.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION I FCRA 30-DAY REINVESTIGATION REQUIREMENT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * FCRA 611 ( a ) ( 1 ) ( A ) * * [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] provides : > If the completeness or accuracy of any item of information contained in a consumers file is disputed the agency shall, free of charge, conduct a reasonable reinvestigation * * before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. * * Failure to comply within the 30-day timeframe constitutes a violation of federal law.

Under * * 611 ( a ) ( 5 ) ( A ) * *, information that can not be verified must be * * deleted immediately * *. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION II CFPB.GOV DISPUTES ARE LEGALLY EQUIVALENT TO DIRECT DISPUTES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Under * * FCRA 623 ( a ) ( 8 ) * * [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ] and XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputes submitted via XXXX XXXX XXXX XXXX XXXX  are legally identical to disputes filed directly with the CRA or furnisher. 
The same obligations, reinvestigation timelines, and accuracy standards apply without exception. 
Failure to investigate or respond violates * * 611 ( a ) ( 1 ) ( A ) * * and * * 623 ( b ) * *.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION III DOCUMENTED INCONSISTENCIES AND MATERIAL INACCURACIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The XXXX XXXX XXXX XXXX XXXX XXXX account contains multiple contradictions and inaccuracies across the credit bureaus, rendering it unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX These inconsistent dates materially misrepresent the accounts activity history, violating * * 607 ( b ) * *. 
* XXXX XXXX TransUnion XXXX *, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must perform independent, reasonable investigations beyond relying on the furnisher. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - TransUnion : XXXX - Equifax : XX/XX/XXXX ( factually impossible ) - Experian : XX/XX/XXXX ( factually impossible ) Reporting impossible delinquency sequences violates * * 607 ( b ) * * and is considered materially misleading. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Contradictory reporting constitutes inaccuracy under the FCRA. 

3. * * Months Reviewed * * - TransUnion : XXXX - Equifax : XXXX - Experian : XXXX Inconsistent account durations undermine reliability and accuracy, violating * * XXXX ( b ) * *. 

XXXX. * * XXXX XXXX * * - TransUnion XXXX Equifax : {$500.00} - Experian : {$0.00} Conflicting balance data renders the tradeline unverifiable under * * 611 ( a ) ( 5 ) ( A ) * *. 

5. * * High Credit * * - TransUnion & Experian : {$350.00} - Equifax : {$0.00} Materially misleading reporting violates * * 607 ( b ) * * and FTC Staff Opinion Letter ( XXXX, XXXX ). 

6. * * Payment History * * - TransUnion : No history- Equifax : XXXX  % on-time - Experian : 0 % on-time These irreconcilable contradictions are misleading and prejudicial. 
* XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Contradictory data constitutes inaccuracy under the FCRA. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION IV APPLICABLE LAW AND CASE LAW SUPPORT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * Statutory Provisions : * * - FCRA 602 ( a ) : Purpose of ensuring fair and accurate credit reporting - FCRA 607 ( b ) : Duty to maintain maximum possible accuracy - FCRA 611 ( a ) ( 1 ) ( A ) : Mandates completion of reinvestigation within 30 days - FCRA 611 ( a ) ( 5 ) ( A ) : Requires deletion of unverifiable data - FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Grants right to Method of Verification - FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits reporting known inaccuracies - FCRA 623 ( a ) ( 8 ) : XXXX disputes carry equal legal effect * * Case Law Authorities : * * - XXXX XXXXXXXX XXXX TransUnion *, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Independent reinvestigation required. 
- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Contradictory reporting is inaccurate. 
- XXXX XXXX  v. Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX Failure to meet deadlines mandates deletion. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Misleading reporting violates the FCRA. 
- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Verification requires documentary proof.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
- -- -- - SECTION V TOO LATE TO CURE OR UPDATE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After the 30-day statutory period has lapsed, CRAs are legally prohibited from retroactively curing or updating an account to comply.

Under * * 611 ( a ) ( 5 ) ( A ) * *, the only lawful remedy for a missed deadline is * * permanent deletion * *. 
Any attempt to alter or reinsert unverifiable information constitutes * * willful noncompliance * * under * * 616 ( 15 U.S.C. 1681n ) * *.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SECTION VI FORMAL DEMAND FOR ACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. * * Immediate Deletion : * * Remove the XXXX XXXX account from all credit reports due to failure to reinvestigate within 30 days. 
2. * * If Verified : * * Provide full * * Method of Verification ( M.O.V. ) * * within 15 days, including : Furnishers name, address, and telephone number Date and method of verification Documentation relied upon in verification Failure to comply will result in formal complaints to the * * CFPB * *, * * FTC * *, and XXXX XXXX XXXXXXXX XXXX Attorney General * *, and potential civil litigation under * * FCRA 616617 * *. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation