Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
Formal Notice of Failure to Respond Within 30 Days and Failure to Provide Method of Verification Date : XX/XX/XXXX From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Failure to Respond Within 30 Days / Failure to Provide Method of Verification Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct. No. XXXX Background On XX/XX/XXXX, I submitted a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] regarding the above-referenced account. That dispute clearly demanded reinvestigation and, if verified, the full Method of Verification ( M.O.V. ) under 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ). 

TransUnion received my dispute on XX/XX/XXXX and responded on XX/XX/XXXX ( 43 days later ). The response was generic ( XXXX XXXX XXXX XXXX UPDATED ), beyond the 30-day limit, and failed to provide M.O.V. 

Equifax received my dispute on XX/XX/XXXX and responded within 30 days, but its verified as accurate statement failed to provide the M.O.V. requested in the initial dispute. 

Experian received my dispute on XX/XX/XXXX and responded on XX/XX/XXXX ( 56 days later ). The response was generic and failed to provide the M.O.V. 

Each bureau is in violation of the FCRA. By law, CRAs have 30 days to complete a reinvestigation. If they fail to do so, the account must be deleted. 
Applicable Law and Violations FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] CRAs must conduct a reinvestigation within 30 days of receiving a dispute.

FCRA 611 ( a ) ( 6 ) ( A ) The CRA must provide the written results of reinvestigation not later than 30 days after receiving the dispute.

FCRA 611 ( a ) ( 5 ) ( A ) If the information disputed can not be verified within 30 days, it must be deleted.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) If information is verified as accurate, the CRA must provide a Method of Verification, including : The furnishers name, address, and telephone number The exact records relied upon FCRA 611 ( a ) ( 7 ) Consumers have the right to request and receive M.O.V. within 15 days ( not 30 ) after verification.

FCRA 623 ( a ) ( 1 ) ( A ) A furnisher shall not furnish information it knows or should know is inaccurate.

FCRA 607 ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy.

Case Law : Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must conduct independent investigations. 
Richardson v. Equifax, 2004 WL 862200 If unverifiable within 30 days, information must be deleted.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Liability attaches when unverifiable data is reported.

Stevenson v. TRW, 987 F.2d 288 ( 5th Cir. 1993 ) Failure to reinvestigate in compliance with FCRA creates liability.

CFPB.gov Disputes Carry Equal Weight Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through the CFPB.gov portal must be treated with the same legal effect as disputes submitted directly to a CRA or furnisher. Your obligations remain unchanged. 

Demand for Immediate Action Immediate Deletion : Because the statutory 30-day deadline has been exceeded, the law requires that this account be deleted. Updating, curing, or modifying the entry after the 30-day period is not legally permissible.

M.O.V. Required : If you refuse deletion and continue to report this account, I again demand the full Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ). This must be provided within 15 days of verification notice.

Written Confirmation : Provide confirmation of deletion or the full M.O.V. without delay.

Deadlines 30 days Already violated ; reinvestigation is overdue, requiring deletion.

15 days M.O.V. must be supplied if you continue to report this account. 

Preservation of Rights I reserve the right to escalate this matter through the CFPB, FTC, New York Attorney General, and private civil litigation for statutory damages, actual damages, punitive damages, and attorneys fees under FCRA 616617. 

This is a formal notice of your ongoing violations of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation