Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Re : Failure to Reinvestigate Within XXXX  Days / Failure to Provide XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX / XXXX To the XXXX Department, I am writing regarding my formal dispute of the XXXX  account ( XXXX ) listed above. I submitted this dispute to all three credit bureaus through XXXX which under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ) is legally equivalent to a direct dispute along with supporting identification ( state ID, bank statement, and documented inaccuracies ). 

XXXX of XXXX XXXX XXXX XXXX : XXXX. TransUnion Received my dispute XX/XX/XXXX ; responded XX/XX/XXXX with XXXX  XXXX-XXXX  DISPUTE. This generic entry is not a valid investigation result and was issued well beyond the XXXX reinvestigation window required under FCRA XXXX XXXX a ) ( XXXX ). TransUnion also failed to provide the requested XXXX of XXXX within XXXX  days as mandated under FCRA XXXX ( a ) ( XXXX ). 

XXXX. Experian Received my dispute XX/XX/XXXX ; responded XX/XX/XXXX with potential fraud. This is nearly XXXX  days after receipt and does not absolve Experian of its obligation to complete the reinvestigation within XXXX  days under FCRA XXXX ( a ) ( XXXX ). If Experian believed there was potential fraud, that notice was required before the XXXX period expired, not after. Furthermore, these are the same documents I used in a separate dispute that Experian processed normally without claiming fraud, demonstrating inconsistency and selective processing. 
XXXX. Equifax Received my dispute XX/XX/XXXX ; responded XX/XX/XXXX claiming the dispute was frivolous. This was also well beyond the XXXX limit. Per FCRA XXXX ( a ) ( XXXX ), if a CRA determines a dispute to be frivolous, written notice must be provided within XXXX business days of making that determination, not after the expiration of the reinvestigation period. 

FCRA Violations : FCRA XXXX ( a ) ( XXXX ) Credit reporting agencies must reinvestigate disputed information within XXXX  days of receipt. If unable to verify, the disputed account must be deleted from the credit report. 

FCRA XXXX ( a ) ( XXXX ) Frivolous dispute notices must be sent within XXXX business days of determination, with specific reasons given. 

FCRA XXXX ( a ) ( XXXX ) Upon request, a CRA must provide the XXXX of XXXX within XXXX days of the request. All three CRAs failed to comply. 

FCRA XXXX ( b ) CRAs must maintain reasonable procedures to ensure maximum possible accuracy. 

FCRA XXXX ( A ) ( XXXX ) Accuracy in credit reporting is essential to protect consumers interests and creditworthiness. 

FCRA XXXX ( a ) ( XXXX ) Direct disputes submitted through XXXX carry the same legal weight and obligations as if submitted directly to the CRA. 

Case Law Supporting Immediate Deletion : XXXX XXXX TransUnion, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to ensure accuracy constitutes willful noncompliance. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforces the importance of complete and accurate consumer reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inaccurate reporting leading to harm is actionable. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs can not rely on unverifiable information beyond the statutory deadline. 

Legal Conclusion & Demand : The law is clear : If a CRA does not complete its reinvestigation within XXXX  days, the disputed account must be deleted from the consumers file ( FCRA XXXX ( a ) ( XXXX ) ( A ) ). 

A CRA can not cure the violation by providing results after the statutory deadline. 

A XXXX. must be provided within XXXX  days of the request ( FCRA XXXX ( a ) ( XXXX ) ). 

Since all three credit bureaus failed to meet the XXXX deadline and failed to provide the XXXX of XXXX, the XXXX account is legally mandated to be removed. 

Formal Demand : XXXX deletion of the disputed XXXX  account XXXX my credit file with all three CRAs. 

XXXX confirmation of the deletion. 

XXXX the account is not deleted, provide a full XXXX of XXXX within XXXX days as outlined in FCRA XXXX ( a ) ( XXXX ). 

Failure to comply will result in further CFPB complaints, FTC filings, and pursuit of civil remedies under FCRA XXXX and XXXX for willful and negligent noncompliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief