Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint concerns a collection account reported by XXXX XXXX, with XXXX XXXX XXXX XXXX  as the original creditor. The account appears on my TransUnion, Experian, and Equifax credit reports and is being reported with conflicting, incomplete, and misleading information, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Specific Issues : Conflicting account open dates between TransUnion and the other bureaus. 

Account is actively disputed, but still being reported as Collection/Chargeoff without any proof of validation or resolution. 

No past due amount, payment history, or clear resolution outcome is provided. 

Each bureau includes a different comment, creating an inconsistent account narrative.

Balance is identical to high credit, but not clearly validated or explained.

Violations : FCRA 607 ( b ) Inaccurate and conflicting data FCRA 623 ( a ) ( 1 ) ( A ) Reporting of incomplete and inaccurate info FCRA 623 ( a ) ( 2 ) Failure to correct, update, or verify details FCRA 623 ( a ) ( 3 ) Improper handling of disputed data FCRA 611 ( a ) Unverified disputes must result in deletion FDCPA 807 ( 8 ) Misleading or false credit reporting Summary of Violations Law Violation FCRA 607 ( b ) Inaccurate open dates and inconsistent comments FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate or incomplete information FCRA 623 ( a ) ( 2 ) Failure to update account status and data fields FCRA 623 ( a ) ( 3 ) Derogatory reporting during unresolved dispute FCRA 611 ( a ) Unverified disputed items must be deleted FDCPA 807 ( 8 ) Misleading representation of collection status Inaccuracies & Violations XXXX XXXX XXXX XXXX. Conflicting Date Opened Across Bureaus TransUnion : XX/XX/year> Experian & Equifax : XX/XX/year> Violation : FCRA 607 ( b ) Must ensure maximum possible accuracy Impact : Inconsistent account open dates cause confusion in aging the debt, which affects scoring and dispute windows.

2. Account Is in Dispute Yet Still Reporting as Collection/Chargeoff All three bureaus show comments indicating the account is disputed.

Still marked Collection/Chargeoff with no validation.

Violation : FCRA 623 ( a ) ( 3 ) Furnishers must clearly mark accounts as disputed and not continue derogatory updates unless validated FCRA 611 ( a ) Unverified accounts must be removed within 30 days Impact : Continued derogatory reporting during an unresolved dispute harms the consumer 's profile and violates law.

3. No Payment History or Past Due Details Past Due : Blank Monthly Payment : Not listed Payment history : No detail Violation : FCRA 623 ( a ) ( 2 ) Information must be complete and accurate Impact : Reporting a charge-off without full payment details is considered misleading and non-compliant.

4. Comments Differ Among Bureaus TransUnion : " Disputed by consumer, meets FCRA requirements '' Experian : " Customer disputed account reported by subscriber '' Equifax : " Consumer disputes this account information. Subject has not satisfied debt. '' Violation : FCRA 607 ( b ) Narrative must be consistent across all CRAs Impact : Contradictory statements raise red flags regarding the verification process and may bias future credit decisions.

5. Balance = High Credit = {$430.00} Normally acceptable, but in context of collection reporting and dispute, this may reflect lack of proper update.

Potential Violation ( if not updated post-resolution ) : FCRA 623 ( a ) ( 2 ) Must update to reflect payments or settlement status if applicable Impact : If the account was resolved or settled in any form, it can not lawfully remain at full balance without verification.

Company response to consumer: Closed with non-monetary relief