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 for XXXX XXXX originally provided by XXXX XXXX. The account appears on my TransUnion and Experian credit reports, and is listed as Collection/Chargeoff. However, this account is being reported with significant inaccuracies, contradictions, and without proper validation following a dispute which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Issues Identified : Conflicting open dates between TransUnion and Experian Account marked as a charge-off but no past-due information is included Balance of {$500.00} is still reported, despite a previous dispute marked resolved, but without showing validation evidence Missing payment history and resolution details Conflicting narrative comments between TransUnion and Experian Violations Committed : FCRA XXXX ( b ) Inconsistent and incomplete reporting FCRA XXXX ( a XXXX ( XXXX ) ( A ) Known inaccurate or incomplete information being furnished FCRA XXXX ( a ) ( XXXX ) Failure to correct or update account details FCRA XXXX ( a ) Disputed account must be deleted if not fully verified within XXXX days FDCPA XXXX ( XXXX ) Misleading representation of debt collection status Inaccuracies & Violations XXXX. XXXX XXXX Account XXXX. Conflicting Open Dates TransUnion : XX/XX/year> Experian : XX/XX/year> Violation : FCRA XXXX ( b ) Credit reporting must ensure maximum possible accuracy. 
Impact : Even small inconsistencies can affect credit scoring and account age calculation. 

XXXX. Status Listed as Collection/Chargeoff With No Past Due Reporting Payment Status : Collection/Chargeoff Past Due : Not reported Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishers must report accurate and complete data FDCPA XXXX ( XXXX ) Misleading to show a charge-off with no past-due indication Impact : Showing charge-off but omitting delinquency data distorts the account status and impacts underwriting decisions. 

XXXX. Balance Still Reporting Post-Dispute Without Validation Balance : {$500.00} Comments : Dispute resolved; reported by grantor Violation : FCRA XXXX ( a ) If a dispute is not verified with evidence within XXXX days, the item must be deleted Impact : If XXXX. XXXX did not provide proper documentation verifying the debt, this account should not be allowed to continue reporting. 

XXXX. No Payment History or Resolution Info No monthly history of payments, attempts, or resolution just Collection/Chargeoff Violation : FCRA XXXX ( a ) ( XXXX ) Incomplete and outdated reporting Impact : Reporting a debt without historical context violates completeness under FCRA and can unfairly damage a consumers profile. 

XXXX. Different Comments Between Bureaus TransUnion : Dispute resolved; reported by grantor Experian : Account was in dispute now resolved reported by subscriber Violation : FCRA XXXX ( b ) Reporting language and status must be consistent across bureaus Impact : Different resolutions suggest either lack of verification or improper handling of dispute processes.

Company response to consumer: Closed with explanation