Consumer complaint received 2025-06-05 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 addresses XXXX XXXX XXXX, reporting a collection account from XXXX XXXX  to Experian. The account contains numerous factual inaccuracies, unresolved dispute comments, and missing validation details, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : The account is marked Collection/Chargeoff despite the consumer 's continued dispute violating FCRA 623 ( a ) ( 3 ).

No monthly payment, past due, or payment history is reported, making the debt structurally incomplete.

The balance and high credit are close, but no explanation is provided for lack of payment updates or validation.

The date of last payment is missing, which is critical for determining whether the debt qualifies for time-barred removal.

The consumer disagrees with the resolution, yet the account is being treated as verified and still derogatory this violates 611 ( a ).

Inaccuracies & Violations XXXX XXXX XXXX XXXX XXXX XXXX  ) 1. Disputed Account Still Reporting as Collection/Chargeoff Comments : Subscriber reports dispute resolved consumer disagrees. 

Status : Still listed as Collection/Chargeoff Violations : FCRA 623 ( a ) ( 3 ) If a dispute is unresolved or consumer disagrees, the furnisher must not continue derogatory updates without proper verification FCRA 611 ( a ) If the account can not be verified, it must be deleted Impact : Reporting the account as charged off despite ongoing dispute is misleading and non-compliant.

2. Missing Key Data Fields No Monthly Payment, Past Due, Credit Limit, or Payment History Violations : FCRA 607 ( b ) Furnishers and CRAs must ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Data thats materially incomplete is considered inaccurate Impact : Incomplete data affects scoring models and can not be verified or properly challenged.

3. Balance and High Credit Are Close But Not Explained Balance : {$2700.00} High Credit : {$2800.00} Potential Violation : If a portion has been paid, settled, or returned, reporting the full balance can be misleading under : FDCPA 807 ( 2 ) ( A ) Misrepresenting the amount of the debt Impact : No payment history + no update = unverifiable balance figure.

4. Date of Last Payment Missing Only the open and last active dates are listed ( both are XX/XX/year>2021 ) Violation : FCRA 607 ( b ) Missing last payment data makes it impossible to calculate accurate delinquency timelines Impact : If the last payment was before XX/XX/year>2021, the account may be eligible for early obsolescence removal under FCRA 605 ( a ). 

Summary of Violations Law Violation FCRA 607 ( b ) Incomplete and inaccurate account structure FCRA 623 ( a ) ( 1 ) ( A ) Reporting data known to be incomplete or outdated FCRA 623 ( a ) ( 3 ) Mishandled or unresolved consumer dispute FCRA 611 ( a ) Data not verified must be deleted after 30 days FDCPA 807 ( 2 ) ( A ) Misrepresentation of debt amount or legal status

Company response to consumer: Closed with explanation