Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy, completeness, and legality of a collection account being reported by XXXX XXXX on my credit report. After reviewing the entry, I have identified several serious discrepancies that violate federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and, potentially, the Fair Debt Collection Practices Act ( FDCPA ). Based on these violations, I am formally requesting that this account be deleted from my credit file. 

The account in question lists a reported balance of {$1200.00} and reflects an open date of XX/XX/year>. It is marked as a collection account as of XX/XX/year> and is scheduled to remain on file until XX/XX/year>. However, the manner in which this account is being reported raises multiple compliance issues. 

First, the account is incomplete and unverifiable, in violation of 15 U.S.C. 1681i. There is no record of monthly payment terms, no clear original balance, and no full payment history. The terms are vaguely listed as only 1 Month, which is not consistent with typical contract terms for an installment or service account. The absence of this basic information makes it impossible to determine the legitimacy or accuracy of the debt. Without complete documentation, including a signed agreement and full account history, this item can not be verified and, under the FCRA, must be removed from my file. 

Second, the reporting itself fails to meet the FCRAs accuracy and integrity standards, outlined in 15 U.S.C. 1681e ( b ). The law requires credit bureaus to maintain only information that is complete and accurate to the maximum extent possible. However, this XXXX XXXX account appears to be reported in a misleading and inconsistent manner, with conflicting dates and an unusual one-month term. This kind of vague reporting undermines the integrity of the data and contributes to an unfair and deceptive portrayal of my credit profile. 

Third, the account may be subject to misrepresentation under the FCRAs obsolescence rules, specifically 15 U.S.C. 1681c. The account was reportedly opened in XX/XX/year> and marked as in collections just XXXX months later, in XX/XX/year>. Despite this short timeline, the account is scheduled to remain on my report until XX/XX/year>, which raises serious questions about whether the Date of First Delinquency ( DOFD ) is being reported accurately. The FCRA limits the reporting period of negative items to seven years from the DOFD, not from the date of charge-off or last update. If this account was delinquent immediately or never properly established, its extended reporting timeline is misleading and unlawful. 

Finally, if this account has been assigned or sold to a third-party debt collector, it may also violate the FDCPA under 15 U.S.C. 1692g. I have not received any debt validation or written notice regarding this collection. Without such documentation, any attempt to collect or report the debt is not only invalid, but also a direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation