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:
I am filing a complaint concerning the XXXX collection account currently reported on my Equifax credit report. This account is reported with multiple factual inaccuracies and legal violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Key Issues : Last payment is dated XX/XX/XXXX, yet the account is listed as opened on XX/XX/XXXX, which is chronologically impossible and clearly inaccurate. 

The account is reported as Late 120 Days while simultaneously marked as disputed this violates FCRA regulations for disputed data handling. 

The account shows a XXXX term, and an active balance/past-due status that appears unresolved or unvalidated. 

No other bureau is reporting this tradeline, suggesting selective or outdated reporting by the furnisher or Equifax. 

Legal Violations : FCRA 607 ( b ) Chronologically and structurally inaccurate information FCRA 623 ( a ) ( 2 ) Failure to correct outdated or inaccurate data FCRA 623 ( a ) ( 3 ) Reporting derogatory activity during an active dispute FCRA 611 ( a ) Unverified account data must be removed FDCPA 807 ( 8 ) Misleading representation of debt during collection reporting Inaccuracies & Legal Violations XXXX  ( Equifax ) 1. Inconsistent/Impossible Reporting Timeline Date Opened : XX/XX/XXXXXXXX  Date of Last Payment : XX/XX/XXXXXXXX  Violation : FCRA 607 ( b ) Reporting must be factually and chronologically accurate Why it matters : Last payment is shown before the account was even opened an impossibility that supports deletion. 

2. Account Status = Derogatory / Collection but Balance Still Active Balance : {$1400.00} Past Due : {$1400.00} Payment Status : Late 120 Days Violation : FDCPA 807 ( 8 ) Misleading credit reporting if the debt is already charged off or sold FCRA 623 ( a ) ( 2 ) Failure to update status if settled/sold/assigned Why it matters : If this debt has been written off or sold, Equifax can not report it as actively past due. 

3. Account Shows 0 Months ( Terms ) A collection/closed account showing 0 months is misleading or incomplete.

Violation : FCRA 607 ( b ) Incomplete tradeline structure Why it matters : Inaccurate account structure can negatively influence scoring models and underwriter decisions.

4. Account Is Disputed But Still Reporting Negative Activity Comments say : Consumer disputes this account information Still reporting : Late 120 Days and outstanding balance Violation : FCRA 623 ( a ) ( 3 ) Accounts under dispute must reflect the dispute clearly and can not continue to update negatively without proper reinvestigation FCRA 611 ( a ) If unverifiable, data must be deleted within 30 days Why it matters : Youre protected from continued negative updates while a dispute is unresolved.

5. No XXXX  or XXXX  Reporting Reporting only by Equifax while account appears to be closed Potential Violation : FCRA 623 ( a ) ( 2 ) Creditors must report accurate, consistent, and up-to-date data Why it matters : Isolated reporting by only one bureau suggests selective or outdated data furnishing.

Summary of Violations Law Violation FCRA 607 ( b ) Chronologically impossible last payment / open dates ; incomplete structure FCRA 623 ( a ) ( 2 ) Failure to update or correct inaccurate status FCRA 623 ( a ) ( 3 ) Disputed account still showing as derogatory FCRA 611 ( a ) Unverified accounts must be removed after 30 days FDCPA 807 ( 8 ) Misleading or deceptive reporting of past-due debt after dispute or charge-off

Company response to consumer: Closed with explanation