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 submitting this complaint regarding the inaccurate and conflicting reporting of a closed XXXX XXXX unsecured installment loan across TransUnion and Experian. The information being reported is contradictory, outdated, and legally non-compliant with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Problems Identified : Conflicting open dates : TransUnion reports XX/XX/XXXX, Experian reports XX/XX/XXXX. 

Different last reported dates : XX/XX/XXXX vs. XX/XX/XXXX. 

Account comments conflict marked both as charged off and purchased, which creates confusion about status. 

Payment status still showing as collection/charge-off despite the balance being {$0.00}. 

Incomplete payment history Experian omits monthly reporting, while TransUnion shows escalating lates. 
Violations Committed : FCRA XXXX ( b ) Maximum accuracy not achieved across bureaus FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting data known to be inconsistent FCRA XXXX ( a ) ( XXXX ) Failure to correct and synchronize credit reporting FCRA XXXX ( a ) ( XXXX ) Incomplete historical reporting FCRA XXXX ( a ) Conflicting data should be removed unless verified FDCPA XXXX ( XXXX ) Reporting a {$0.00} balance while calling it collection/chargeoff is misleading Summary of FCRA & FDCPA Violations Law Violation FCRA XXXX ( b ) Reporting inconsistent dates and status comments FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting data known to be inaccurate FCRA XXXX ( a ) ( XXXX ) Failure to update, correct, or synchronize data FCRA XXXX ( a ) ( XXXX ) Incomplete or misleading payment history FCRA XXXX ( a ) Unverifiable data must be deleted after dispute FDCPA XXXX ( XXXX ) Misleading representation of charge-off with {$0.00} balance Inaccuracies & Violations XXXX XXXX Account XXXX XXXX Conflicting Open Dates TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Violation : FCRA XXXX ( b ) Furnishers and XXXX must report with maximum possible accuracy. 
Impact : Open date discrepancies can affect the age of credit and scoring. 

XXXX. Conflicting Last Reported Dates TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Violation : FCRA XXXX ( a ) ( XXXX ) Failure to update consistently across bureaus. 
Impact : Creates inconsistency in the accounts reporting timeline and damages data integrity. 

XXXX. Contradictory Account Comments TransUnion : " Charged off as bad debt. Purchased by another lender. '' Experian : " Purchased by another lender. Unpaid balance reported as a loss by credit grantor. '' Violation : FCRA XXXX ( b ) Narrative data must be accurate and uniform. 
Impact : The account can not be both charged off and paid via purchase if no balance exists. Confusing status misleads creditors. 

XXXX. Reporting {$0.00} Balance But Marked as Collection/Chargeoff Balance : {$0.00} Payment Status : Collection/Chargeoff Violation : FDCPA XXXX ( XXXX ) Misleading to report collection status if balance is {$0.00} FCRA XXXX ( a XXXX ( XXXX ) Data must be updated once account is resolved/transferred Impact : This implies an unresolved delinquent account when the balance shows paid or transferred. 

XXXX. Discrepancy in Payment History TransUnion shows missed payments escalating from XXXX to XXXX  days late, ending in a charge-off Experian does not show payment history ( likely omitted ) Violation : FCRA XXXX ( a ) ( XXXX ) Must accurately report monthly payment history Impact : When XXXX bureau shows a full delinquency trail and another doesn't, the reporting is unverifiable.

Company response to consumer: Closed with explanation