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, with original creditor listed as XXXX XXXX, appearing only on my TransUnion credit report. The account is listed as derogatory and in Collection/Chargeoff status while also marked as disputed but no evidence of investigation or verification was provided. 

Key Issues : Account remains negative despite dispute, without proof of validation. 

Balance equals high credit, which is unusual for a collection account and suggests incomplete updates. 

No monthly payment, past due history, or detailed delinquency reporting is provided. 

Only TransUnion is reporting this tradeline, raising questions of selective or outdated data furnishing. 

Legal Violations : FCRA 607 ( b ) Incomplete and inaccurate data FCRA 623 ( a ) ( 1 ) ( A ) Misleading balance/high credit reporting FCRA 623 ( a ) ( 3 ) Improper dispute handling FCRA 611 ( a ) Unverified data must be deleted FDCPA 807 ( 8 ) Misleading collection representation Summary of Violations Law Violation FCRA 607 ( b ) Incomplete and potentially inaccurate tradeline structure FCRA 623 ( a ) ( 1 ) ( A ) Reporting incomplete or misleading data FCRA 623 ( a ) ( 2 ) Failure to update or synchronize across CRAs FCRA 623 ( a ) ( 3 ) Improper handling of disputed accounts FCRA 611 ( a ) If account can't be verified during dispute, it must be deleted FDCPA 807 ( 8 ) Misleading representation of debt with incomplete detailsInaccuracies & Legal Violations XXXXXXXX ( TransUnion ) 1. Account Is in Dispute But Still Reporting as Collection/Chargeoff Comment : Account information disputed by consumer, meets FCRA requirements Still reporting : Collection/Chargeoff Violation : FCRA 623 ( a ) ( 3 ) Furnishers must mark accounts as disputed properly and can not continue updating negatively during dispute unless verified FCRA 611 ( a ) Unverified disputed items must be removed within 30 days Impact : Continued negative reporting while under dispute, without evidence of verification, violates the law. 

2. Balance & High Credit Reporting as Identical Balance : {$1400.00} High Credit : {$1400.00} Violation : FCRA 607 ( b ) Data must be accurate and complete Impact : Reporting identical balance and high credit for a collection account may signal that the debt hasn't been updated or validated. 

3. Payment Status Is Collection/Chargeoff But No Payment or Past Due History Monthly Payment : Blank Past Due : Not reported Payment history : No data Violations : FCRA 623 ( a ) ( 1 ) ( A ) Incomplete tradeline data misrepresents the true state of the debt FDCPA 807 ( 8 ) Misleading to report charge-off status without valid delinquency context Impact : Reporting an account as charged off with no evidence of delinquency history is misleading and non-compliant. 

4. Only One Bureau Reporting ( TransUnion ) Not reported by Experian or Equifax Potential Violation ( depending on data furnishers policy ) : FCRA 623 ( a ) ( 2 ) Requires data accuracy, and uniformity across CRAs when applicable Impact : Selective or outdated reporting could create bias in credit scoring or lender assessment.

Company response to consumer: Closed with explanation