Consumer complaint received 2025-05-29 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 formal complaint regarding an XXXX XXXX account that appears on my credit reports with TransUnion and Experian. This account is being reported with conflicting, incomplete, and inaccurate information, and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Issues Identified : Conflicting Dates and Account Terms : TransUnion reports the account opened on XX/XX/XXXX Experian reports XX/XX/XXXX Experian also omits high credit value, while TransUnion includes it. 

Account Disputed, Yet Still Derogatory : Both bureaus list the account as in dispute, but still reflect it as Collection/Chargeoff, which is misleading under FCRA and FDCPA law. 

Outstanding Balance Misleading : The full {$8900.00} balance is reported despite charge-off and no updates since XXXX. 

Stale, Inactive Account Still Impacting Report : With no resolution or payment activity in over four years, this account appears obsolete and unverifiable.

Legal Violations : FCRA 607 ( b ) Inconsistent data FCRA 623 ( a ) ( 1 ) ( A ) Reporting known inaccuracies FCRA 623 ( a ) ( 2 ) Failure to correct outdated info FCRA 623 ( a ) ( 3 ) Disputed data must be flagged correctly FCRA 611 ( a ) If data can not be verified, it must be removed FDCPA 807 ( 8 ) Prohibits misleading or false credit data Requested Action : I am requesting the CFPB to : Investigate the XXXX XXXX account reported by TransUnion and Experian Require both CRAs to remove this tradeline from my report due to legal violations and inability to verify its accuracy Confirm that the account is permanently deleted and not reinserted without full and verifiable validation * * FCRA 607 ( b ) * * | Data must be accurate and consistent across bureaus * * FCRA 623 ( a ) ( 1 ) ( A ) * * | No knowingly inaccurate info can be reported * * FCRA 623 ( a ) ( 2 ) * * | Furnishers must update/correct any inaccurate or outdated information | * * FCRA 623 ( a ) ( 3 ) * * | Disputed info must be clearly flagged * * FCRA 611 ( a ) * * | Unverified or disputed info must be removed * * FDCPA 807 ( 8 ) * * | False/misleading representation of credit info is prohibited CRA 607 ( b ) Requires maximum possible accuracy Why this matters : Different open dates affect the reported age of the account, which can alter scoring and underwriting decisions. 

XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX Experian reports {$0.00} XXXX XXXX and $ 0 monthly XXXX TransUnion reports high credit of {$9900.00} Violation : FCRA 607 ( b ) Data must be complete and consistent Why this matters : Omitting high credit or payment terms presents an incomplete and potentially misleading risk profile. 

XXXX. Account Still Reporting as Derogatory Despite Being Disputed TransUnion comments state : Account information disputed by consumer, meets FCRA requirements Experian : Customer disputed account reported by subscriber Violations : FCRA 623 ( a ) ( 3 ) If a consumer disputes an account, it must be marked as disputed.

FCRA 611 ( a ) If investigation can not verify accuracy, item must be removed.

FDCPA 807 ( 8 ) Misleading information remains while an account is under dispute or unresolved.

Why this matters : Disputed information that remains derogatory and unresolved can mislead lenders and damage your score.

4. Balance Still Shows As Owed Despite Charge-Off Balance : {$8900.00} Payment status : Collection/Chargeoff Last payment : XX/XX/XXXX ( more than XXXX  years ago ) Violation : FCRA 623 ( a ) ( 2 ) Furnishers must update or correct inaccurate info Why this matters : Once charged-off, if the debt has been sold, settled, or is no longer collectable, reporting the full unpaid balance without update may be false or misleading.

5. Account Still Reporting With No Monthly Payment, No Terms, No
Updates Account is stagnant still reporting $ 0 monthly payment, 0 months term, and no closure or resolution.

Violation : FCRA 605 ( a ) Obsolete accounts with no activity or resolution must not be reported after 7 years. 
Why this matters : If this account continues reporting as active/derogatory without proper updates or closure, its unfair and misleading.

Company response to consumer: Closed with explanation