Anarchy doesn't necessarily mean that there is absolutley no government anywhere, but it does imply that that people are acting in ways that are not restricted by governments or other institutions that seek to maintain "law & order" and "market systems" (bosses, cops, party aparatchiks, oppressive institutions and so on...)
My question regarding your explanation is what happens if someone rejects the decisions made by referendum? What happens when the local collective decides it wants to do something to further their interests that runs counter to what others desire? These things can not be binding to anyone who doesn't agree to them for a situation to be considered anarchic, and that is going to include members of a collective or whatever who change their minds. Free association is a really important part of anarchist ways of relating, so even if a group is horzontal in organizational structure, it is coercive if people are forced to go along with it.
I apparently need to provide "more information (at least 3 characters)" hmm