Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pays as Agreed Past Due C Collection Account Charge Off Too New to Rate B Bankruptcy R Repossession No Data Available Payment Details Months Reviewed 23 Payment Responsibility INDIVIDUAL Deferred Payment Start Date Date Closed Date of Last Payment XX/XX/XXXX Scheduled Payment Amount XXXX  XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OK OK OK OK OK OK OK OK OK OK Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pays as Agreed Past Due C Collection Account CO Charge Off Too New to Rate B Bankruptcy R Repossession No Data Available Payment Details Months Reviewed 45 Payment Responsibility INDIVIDUAL Deferred Payment Start Date Date Closed Date of Last Payment XX/XX/XXXX Scheduled Payment Amount Actual Payment Amount Charge Off Amount {$9900.00} Other Payments & Delinquencies Balloon Payment Date Balloon Payment Amount Delinquency First Reported XX/XX/XXXX Amount Past Due {$9900.00} EFX ticker symbol Privacy Policy Terms of Use XXXX XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type XXXX Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$6400.00} Credit Limit {$5000.00} High Credit Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 

Details Payments Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Pays as Agreed Past Due C Collection Account CO Charge Off Too New to Rate B Bankruptcy R Repossession No Data Available Payment Details Months Reviewed XXXX Payment Responsibility INDIVIDUAL Deferred Payment Start Date Date Closed Date of Last Payment XX/XX/XXXX Scheduled Payment Amount Actual Payment Amount Charge Off Amount {$520.00} Other Payments & Delinquencies Balloon Payment Date Balloon Payment Amount Delinquency First Reported XX/XX/XXXX Amount Past Due {$520.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C. 166b A creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation