Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Convergent Account # 1234, has violated my rights.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inquiry details XXXXXXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX {$4000.00} XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX US DEPT OF EDXXXX {$87000.00} On time XXXX XXXX {$29000.00} On time XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX Closed Closed XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX XXXX - Closed 1 late payment XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 6 potentially negative months XXXX XXXX - Closed 1 late payment XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 2 late payments XXXX XXXX {$1300.00} Closed 9 potentially negative months XXXX XXXXXXXX XXXX  XXXX {$4900.00} Closed 15 potentially negative months XXXX XXXX {$2400.00} Closed 9 potentially negative months XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX - Closed 1 late payment XXXX XXXX XXXX {$1900.00} Closed 7 potentially negative months XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX {$29000.00} On time US DEPT. OF EDUCATIONXXXX {$6800.00} On time XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation