Consumer complaint received 2021-04-09
Company: Equitable Acceptance Corp
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1.EQUITABLEACC XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$8100.00} {$0.00} {$7700.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$8100.00} {$8100.00} {$8100.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Joint Joint Joint Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Sales Financing Miscellaneous Finance Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Charge Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account Charge account Payment Frequency : -- -- -- Credit Limit : {$8200.00} {$8200.00} -- 2XXXX XXXX XXXX XXXX Account # : XXXX -- XXXX High Balance : {$21000.00} -- {$0.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$0.00} -- {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory -- Derogatory Account Description : Individual -- Individual Dispute Status : Account not disputed -- Account disputed Creditor Type : Automotive -- Auto Dealers, Used Account Status : Closed -- Closed Payment Status : Unknown -- Unknown Creditor Remarks : Chapter XXXX bankruptcy -- Consumer disputes - reinvestigation in progress Bankruptcy Chapter XXXX Included in bankruptcy Payment Amount : {$0.00} -- {$0.00} Last Payment : -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} -- {$0.00} Account Type : Auto Lease -- -- Payment Frequency : -- -- -- Credit Limit : -- -- -- 3.XXXX XXXX XXXX XXXX Account # : -- XXXX XXXX High Balance : -- -- {$1300.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$1300.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account not disputed Creditor Type : -- -- Furniture and Home/Office Funishings Stores Account Status : -- -- Closed Payment Status : -- -- Collection/Chargeoff Creditor Remarks : -- -- Charged off account Secured Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$1300.00} Account Type : -- -- Secured loan Payment Frequency : -- -- -- Credit Limit : -- -- 4. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX -- High Balance : {$97.00} {$97.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$97.00} {$97.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Affected by natural disaster Affected by natural disaster. 
-- Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} - 5. Bankruptcy XXXX XXXX XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX Remarks : Bankruptcy TransUnion Experian Equifax Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Liability : XXXX Exempt Amount : XXXX Remarks : Bankruptcy XXXX XXXX XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX Remarks : Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXXXX/XX/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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUITABLEACC 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 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

Company response to consumer: Closed with explanation