Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: GA
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:
Disputed - XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Secured loan - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$8400.00} {$8400.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXXXXXX XXXX  -DISPUTE Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Debt consolidation Unsecured loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$12000.00} {$12000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX **CONSUMER STATEMENT** I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX-DISPUTE Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$5400.00} {$5400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$5400.00} {$0.00} Credit Limit : {$5000.00} {$5000.00} Past Due : {$5400.00} {$5400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt **CONSUMER STATEMENT** I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX  Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2800.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$0.00} {$0.00} Credit Limit : {$2500.00} {$0.00} Past Due : {$2800.00} {$0.00} Payment Status : Collection/Chargeoff XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account has been closed due to inactivity. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$420.00} No. of Months ( terms ) : 0 High Credit : {$0.00} Credit Limit : {$1000.00} Past Due : {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX BANKRUPTCY REPORTING INCORRECT INFO UNDER EACH BUREAU Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy Status : Dismissed Dismissed Dismissed Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - Asset Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT GA XXXX Federal Liability XXXX {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - Consumer disputes- reinvestigation in progres

Company response to consumer: Closed with explanation