Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 123 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$2400.00} Highest Balance {$2200.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXXAmount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown DEPT OF ED/XXXX  {$4300.00} Account Details Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 123 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4300.00} Highest Balance {$3000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXXAmount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown DEPT OF ED/XXXX  {$2200.00} Account Details Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 123 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$2200.00} Highest Balance {$1800.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/2020 Amount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown DEPT OF ED/XXXX  {$9000.00} Account Details Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$9000.00} Highest Balance {$6000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXXAmount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX 90 90-119 Days Late U Unknown XXXX XXXX XXXX XXXX {$12000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/2016Closed Date -- Limit -- Term 72 Months Monthly Payment {$380.00} Responsibility Joint Account Balance {$12000.00} Highest Balance {$25000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 3/2/0 Remarks -- Payment History Latest Status : Current XXXX 30 OK   OK U XXXX OK OK OK OK OK OK OK OK OK 30 60 60 XXXX OK OK OK OK OK OK OK OK OK OK 30 OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK   XXXX U U U OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 30 30-59 Days Late U Unknown 60 60-89 Days Late XXXX XXXX XXXX {$1400.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1400.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXXAmount Past Due {$1400.00} Times 30/60/90 Days Late 1/1/9 Remarks Charged off account Fixed rate Payment History Latest Status : Collection/Charge-Off XXXX U U U U XXXX 150 180 180 CO CO CO CO U U U U U XXXX OK OK OK OK OK OK OK OK 30 60 90 120 XXXX U OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U Unknown 150 150+ Days Late 180 Unknown CO Collection/Charge-Off 30 30-59 Days Late 60 60-89 Days Late 90 90-119 Days Late 120 120-149 Days Late XXXX XXXX XXXX XXXX {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$910.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks Consumer disputes after resolution Charged off accou XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 72 Months Monthly Payment {$0.00} Responsibility Joint Account Balance {$0.00} Highest Balance {$21000.00} Payment Status 60-89 Days Late Worst Payment Status -- Date of Last Payment XXXX Creditor Name XXXX XXXX XX/XX/XXXXXXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$14000.00} Payment Status Current Worst Payment Status -- Date of Last Payment Ma XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original CreditorXX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1600.00} High Balance {$1700.00} Remarks Consumer disputes after resolution Collection account XXXX XXXX XXXX {$1500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1500.00} High Balance {$1500.00} Remarks Collection account XXXX XXXX XXXX {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information Collection account all ftc violations

Company response to consumer: Closed with explanation