Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: SC
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  Account has violated my XXXX XXXX. MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX error Needs attention XXXX XXXX XXXX XXXX XXXX Credit Card Closed account {$350.00} XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual XXXX XXXX XXXX XXXX Account number XXXX Account XXXX Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$16.00}, XXXX past due as of XX/XX/XXXX XXXX LOANS Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 

XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Refinanced, closed. 
Status updated XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 

XXXX ccount info Account name XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$960.00} XXXX. XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$950.00} past due as of XX/XX/XXXX. 

XXXX, XXXX. 
Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$240.00} Balance updated XX/XX/XXXX XXXX ccount info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$56.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$56.00} XXXX updated XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account type Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX XXXX U.S.C XXXX XXXX A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 convictions of crimes which antiendates the report by more than 7seven years

Company response to consumer: Closed with explanation