Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: NC
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 Act, XXXX reporter Equifax has violated my rights. 15 USC 1681 Section 602-8 states that I have the right to privacy. 15 USC 1681 Section 604a- Section 2 states that a consumer reporting agency can not furnish consumer accounts without having my written instructions to do so. The following accounts are material evidence for the purpose of this complaint, XXXX XXXX Act. # XXXX Collection/ Chargeoff XXXX Opened {$0.00} High Balance {$9100.00} Balance, XXXX XXXX XXXXXXXX-Closed Act. # XXXX 90 Days XXXX XXXX Opened {$7400.00} High Balance {$5800.00} Balance, Dept Of Ed / XXXXClosed Act. # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance , Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$7100.00} High Balance {$0.00} Balance, Dept Of Ed / XXXXClosed Act. # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. XXXX XXXX 120 Days Late XXXX Opened {$6800.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX XXXX {$12000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$12000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$20000.00} High Balance {$0.00} Balance , Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$13000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$14000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$15000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX 120 Days Late XXXX Opened {$20000.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX Closed XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dept Of Ed / XXXX-Closed Act. # XXXX Closed XXXX Opened {$12000.00} High Balance {$0.00} Balance, XXXX XXXX Act. # XXXX Closed XXXX Opened {$0.00} Credit Limit XXXX XXXX XXXX Act. # XXXX Closed XXXX Opened {$700.00} Credit Limit {$0.00} Balance, XXXX XXXX Act.  # XXXX Closed XXXX Opened {$350.00} Credit Limit {$0.00} Balance, XXXX XXXX XXXX XXXX XXXX Closed XXXX Opened {$7400.00} High Balance {$0.00} Balance XXXX XXXX XXXX XXXX Balance {$4700.00} Original Creditor : Not XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition, Original Creditor : Not Available XXXX  XXXX Act. # XXXX Opened XXXX Reported Closed Condition, XXXX XXXX XXXX # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$9100.00} Balance, XXXX XXXX XXXX XXXX XXXX # XXXX Collection/ Chargeoff XXXX Opened {$0.00} High Balance {$2100.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX  Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, Dept Of Ed/XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, XXXX XXXX XXXX XXXX Act. # XXXX Closed XXXX Opened {$700.00} Credit Limit {$0.00} Balance, XXXX XXXX XXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance, XXXX XXXX XXXX  XXXX # XXXX Closed XXXX Opened {$350.00} Credit Limit {$0.00} Balance, XXXX XXXX XXXX Balance {$4700.00} Balance {$4700.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX  Balance {$67.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition, Dpt EdXXXX Act. # XXXX 120 Days Late XXXX Opened {$12000.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$8500.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$6800.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$20000.00} High Balance {$0.00} Balance, Dpt Ed/XXXX XXXX # XXXX 120 Days Late XXXX Opened {$7100.00} High Balance {$0.00} Balance, Dpt Ed/XXXX XXXX # XXXX 120 Days Late XXXX Opened {$12000.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$15000.00} High Balance {$0.00} Balance, Dpt Ed/XXXX XXXX # XXXX 120 Days Late XXXX Opened {$12000.00} High Balance {$0.00} Balance, Dpt EdXXXX  XXXX # XXXX 120 Days Late XXXX Opened {$14000.00} High Balance {$0.00} Balance, Dpt EdXXXX XXXX # XXXX 120 Days Late XXXX Opened {$20000.00} High Balance {$0.00} Balance, Dpt EXXXX XXXX # XXXX 120 Days Late XXXX Opened {$13000.00} High Balance {$0.00} Balance, XXXX  Act. # XXXX Closed XXXX Opened {$21000.00} High Balance {$9100.00} Balance, XXXX Act. # XXXX Closed XXXX Opened {$0.00} Credit Limit {$0.00} Balance, XXXX XXXX # XXXX Closed XXXX Opened {$700.00} Credit Limit {$0.00} Balance, XXXX XXXX Act. # XXXX Closed XXXX Opened {$350.00} Credit Limit {$0.00} Balance

Company response to consumer: Closed with explanation