Consumer complaint received 2022-06-06
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 fair Credit reporting act XXXX  account numbers has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.S 1681 section 2 : it also states Consumer reporting agency can not furnish a account without my written instruction DEPT OF ED / XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX  Monthly Payment {$0.00} Responsibility Individual Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Payment Received {$0.00} Terms {$0.00} per month, paid Monthly for 120 months High Balance ( Hist. ) High balance of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX Remarks ACCT CLOSED DUE TO TRANSFER ; TRANSFERRED TO ANOTHER OFFICE Pay Status >Transferred ; was 120 days past due date< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX Monthly Payment {$0.00} Responsibility Individual Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Pay Status >Transferred ; was 120 days past due date< Terms {$0.00} per month, paid Monthly for 120 months High Balance ( Hist. ) High balance of {$3000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks ACCT CLOSED DUE TO TRANSFER ; TRANSFERRED TO ANOTHER OFFICE Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - - X {$3200.00} {$360.00} {$0.00} {$33.00} XXXX -- - -- - -- - -- - OK Address Phone XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Monthly Payment {$0.00} Responsibility Individual Account Loan Type XXXX XXXX XXXX {$0.00} Pay Status >Charge-off< Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Terms {$0.00} per month, paid Monthly for 72 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX High Balance ( Hist. ) High balance of {$23000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX Date Opened XX/XX/XXXX Account Type Open Account Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type DEPOSIT RELATED Payment Received {$0.00} Pay Status >Charge-off< High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX XXXX DEPT OF EDUCATION XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monthly Payment {$0.00} Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Pay Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Original Creditor XXXX XXXX Terms $ XXXX Payment High Balance ( Hist. ) High balance of {$3000.00} from XX/XX/XXXX to XX/XX/XXXX Scheduled Payment : Remarks : Rating : {$0.00} XXXX COL {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPT OF EDUCATION XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Monthly Payment {$0.00} Responsibility Individual Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Pay Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Original Creditor XXXX XXXX  Terms $ XXXX Payment High Balance ( Hist. ) High balance of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Opened XX/XX/XXXX Account Type Open Account Balance {$1400.00} High Balance {$1500.00} Past Due {$1400.00} Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Estimated month and year this item will be Remarks removed >PLACED FOR COLLECTION< XXXX XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX Opened XX/XX/XXXX Account Type Open Account Balance {$0.00} Last Payment Made XX/XX/XXXX Original Creditor XXXX XXXX Pay Status >Account Paid in Full was a Collection< Date Paid XX/XX/XXXX Remarks >PAID COLLECTION< Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$120.00} Past Due {$0.00} Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$570.00} High Balance {$570.00} Past Due {$570.00} Estimated month and year this item will be removed XX/XX/XXXX Date Updated XX/XX/XXXX Original Creditor XXXX XXXX Pay Status >Collection< Remarks Account information disputed by consumer ( FCRA ) ; XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX, FL XXXX Date Opened XX/XX/XXXX Account Type Open Account Balance {$470.00} High Balance {$470.00} Past Due {$470.00} Estimated month and year this item will be removed XX/XX/XXXX Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXX Pay Status >Collection< Remarks >PLACED FOR XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$270.00} High Balance {$270.00} Past Due {$270.00} Estimated month and year this item will be removed XX/XX/XXXX Date Updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Pay Status >Collection< Remarks >PLACED FOR COLLECTION< In accordance with fair Credit reporting act XXXX account numbers has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.S 1681 section 2 : it also states Consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation