Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: NJ
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX Account # XXXX High Balance {$820.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$820.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type All Banks Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Charged off account Accounts closed by credit grantor Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$820.00} Account Type Payment Frequency Credit Limit {$0.00} US DEPT ED Account XXXX XXXX High Balance {$1900.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XXXX Date Opened XX/XX/XXXX Balance Owed {$73.00} Closed Date -- Account Rating Open Account Description Individual Dispute Status Account not disputed Creditor Type Federal Account Status Open Payment Status Current Creditor Remarks Student loan Fixed rate Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length 1 Month ( s ) Past Due Amount {$0.00} Account Type Educational Payment Frequency Credit Limit {$0.00} US DEPT ED Account XXXX XXXX High Balance {$3300.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$120.00} Closed Date -- Account Rating Open Account Description Individual Dispute Status Account not disputed Creditor Type Federal Account Status Open Payment Status Current Creditor Remarks Student loan Fixed rate Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length 1 Month ( s ) Past Due Amount {$0.00} Account Type Educational Payment Frequency Credit Limit {$0.00} XXXX Account XXXX XXXX High XXXX {$120.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Closed Date -- Account Rating Paid Account Description Individual Dispute Status Account disputed Creditor Type Mail Order Firms Account Status Closed Payment Status Current Creditor Remarks Consumer disputes this account information Closed or paid account/zero balance Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length 8 Month ( XXXX ) Past Due Amount {$0.00} Account Type Payment Frequency Credit Limit {$0.00} DEPTEDNELNET Account XXXX XXXX XXXX XXXX {$1700.00} Last Verified XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Closed Date -- Account Rating Transferred Account Description Individual Dispute Status Account disputed Creditor Type Miscellaneous Finance Account Status Closed Payment Status Late 120 Days Creditor Remarks Consumer disputes this account information Account transferred or sold Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$0.00} Account Type Payment Frequency Credit Limit {$0.00} XXXX Account # XXXX XXXX XXXX {$3000.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XXXX Balance Owed {$0.00} Closed Date -- Account Rating Transferred Account Description Individual Dispute Status Account disputed Creditor Type Miscellaneous Finance Account Status Closed Payment Status Late 120 Days Creditor Remarks Consumer disputes this account information Account transferred or sold Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$0.00} Account Type Payment Frequency Credit Limit {$0.00} XXXX Account # XXXX XXXX XXXX {$0.00} XXXX XXXX -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$640.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Telephone Companies Account Status Closed Payment Status Late 120 Days Creditor Remarks Collection account Accounts closed by credit grantor Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past XXXX XXXX {$640.00} Account Type Collection Payment Frequency Credit Limit {$0.00} XXXX Account # XXXX High Balance {$720.00} Last Verified -XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$720.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account disputed Creditor Type Factoring Companies Account Status Open Payment Status Late 120 Days Creditor Remarks Consumer disputes this account information Collection account Payment Amount {$0.00} Last Payment XXXX  Term Length -- Past Due Amount {$720.00} Account Type Collection Payment Frequency Credit Limit {$0.00}

Company response to consumer: Closed with explanation