Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: NV
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:
Equifaxs
XXXX XXXX XXXX XXXX, Georgia XXXX  
 Second Investigation Request Letter

To Whom It May Concern at Equifax,
on XXXX complaint numbers Equifax # XXXXXXXX. In accordance with the Fair Credit Reporting Act
15 U.S. Code  1681- Congressional findings and statement of purpose (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
 U.S. Code  1681b - Permissible purposes of consumer reports- Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :- (2) In accordance with the written instructions of the consumer to whom it relates.  Lenders, or any other businesses, or credit bureaus, cannot access my credit report. I must consent in writing to having my credit report pulled by anyone seeking specific information about my life in any way. I have not now, nor in the past given my written, or verbal permission to any creditors, credit bureaus, or any other businesses making inquires about my personal information. A consumer report is in violation if any written, oral, or other communication of any information about the consumer is published by a consumer reporting agency that bears on a consumer's creditworthiness, credit. standing, credit capacity, character, general reputation, personal characteristics, or mode of living, as well as former employment positions, former residential information is given out by that bureau without  the consumers written permission. 
 I have been injured by negative as well as inaccurate information that is currently still on my credit report. This overall negative as well as inaccurate information is currently being released without my permission to any entity that submits a general inquiry into my personal information through the credit bureaus. This is against the law according to the Fair Reporting Act.
15 U.S. Code  1681 - Congressional findings and statement of purpose (a)ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings:(b) REASONABLE PROCEDURES : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Due to this inaccurate information being released I have been denied credit multiply times. I have been subjected to higher fees, as well as other negative ratings that hinder me from a financially  fulfilling lifestyle that I have diligently worked to have for myself, as well as for the lives of my family. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the, the right to privacy from the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from. 
consumer reports for the protection of the consumer. 
 (5) 15 U.S. Code  1681c - Requirements relating to information contained in consumer reports Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Information excluded from consumer reports further includes arrest records more than 7 years old. Items of adverse information, Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years. Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.

 I have not now nor previously given in writing or oral permission to release or publish any of my information to creditors, credit bureaus, or other businesses that make inquiries about my personal information /credit. These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities, or any businesses that make inquiries about my personal information / credit. 15 U.S. Code  1681b  - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
 (2)
In accordance with the written instructions of the consumer to whom it relates.
These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from consumer reports.
15 U.S. Code  1681b - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the consumer to whom it relates.
 Lenders cannot just access my credit report without my consent. The Fair Credit Reporting Act states that only businesses with a legitimate reason to check my credit report can do so, I must consent in writing to having my credit report pulled by anyone  seeking specific information about my life in any way. 
15 U.S. Code  1681 - Congressional findings and statement of purpose (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I read the Fair Credit Reporting Act where it said by law, I had the right to challenge anything that is not accurate on my reports. Some of the people reporting things on me, I have never heard of.
 15 U.S. Code  1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)Duty of furnishers of information to provide accurate information(1)Prohibition(A)Reporting information with actual knowledge of errors . A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The credit bureaus stated all my accounts on my credit reports were properly investigated. That cannot be possible if open dates, account numbers, amounts of accounts, last date active, as well as other information on reports that are incorrect, and inaccurate still on my credit report. These are the  grounds that I am seeking to have all inaccurate, all information that I have not given written permission to be published or released in my credit report.
How credit bureaus violated my rights:
1.Violated my right to privacy.
2.Inaccurate information in reports.
3.Published personal information on reports without my written permission.
4.Credit bureaus took more than thirty days to complete their investigation.
15 U.S. Code  1681n - Civil liability for willful noncompliance
(a)IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
(A)
any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; and the removal of account on report.
 I want one hundred dollars to, one thousand dollars per violation, and  the removal of any inaccurate information, any information that I have not given in writing to be published on any credit report (i.e., addresses, employment history, names, phone numbers, date of birth,)  
15 U.S. Code  1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION(1)PROHIBITION(A)Reporting information with actual knowledge of errors person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..(B)Reporting information after notice and confirmation of errors person shall not  furnish information relating to a consumer to any consumer reporting agency if(i)the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and(b) the information is, in fact, inaccurate. 
15 U.S.C. 1681 section 604 A section 2 to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.For purposes of subparagraph (A), the term reasonable cause to believe that the information is inaccurate means specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
 15 U.S.C. Sec. 1681i(a), I have been made aware that you cannot provide.
proof that an account is one- hundred percent accurate the accounts must be deleted from my credit report. I want one hundred dollars to, one thousand dollars, and the accounts deleted if they are not one hundred percent correct on my credit report. I have been informed that the credit bureaus have only thirty days to complete, as well as correct my credit reports. I will enclose my certified mail tracking number to insure receipt of this document.
 Thank  you,
XXXX XXXX XXXX  Personal Information:

Name: XXXX XXXX
SSN: XXXX
D.O.B. XXXX Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX  
Telephone: XXXX
Email: XXXX  

*The Following accounts are in violations on multiply basis on my consumer reports. I request resolution in the form of : XXXX XXXX dollars, to XXXX XXXX dollars, for every violation that has been published on my report violating my privacy, published without my written permission, Is not one hundred percent verified as well as one hundred percent accurate, and completely removed from my credit reports permanently. I am requesting that this investigation be conducted within thirty days. *



Accounts:
Account Name: XXXX XXXX
Account Number: XXXX  High Balance: $0 - (incorrect)
Last Verified:  - (Incorrect, not verified correctly)
Date of Last Activity: XXXX  Date Reported: XXXX - (Incorrect Date)
Date Opened:  XXXX  (Incorrect Open Date)
Balance Owed: XXXX XXXX - (Balance is Incorrect)
Closed Date:  None Listed- (Not verified)
Account Rating: Open  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Not verified.
Creditor Type: All Banks
Account Status: Open
Payment Status: Current  (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: $ XXXX   (Incorrect Not Verified)
Last Payment: XXXX XXXX XXXX   (Incorrect Not Verified)
Term Length: $XXXX  (Incorrect Not Verified)
Past Due Amount: Incorrect Not verified.
Account Type: Credit Card Payment Frequency: Incorrect Not Verified 
Credit Limit: $ XXXX  Two Year History: Incorrect Not Verified
 Account Name: XXXX XXXX
Account Number: XXXX
High Balance: XXXXXXXX  - (incorrect)
Last Verified: - (Incorrect, not verified correctly)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX   (Incorrect Open Date)
Balance Owed: XXXX  XXXX - (Balance is Incorrect)
Closed Date:  - (Not verified)
Account Rating: Derogatory  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: All Banks
Account Status: Closed 
Payment Status:   Collection/ Charge off (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: $ XXXX   (Incorrect Not Verified)
Last Payment: XXXX XXXXncorrect Not Verified)
Term Length: Not Verified
Past Due Amount: Incorrect Not verified.
Account Type: Credit Card
Payment Frequency: Incorrect Not Verified 
Credit Limit: XXXXXXXX  Two Year History: Incorrect Not Verified
Account Name: XXXX XXXX
Account Number: XXXX
High Balance: XXXXXXXX  (incorrect Not Verified)
Last Verified: (Incorrect, not verified correctly)
Date Reported: XXXX XXXX (Incorrect Date)
Date Opened:  XXXX  (Incorrect Open Date)
Balance Owed: XXXX XXXXXXXX  - (Balance is Incorrect)
Closed Date:  XXXX (Incorrect Not verified)
Account Rating: Derogatory  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status (Incorrect Not Verified)
Creditor Type: XXXX XXXX XXXX XXXX   (Incorrect Not Verified)
Account Status: Closed 
Payment Status:   Collection/ Charge off (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: $ XXXX   (Incorrect Not Verified)
Last Payment: XXXX  (Incorrect Not Verified)
Term Length: Not Verified
Past Due Amount: XXXXXXXX  (Incorrect Not verified)
Account Type: - (Incorrect Not Verified)
Payment Frequency: Incorrect Not Verified 
Credit Limit: XXXXXXXX  (Incorrect Not Verified)
Two Year History: Incorrect Not Verified
 Account Name: XXXX  Account Number: XXXX
High Balance: - XXXXXXXX  (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened:  XXXX   (Incorrect Open Date)
Balance Owed: XXXX XXXX   - (Balance is Incorrect)
Closed Date: (Not verified)
Account Rating: Paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: All Banks
Account Status: Closed (Incorrect Not Verified)
Payment Status:   Current (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: XXXX  XXXX   (Incorrect Not Verified)
Last Payment: XXXX  (Incorrect Not Verified)
Term Length: 24 months Not Verified
Past Due Amount: XXXX  XXXX  (Incorrect Not verified)
Account Type: Secured Loan
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two Year History: (Incorrect Not Verified)
 Account Name: XXXX  Account Number: XXXX  High Balance: - XXXXXXXX  (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX  - (Incorrect Date)
Date Opened: XXXX  (Incorrect Open Date)
Balance Owed: XXXX XXXX   - (Balance is Incorrect)
Closed Date: - (Not verified incorrect)
Account Rating: Paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Personal Loan  (Incorrect Not Verified)
Account Status: Closed (Incorrect Not Verified)
Payment Status:   Current - (Incorrect Not Verified)
Creditor Remarks closed due to refinance:( Incorrect Not Verified)
Payment Amount: XXXX XXXX   (Incorrect Not Verified)
Last Payment: XXXX  (Incorrect Not Verified)
Term Length: 16 months Not Verified
Past Due Amount: XXXX  XXXX  (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two Year History: Incorrect Not Verified
Days Late 7-year History: Incorrect Not Verified 
Account Name: XXXX
Account Number: XXXX  High Balance: - XXXXXXXX  - (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened:  XXXX  (Incorrect Open Date)
Balance Owed: XXXXXXXX  - (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Open  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Personal loan Company  (Incorrect Not Verified)
Account Status: Open (Incorrect Not Verified)
Payment Status:   Current - (Incorrect Not Verified)
Creditor Remarks unsecured - (Incorrect Not Verified)
Payment Amount: XXXX  XXXX   (Incorrect Not Verified)
Last Payment: XXXX   (Incorrect Not Verified)
Term Length:  Not Verified
Past Due Amount: (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Account Name: DEPTEDXXXX   Account Number: XXXX
High Balance: - XXXXXXXX  - (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity: XXXX  (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened:  XXXX   (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - - (Not verified)
Account Rating: Paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Miscellaneous Finance  (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status:   Current - (Incorrect Not Verified)
Creditor Remarks - (Incorrect Not Verified)
Payment Amount: XXXX XXXX  (Incorrect Not Verified)
Last Payment:XXXX   (Incorrect Not Verified)
Term Length: 120  months Not Verified
Past Due Amount: XXXX XXXX  (Incorrect Not verified)
Account Type: Educational Loan
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: DEPT OF ED/ XXXX  Account Number:XXXX  (Incorrect Not Verified)
High Balance:XXXX  (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity: (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX  (Incorrect Open Date)
Balance Owed: XXXX  - (Balance is Incorrect)
Closed Date:  - (Not verified)
Account Rating: paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: account not disputed (Incorrect Not Verified)
Creditor Type Miscellaneous Finance:  (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks:  - (Incorrect Not Verified)
Payment Amount:   (Incorrect Not Verified)
Last Payment:   (Incorrect Not Verified)
Term Length:  months Not Verified
Past Due Amount: (Incorrect Not verified)
Account Type:
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
 Account Name: DEPT OF ED/ XXXX
Account Number: XXXX  (Incorrect Not Verified)
High Balance:XXXX  (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity: (Incorrect Not Verified)
Date Reported:XXXX - (Incorrect Date)
Date Opened:XXXX  (Incorrect Open Date)
Balance Owed: XXXXXXXX  - (Balance is Incorrect)
Closed Date:  - (Not verified)
Account Rating: Paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance  (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks:   - (Incorrect Not Verified)
Payment Amount: XXXXXXXX   (Incorrect Not Verified)
Last Payment:   (Incorrect Not Verified)
Term Length:  months Not Verified
Past Due Amount: (Incorrect Not verified)
Account Type:
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
 Account Name: XXXX XXXX XXXX  Account Number: XXXX  - (Incorrect Not Verified)
High Balance: $XXXX  - (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect NotVerified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX  (Incorrect Open Date)
Balance Owed: XXXXXXXX  - (Balance is Incorrect)
Closed Date:  - (Not verified)
Account Rating: Open  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: All Banks  (Incorrect Not Verified)
Account Status: Open- (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks: Unsecured - (Incorrect Not Verified)
Payment Amount: XXXX  (Incorrect Not Verified)
Last Payment:XXXX 
Term Length:  Unsecured Loan (Not Verified Incorrect )
Past Due Amount: $0 (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified consumer reports for the protection of the consumer. 
Account Name: XXXX XXXX XXXX
Account Number: XXXX  - (Incorrect Not Verified)
High Balance: XXXXXXXX  - (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX  (Incorrect Open Date)
Balance Owed: XXXXXXXX  - (Balance is Incorrect)
Closed Date:  - (Not verified)
Account Rating: Open  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: All Banks  (Incorrect Not Verified)
Account Status: Open- (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks: Unsecured - (Incorrect Not Verified)
Payment Amount: XXXXXXXX   (Incorrect Not Verified)
Last Payment:XXXX 
Term Length:  Unsecured Loan (Incorrect Not Verified)
Past Due Amount: XXXXXXXX  (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX XXXX  Account Number: XXXX  
High Balance: XXXXXXXX  - (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity:XXXX  - (Incorrect Not Verified)
Date Reported: XXXX  - (Incorrect Date)
Date Opened: XXXX  (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Derogatory  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Personal Loan  (Incorrect Not Verified)
Account Status: Closed - (Incorrect Not Verified)
Payment Status: account not disputed - (Incorrect Not Verified)
Creditor Remarks:  - (Incorrect Not Verified)
Payment Amount:  (Incorrect Not Verified)
Last Payment:XXXX 
Term Length:  Not Verified
Past Due Amount:  - (Incorrect Not verified)
Account Type: - (Incorrect Not Verified )
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
 Account Name: XXXX  Account Number: XXXX  High Balance: XXXXXXXX  - (incorrect Not verified)
Last Verified:  - (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect Not Verified)
Date Reported: XXXX  - (Incorrect Date)
Date Opened: XXXX  (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date:   - (Not verified)
Account Rating: Paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance  (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: XXXXXXXX   (Incorrect Not Verified)
Last Payment:XXXX
Term Length:  Not Verified
Past Due Amount: XXXX  - (Incorrect Not verified)
Account Type: Educational
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified 
Account Name: XXXX  Account Number: XXXX  High Balance: XXXX XXXXXXXX  (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity:XXXX  - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX   (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date:   - (Not verified)
Account Rating: Open  (Incorrect Not Verified)
Account Description:  Current  (Incorrect Not Verified)
Account Status: (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance  (Incorrect Not Verified)
Account Status: Open- (Incorrect Not Verified)
Payment Status: account not disputed - (Incorrect Not Verified)
Creditor Remarks: Current - (Incorrect Not Verified)
Payment Amount:   (Incorrect Not Verified)
Last Payment: XXXX  Term Length:  XXXX (Incorrect Not Verified)
Past Due Amount: XXXX   - (Incorrect Not verified)
Account Type: Miscellaneous Finance
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
 Account Name: XXXXEPT OF EDXXXX
Account Number: XXXX  High Balance: XXXX  - (incorrect Not verified)
Last Verified:  - (Incorrect, not verified correctly)
Date of Last Activity: - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened:  XXXX   (Incorrect Open Date)
Balance OwedXXXX XXXX  - (Balance is Incorrect)
Closed Date:   - (Not verified)
Account Rating:  Paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Account not Disputed - (Incorrect Not Verified)
Payment Status: Miscellaneous Finance - (Incorrect Not Verified)
Creditor Remarks: Open - (Incorrect Not Verified)
Payment Amount: Current  (Incorrect Not Verified)
Last Payment: - (Incorrect Not Verified)
Term Length:   (incorrect Not Verified)
Past Due Amount: - (Incorrect Not verified)
Account Type:   - (Incorrect Not Verified)
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
 Account Name: DEPT OF ED/XXXX
Account Number: XXXX  High Balance: XXXX  (incorrect Not verified)
Last Verified:  - (Incorrect, not verified correctly)
Date of Last Activity: - (Incorrect Not Verified)
Date Reported: XXXX  - (Incorrect Date)
Date Opened: XXXX   (Incorrect Open Date)
Balance Owed:  XXXX  - (Balance is Incorrect)
Closed Date:   - (Not verified)
Account Rating: Paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status:  Account not Disputed - (Incorrect Not Verified)
Payment Status: Open - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: XXXX   (Incorrect Not Verified)
Last Payment: - (Incorrect Not Verified)
Term Length: Not Verified
Past Due Amount: - (Incorrect Not verified)
Account Type: - (Incorrect Not Verified)
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
 Account Name: XXXX XXXX
Account Number: XXXX- (Incorrect Not Verified)
High Balance: XXXXXXXX  - (incorrect Not verified)
Last Verified: - (Incorrect, not verified correctly)
Date of Last Activity:  - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX  (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date:  Individual - (Not verified incorrect)
Account Rating: Paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Personal Loan Company  (Incorrect Not Verified)
Account Status: Closed - (Incorrect Not Verified)
Payment Status: account not disputed - (Incorrect Not Verified)
Creditor Remarks:  - (Incorrect Not Verified)
Payment Amount: Closed (Incorrect Not Verified)
Last Payment:
Term Length:  10 months Not Verified
Past Due Amount: XXXXXXXX  - (Incorrect Not verified)
Account Type:  - (Incorrect Not Verified )
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX
Account Number: XXXX  High Balance: XXXXXXXX  - (incorrect Not verified)
Last Verified:   - (Incorrect, not verified correctly)
Date of Last Activity:XXXX - (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX   (Incorrect Open Date)
Balance Owed: XXXX  - (Balance is Incorrect)
Closed Date:    - (Not verified Incorrect)
Account Rating: Paid  (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Account not disputed (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance  (Incorrect Not Verified)
Account Status: Paid - (Incorrect Not Verified)
Payment Status: Account not Deputed - (Incorrect Not Verified)
Creditor Remarks: Miscellaneous Education - (Incorrect Not Verified)
Payment Amount: Open  (Incorrect Not Verified)
Last Payment: Current
Term Length: 120 months
Past Due Amount: XXXX  - (Incorrect Not verified)
Account Type: Educational  (incorrect Not verified)
Payment Frequency: Incorrect Not Verified
 Account Name: XXXX  Account Number: XXXX  High Balance: - XXXXXXXX  (incorrect Not verified)
Last Verified:  - (Incorrect, not verified correctly)
Date of Last Activity: XXXX - (Incorrect Not Verified)
Date Reported: XXXXXXXX - (Incorrect Date)
Date Opened:XXXX  (Incorrect Open Date)
Balance Owed: XXXX  - (Balance is Incorrect)
Closed Date:   - (Not verified)
Account Rating: Paid    (Incorrect Not Verified)
Account Description: Individual  (Incorrect Not Verified)
Account Status: Account Not disputed (Incorrect Not Verified)
Creditor Type: Miscellaneous Finance  (Incorrect Not Verified)
Account Status: Open - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks:  - (Incorrect Not Verified)
Payment Amount: XXXXXXXX   (Incorrect Not Verified)
Last Payment:XXXX XXXX (Incorrect Not Verified)
Term Length: XXXX Months  (Incorrect Not Verified)
Past Due Amount: XXXXXXXX  - (Incorrect Not verified)
Account Type:   (incorrect Not verified)
Payment Frequency: Incorrect Not Verified 
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: DEPT OF EDXXXX
Account Number: XXXX  High Balance: $XXXX- (incorrect Not verified)
Last Verified:  - (Incorrect, not verified correctly)
Date of Last Activity: - (Incorrect Not Verified)
Date Reported: XXXX -

Company response to consumer: Closed with explanation