Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Collection Agency XXXX XXXX XXXX  Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$510.00} Creditor Classification Cable or Cellular Amount {$510.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact Date Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Available Credit View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$15000.00} Payment Responsibility INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration Balance {$0.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment Date of Last Activity XX/XX/XXXX Scheduled Payment Amount $ 0 Months Reviewed XXXX Delinquency First Reported Activity Designator TRANSFER_OR_SOLD Creditor Classification XXXX  Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Education Loan Date Closed XX/XX/XXXX Date of First Delinquency Comments Contact Account previously in dispute now resolved by data furnisher Account transferred or sold Student loan XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$500.00} Payment Responsibility INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency WEEKLY Term Duration 12 MONTHS Balance {$0.00} Date Opened XXXX XXXX, XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XXXX XXXX Date of Last Activity XXXX XXXX Scheduled Payment Amount Months Reviewed XXXX Delinquency First Reported Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Available Credit The tables below show up to 24 months historical data. If a table is blank, this data was not provided to Equifax. 
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 
Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Secured Date Closed XXXX XXXX Date of First Delinquency Comments Contact Closed or paid account/zero balance Secured XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$6200.00} Account Status PAYS_AS_AGREED Available Credit Account History The tables below show up to 24 months historical data. If a table is blank, this data was not provided to Equifax. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} {$6000.00} {$6000.00} {$6000.00} {$6000.00} {$6000.00} {$6000.00} XXXX {$6000.00} {$6000.00} {$6100.00} {$6100.00} {$6100.00} {$6100.00} {$6100.00} {$6200.00} {$6200.00} {$6200.00} {$6200.00} {$6200.00} XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$60.00} {$60.00} {$60.00} XXXX {$60.00} {$60.00} {$60.00} {$60.00} {$60.00} {$61.00} {$61.00} {$62.00} {$62.00} Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$6000.00} Payment Responsibility INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 120 MONTHS Balance {$6200.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity XX/XX/XXXX Scheduled Payment Amount $ 62 Months Reviewed XXXX Delinquency First Reported Activity Designator Creditor Classification XXXX Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Education Loan Date Closed Date of XXXX XXXX XXXX XXXX XXXX loan Fixed rate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$4400.00} Account Status PAYS_AS_AGREED Available Credit Account History The tables below show up to 24 months historical data. If a table is blank, this data was not provided to Equifax. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} {$4200.00} {$4200.00} {$4200.00} {$4200.00} {$4200.00} {$4200.00} XXXX {$4200.00} {$4200.00} {$4300.00} {$4300.00} {$4300.00} {$4300.00} {$4300.00} {$4300.00} {$4300.00} {$4300.00} {$4400.00} {$4400.00} XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$42.00} {$42.00} {$42.00} {$42.00} XXXX {$42.00} {$42.00} {$42.00} {$42.00} {$43.00} {$43.00} {$43.00} {$44.00} {$44.00} XXXX Actual Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Limit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XXXX Amount Past Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$4200.00} Payment Responsibility INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 120 MONTHS Balance {$4400.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity XX/XX/XXXX Scheduled Payment Amount $ 44 Months Reviewed XXXX Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX Balloon Payment Date Loan Type Education Loan Date Closed Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan Fixed rate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$3600.00} Account Status PAYS_AS_AGREED Available Credit Account History The tables below show up to 24 months historical data. If a table is blank, this data was not provided to Equifax. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} {$3500.00} {$3500.00} {$3500.00} {$3500.00} {$3500.00} {$3500.00} XXXX {$3500.00} {$3500.00} {$3500.00} {$3500.00} {$3500.00} {$3500.00} {$3600.00} {$3600.00} {$3600.00} {$3600.00} {$3600.00} {$3600.00} XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$35.00} {$35.00} {$35.00} XXXX {$35.00} {$35.00} {$35.00} {$35.00} {$35.00} {$36.00} {$36.00} {$36.00} {$36.00} XXXX Actual Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Limit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XXXX Amount Past Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$3500.00} Payment Responsibility INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 120 MONTHS Balance {$3600.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity XX/XX/XXXX Scheduled Payment Amount $ 36 Months Reviewed XXXX Delinquency First Reported Activity Designator Creditor Classification XXXX  XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Education Loan Date Closed Date of XXXX XXXX XXXX XXXX XXXX loan Fixed rate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX XXXX. XXXX Accounts XXXX accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. 
XXXX XXXX XXXX  Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$1800.00} Account Status PAYS_AS_AGREED Available Credit Account History The tables below show up to 24 months historical data. If a table is blank, this data was not provided to Equifax. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} {$1700.00} {$1700.00} {$1700.00} {$1700.00} {$1700.00} {$1700.00} XXXX {$1700.00} {$1700.00} {$1700.00} {$1700.00} {$1700.00} {$1700.00} {$1800.00} {$1800.00} {$1800.00} {$1800.00} {$1800.00} {$1800.00} XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$17.00} {$17.00} {$17.00} XXXX {$17.00} {$17.00} {$17.00} {$17.00} {$17.00} {$18.00} {$18.00} {$18.00} {$18.00} XXXX Actual Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX Page XXXX of 42 Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount Past Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on Time 30 30 Days Past Due 150 150 Days Past Due 180 180 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$1700.00} Payment Responsibility INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 120 MONTHS Balance {$1800.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity XX/XX/XXXX Scheduled Payment Amount {$18.00} XXXX XXXX | XX/XX/XXXX Page XXXX of 42 Months Reviewed XXXX Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Education Loan Date Closed Date of XXXX XXXX XXXX XXXX XXXX loan Fixed rate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$200.00} Account Status CHARGE_OFF Available Credit - {$6.00} Account History The tables below show up to 24 months historical data. If a table is blank, this data was not provided to Equifax. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} XXXX {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Actual Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Credit Limit XXXX XXXX | XX/XX/XXXX Page XXXX of 42 Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} XXXX {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} XXXX Amount Past Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} XXXX {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} {$200.00} XXXX Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} Account Type REVOLVING Terms Frequency UNKNOWN Term Duration Balance {$200.00} Date Opened XX/XX/XXXX Amount Past Due {$200.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX Date of Last Activity Scheduled Payment Amount Months Reviewed XXXX Delinquency First Reported XX/XX/XXXX Activity Designator CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$200.00} Balloon Payment Date Balloon Payment Amount Loan Type Credit Card Date Closed Date of First Delinquency XX/XX/XXXX Comments Contact Account closed at consumers request Charged off account Credit card XXXX XXXX XXXX XXXX XXXX CAMPUS XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Available Credit {$500.00} The tables below show up to 24 months historical data. If a table is blank, this data was not provided to Equifax. 
XXXX XXXX XXXX up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Paid on Time 30 30 Days Past Due 150 150 Days Past Due 180 180 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$100.00} XXXX XXXX XXXX XXXX XXXX {$500.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration Balance {$0.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity XX/XX/XXXX Scheduled Payment Amount $ 0 Months Reviewed XXXX Delinquency First Reported Activity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Secured Credit Card Date Closed XX/XX/XXXX Date of First Delinquency Comments Contact Closed or paid account/zero balance Account closed by credit grantor Secured credit card XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Soft Inquiries Inquiries that do not impact your credit rating/score These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to 2 years. 
Date Company Request Originator Description XX/XX/XXXX EQUIFAX XXXX ( XXXX ) ID Report XX/XX/XXXX EQUIFAX XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX EQUIFAX CONSUMER SERVICES Direct to Consumer Report XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX XXXX to XXXX Report XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XX/XX/XXXX XXXX XXXX, XXXX Credit Report XX/XX/XXXX EQUIFAX XXXX XXXX XXXX to XXXX Report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Report XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Report XX/XX/XXXX XXXX XXXX XXXX Credit Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Report 15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : 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 of convictions and crimes which antedates the report by 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief