Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
1. I am writing to dispute the inclusion of an account with XXXX XXXX  on my credit report. The account was a secured credit card that I opened on XX/XX/XXXX, and closed voluntarily in XX/XX/XXXX. The account was always in good standing and never had any late payments, as reflected in the payment history. 
The account status is listed as 'Paid, Closed/Never Late, ' which is accurate ; however, I believe this account should not remain on my credit report until XX/XX/XXXX, as it is closed and no longer active. Keeping it on the report serves no purpose and may negatively affect how my credit profile is evaluated.

2. I am disputing the accuracy of an account reported by XXXX XXXX XXXX on my credit report. This account pertains to a rental property shared with my former roommate, XXXX XXXX. We moved into the apartment with a {$1200.00} security deposit and paid our last months rent as required. 
The reported balance of {$1200.00} is inaccurate. The security deposit should have been applied to any outstanding charges, and there were no additional fees or unpaid rent upon vacating the property. Furthermore, I have not received any documentation or invoices from the original creditor, XXXX  XXXX NC, or XXXX XXXX XXXX to validate this debt. 

3. I am disputing the accuracy of an account with XXXX XXXX XXXX  XXXX XXXX my credit report. This account was opened on XX/XX/XXXX, as part of a credit-building program with a total goal of {$720.00}. The concept of the program was that I would make monthly payments of {$9.00}, then {$25.00}, and eventually {$35.00} until I reached the full amount, at which point the funds would be returned to me. 
However, I did not complete the payments, and the account was closed by XXXX XXXX Bank XXXX XX/XX/XXXX. While I understand the closure due to nonpayment, I believe the way the account is reportedshowing XXXX and XXXX  days past duedoes not accurately reflect the nature of this credit-building program, as no money was borrowed or spent by me. 

4. I am disputing the accuracy of an account with XXXX Now listed on my credit report. This account was opened as part of a financing agreement for the purchase of a couch from XXXX XXXX in XXXX XXXX NC. The total purchase price for the couch was {$2000.00}, but the couch was never delivered despite several months of waiting. 
I contacted both the insurance company and the owner of XXXX XXXX, explaining that the couch had not been delivered. Despite this, the owner insisted that I pay a cancellation fee of 25 % ( {$410.00} ) for a product I never received. I never signed or agreed to pay this cancellation fee, and I refused to pay for something that was never delivered. 
As a result, XXXX Now reported a balance of {$4400.00} on my credit report, which I believe is inaccurate. The reported balance does not reflect the fact that the couch was never delivered, and I should not be held responsible for this charge.

Company response to consumer: Closed with explanation