Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FactorTrust, Inc.
State: NV

Complaint narrative:
do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount?

these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE REMOVE THESE OLD ADDRESSES, EMAILS, PHONE NUMBERS, JOBS I WORK AT XXXX XXXX I LIVE AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX MY EMAIL IS XXXX MY PHONE IS XXXX FactorTrust Consumer Disclosure Credit Report Report Number : XXXX Report Date : XX/XX/XXXX To view a summary of your rights under the Fair Credit Reporting Act, please click on the following link : XXXX : XXXX Subject Name : XXXX XXXX XXXX Social Security Number : XXXX In File since : XX/XX/XXXX Date of Birth : XXXX Dispute Date : ADDRESSES Date Reported Address Dispute Date XX/XX/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 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 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 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 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 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 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 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 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 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 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 XXXXXXXX EMPLOYERS Date Reported Employer Stated Monthly Income Payroll Frequency Dispute Date XXXX XXXX XXXX XXXXXXXX  {$6000.00} XXXX XXXX XXXX XXXX XXXX   {$6000.00} Weekly XXXX XXXX XXXX XXXX   {$6000.00} Weekly XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  {$6000.00} Weekly XX/XX/XXXX EMPLOYER NAME {$8600.00} Monthly XX/XX/XXXX XXXX XXXX {$16000.00} Monthly XX/XX/XXXX XXXX XXXX {$8000.00} Weekly XX/XX/XXXX XXXX XXXX {$5000.00} Weekly XX/XX/XXXX XXXX  XXXX  {$4500.00} Bi-weekly XX/XX/XXXX XXXX XXXX {$3000.00} Semi-Monthly XX/XX/XXXX XXXX {$3000.00} Bi-weekly File Summary Public Records : XXXX Collections : XXXX Total Trades : XXXX Negative Trades : XXXX Open Trades : XXXX Inquiries : XXXX Type High XXXX Current Balance Total Currently Past Due Periodic Payment Available Credit Payday {$0.00} {$0.00} {$0.00} NA 0 % ALERTS No Alerts on file SECURITY FREEZE None CONSUMER STATEMENTS None OPT OUT None Public Records sourced by XXXX No Public Records on file No Bankruptcies on file No Judgements/Liens on file Public Record Dispute Information : If you have questions or would like to file a dispute, please contact XXXX by phone at XXXX or mail at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX. 


TRADES No Trades on file BANK ACCOUNTS Date Reported Routing Number Account Number Dispute Date XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX PAYMENTS No Payments on file INQUIRIES INITIATED BY CONSUMER ACTION Inquiries Initiated By Consumer Action refers to inquiries resulting from a transaction initiated by you. These include applying for a credit card or completing an application at a financial institution. Please note that the inquiries are part of your credit history and may be included in our reports to others. 

Inquiry Date Company ID XXXX Name Company Contact Consumer Dispute Date XX/XX/XXXX XXXX XXXX, XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX MT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX PROMOTIONAL INQUIRIES The companies listed received your name, address and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and do not affect your score. 

None ACCOUNT REVIEW INQUIRIES The listing of a company 's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not be used in scoring your credit file ( except insurance companies may have access to other insurance company inquiries, certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries, where permitted by law ). 

Date Customer ID Name Consumer Contact XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( fna XXXX  ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( fna XXXX  ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( fna XXXX  ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( fna XXXX  ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( fna XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( fna XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fna XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( fna XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ( fna XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX fna XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. ( fna XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ADDITIONAL XXXX XXXX XXXX XXXX XXXX XXXX may be provided to FactorTrust by XXXX XXXX The most recent information FactorTrust received from XXXX relative to you is listed below, however, the information contained on the files of XXXX, may have changed since it was provided to FactorTrust. If you have questions or wish to dispute the accuracy of the information reported below, please see the Notices section of this correspondence for more information regarding how to submit a dispute. 

Date information received : XX/XX/XXXX Name Value Dispute Date Account Closures ( Forcible ) Number Past 30 Days XXXX Account Closures ( Forcible ) Number Past 60 Days XXXX Account Closures ( Forcible ) Number Past 90 Days XXXX Account Closures ( Forcible ) Number Past 180 Days XXXX Account Closures ( Forcible ) Number Past Year XXXX Account Closures ( Forcible ) Number Past Two Years 1 Account XXXX XXXX XXXX XXXX XXXX Account Closures ( Forcible ) Days Since Most Recent Closure XXXX Account Closures ( Forcible ) Days Since First Closure XXXX Previous Account Inquiries Number Past 30 Days XXXX Previous Account Inquiries Number Past 60 Days XXXX Previous Account Inquiries Number Past 90 Days XXXX Previous Account Inquiries Number Past 180 Days XXXX Previous Account Inquiries Number Past Year XXXX Previous Account Inquiries Number Days Since Last Inquiry XXXX Previous Account InquiriesNumber Days Since First Inquiry XXXX Score Value XXXX Date information received : XX/XX/XXXX Name Value Dispute Date Account Closures ( Forcible ) None Found Y Check Orders Detail XXXX XXXX XXXX Check Orders Detail XXXX Account Number XXXX Check Orders Detail XXXX Institution Name XXXX XXXX XXXX  Check Orders Detail XXXX Quantity Ordered XXXX Check Orders Detail XXXX Last Start Number XXXX Check Orders None Found XXXX Check Orders Number Past 30 Days XXXX Check Orders Number Past 60 Days XXXX Check Orders Number Past 90 Days XXXX Check Orders Number Past 180 Days XXXX Check Orders Number Past Year XXXX Check Orders Number Past 2 Years XXXX Check Orders Number Past 3 Years XXXX Check Orders Number of Different Accounts XXXX Check Orders Number Days Since Most Recent Order XXXX Check Orders Number Days Since First Order XXXX Check Orders Number Checks Ordered Past 30 Days XXXX Check Orders Number Checks Ordered Past 60 Days XXXX Check Orders Number Checks Ordered Past 90 Days XXXX Check Orders Number Checks Ordered Past 180 Days XXXX Check Orders Number Checks Ordered Past Year XXXX Check Orders Number Checks Ordered Past 2 Years XXXX Check Orders Number Checks Ordered Past 3 Years XXXX Check Orders Minimum Number Checks Ordered XXXX Check Orders Maximum Number Checks Ordered XXXX Check Orders Average Number Checks Ordered XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Name XXXX Consumer Address XXXX XXXX  XXXX XXXX Consumer City XXXX  XXXX XXXX XXXX XXXX NV XXXX Zip XXXX Consumer Drivers License State NV XXXX Drivers License Number XXXX Consumer Home Phone XXXX Consumer Alternate First Name XXXX XXXX Consumer Alternate Last Name XXXX XXXX XXXX Consumer Alternate First Name XXXX XXXX Consumer Alternate Last Name XXXX XXXX  Consumer Alternate Address XXXX XXXX XXXX XXXX Consumer Alternate City XXXX XXXX  XXXX XXXX Consumer Alternate State XXXX NV Consumer Alternate Zip XXXX XXXX Consumer Alternate Address XXXX XXXX XXXX XXXX XXXX XXXX Consumer Alternate City XXXX XXXX XXXX XXXX XXXX XXXX CA Consumer Alternate Zip XXXX XXXX XXXX and Non XXXX Previous Account Inquiries None Found XXXX XXXX and Non XXXX Previous Account Inquiries Number Past 3 Years XXXX Fraud Account Closures None Found Y No Data Found XXXX Government Number Validation Message Text BECAME AVAILABLE FOR ISSUANCE IN XXXX IN CA Non XXXX Previous Account Inquiries None Found XXXX Non XXXX Previous Account Inquiries Number Past 30 Days XXXX Non XXXX Previous Account Inquiries Number Past 60 Days XXXX Non XXXX Previous Account Inquiries Number Past 90 Days XXXX Non XXXX Previous Account Inquiries Number Past 180 Days XXXX Non XXXX Previous Account Inquiries Number Past Year XXXX Non XXXX Previous Account Inquiries Number Past 2 Years XXXX Non XXXX Previous Account Inquiries Number Past 3 Years XXXX Non XXXX Previous Account Inquiries Number Days Since Recent Inquiry XXXX Non XXXX Previous Account Inquiries Number Days Since First Inquiry XXXX Non XXXX Previous Auto Account Inquiries None Found XXXX Non XXXX Previous Auto Account Inquiries Number Past 30 Days XXXX Non XXXX Previous Auto Account Inquiries Number Past 60 Days XXXX Non XXXX Previous Auto Account Inquiries Number Past 90 Days XXXX Non XXXX Previous Auto Account Inquiries Number Past 180 Days XXXX Non XXXX Previous Auto Account Inquiries Number Past Year XXXX Non XXXX Previous Auto Account Inquiries Number Past 2 Years XXXX Non XXXX Previous Auto Account Inquiries Number Past 3 Years XXXX Non XXXX Previous Auto Account Inquiries Number Days Since Recent Inquiry XXXX Non XXXX Previous Auto Account Inquiries Number Days Since First Inquiry XXXX Non XXXX Previous Credit Account Inquiries None Found XXXX Non XXXX Previous Credit Account Inquiries Number Past 30 Days XXXX Non XXXX Previous Credit Account Inquiries Number Past 60 Days XXXX Non XXXX Previous Credit Account Inquiries Number Past 90 Days XXXX Non XXXX Previous Credit Account Inquiries Number Past 180 Days XXXX Non XXXX Previous Credit Account Inquiries Number Past Year XXXX Non XXXX Previous Credit Account Inquiries Number Past 2 Years XXXX Non XXXX Previous Credit Account Inquiries Number Past 3 Years XXXX Non XXXX Previous Credit Account Inquiries Number Days Since Recent Inquiry XXXX Non XXXX Previous Credit Account Inquiries Number Days Since First Inquiry XXXX Non XXXX Previous Other Account Inquiries None Found Y Non XXXX Previous Payday Account Inquiries None Found Y Non XXXX Previous Utility Account Inquiries None Found Y Previous Account Inquiry Detail XXXX Date XXXX Previous Account Inquiry Detail XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX State CA Previous Account Inquiry Detail XXXX Zip XXXX Previous Account Inquiry Detail XXXX Date XXXX Previous Account Inquiry Detail XXXX CustName XXXX XXXX XXXX XXXX Previous Account Inquiry Detail XXXX XXXX VA XXXX Account XXXX XXXX XXXX Zip XXXX Previous Account Inquiry Detail XXXX Date XXXX Previous Account Inquiry Detail XXXX XXXX XXXX XXXX XXXX XXXX Previous Account Inquiry Detail XXXX State MD Previous Account Inquiry Detail XXXX Zip XXXX Previous Account Inquiry Detail XXXX Date XXXX Previous Account Inquiry Detail XXXX XXXX XXXX XXXX XXXX XXXX Previous Account Inquiry Detail XXXX State MA Previous Account Inquiry Detail XXXX Zip XXXX Previous Account Inquiry Detail XXXX Date XXXX Previous Account Inquiry Detail XXXX XXXX XXXX XXXX XXXX XXXX Previous Account Inquiry Detail XXXX State NY Previous Account Inquiry Detail XXXX Zip XXXX Previous Account Inquiries None Found XXXX Previous Account Inquiries Number Past 30 Days XXXX Previous Account Inquiries Number Past 60 Days XXXX Previous Account Inquiries Number Past 90 Days XXXX Previous Account Inquiries Number Past 180 Days XXXX Previous Account Inquiries Number Past Year XXXX Previous Account Inquiries Number Past 2 Years XXXX Previous Account Inquiries Number Past 3 Years XXXX Previous Account Inquiries Number Days Since Recent Inquiry Past 3 Years XXXX Previous Account Inquiries Number Days Since First Inquiry Past 3 Years XXXX Privacy Msg ID XXXX Privacy Msg Text NO CONSUMER PRIVACY DATA ON FILE Retail None Found Y Score Value XXXX Score Reason Code XXXX FC Score Reason Code XXXX XXXX Score Reason Code XXXX FE Score Reason Code XXXX FI Score Reason Text XXXX INSUFFICIENT DDA HISTORY Score Reason Text XXXX UNIQUE DDA INQUIRY ACTIVITY Score Reason Text XXXX UNIQUE DDA ACTIVITY Score Reason Text XXXX RECENT UNIQUE FI DDA INQUIRY HISTORY XXXX XXXX Previous Account Inquiries None Found Y US Non XXXX Previous Account Inquiries None Found XXXX US Non XXXX Previous Account Inquiries Number Past 30 Days XXXX XXXX Non XXXX Previous Account Inquiries Number Past 60 Days XXXX XXXX Non XXXX Previous Account Inquiries Number Past 90 Days XXXX XXXX Non XXXX Previous Account Inquiries Number Past 180 Days XXXX XXXX Non XXXX Previous Account Inquiries Number Past Year XXXX XXXX Non XXXX Previous Account Inquiries Number Past 2 Years XXXX XXXX Non XXXX Previous Account Inquiries Number Past 3 Years XXXX XXXX Non XXXX Previous Account Inquiries Number Days Since Recent Inquiry Past 3 Years XXXX XXXX Non XXXX Previous Account Inquiries Number Days Sin

Company response to consumer: Closed with explanation