Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Affidavit of Biblical Debt Release & FCRA Dispute Genesis 2:7 And the Lord God formed man of the dust of the ground and breathed into his nostrils the breath of life ; and man became a living soul.

Romans 13:8 Owe no man anything, but to love one another.

Deuteronomy 15:12 At the end of every XXXX years thou shalt make a release. 
I, XXXX XXXX, a living soul created by God, XXXX XXXX, not a corporate fiction, do hereby state the following under penalty of perjury : 1. I stand under Gods Law first and foremost. Any record contrary to Gods Word is null and void. ( Deut. 4:2, Col. 2:14 ). 2. The reporting of alleged late payments and unauthorized inquiries on my credit profile are false, inaccurate, and unlawful. These records enslave me contrary to scripture ( Prov. 22:7 ) and violate my rights under the Fair Credit Reporting Act ( FCRA ). 3. Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information. Under 15 U.S.C. 1681c-2, I demand a block and permanent removal of all fraudulent or inaccurate accounts, late payments, and inquiries. Under 15 U.S.C. 1666, creditors must provide written notice of any bill 21 days before payment is due. I did not receive such notice. 4. All hard inquiries made without my written authorization are unlawful under 15 U.S.C. 1681b ( Permissible Purpose Requirement ) and must be deleted immediately. 5. I have been subjected to data breaches ( Experian, TransUnion, and Equifax admitted breaches impacting billions of records ). This proves mishandling of my information and further invalidates any negative reporting.

Account History Back to Top Information on accounts you have opened in the past is displayed below. 
XXXX XXXX XXXX XXXX TransUnion Experian Equifax Account # : XXXX * * * * Account Type : Revolving Account Type - Detail : Credit line secured Bureau Code : Individual Account Status : Open Monthly Payment : {$60.00} Date Opened : XX/XX/XXXX Balance : {$60.00} No. of Months ( terms ) : XXXX High Credit : {$60.00} Credit Limit : {$2000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian OK OK OK OK OK OK OK OK OK OK OK OK OK Equifax XXXX TransUnion Experian Equifax Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$0.00} Credit Limit : {$2700.00} {$2700.00} {$2700.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Charge Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : - - - Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX Experian XXXX Equifax XXXX XXXX TransUnion Experian Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Revolving Revolving Account Type - Detail : Secured credit card Credit line secured XXXX Code : Individual Individual Account Status : Open Open Monthly Payment : {$55.00} {$55.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$69.00} {$69.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$910.00} {$910.00} Credit Limit : {$870.00} {$870.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Equifax XXXX TransUnion Experian Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Authorized User Authorized User Authorized User Account Status : Open Open Open Monthly Payment : {$40.00} {$40.00} {$40.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$830.00} {$830.00} {$830.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$4900.00} {$4900.00} {$0.00} Credit Limit : {$34000.00} {$34000.00} {$34000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX Experian OK OK Equifax XXXX XXXX TransUnion Experian Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Installment Account Type - Detail : Secured loan Secured XXXX XXXX Code : Individual Individual Account Status : Open Open Monthly Payment : {$30.00} {$30.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1900.00} {$1900.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2000.00} {$2000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK Experian OK OK OK OK OK OK OK OK OK OK OK OK OK Equifax XXXX  XXXX TransUnion Experian Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$570.00} No. of Months ( terms ) : XXXX High Credit : {$1000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK Experian Equifax XXXX TransUnion Experian Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Installment Account Type - Detail : Secured loan Secured loan Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$48.00} {$48.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$530.00} {$530.00} No. of Months ( terms ) : 24 24 High Credit : {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK Equifax XXXX XXXX TransUnion Experian Equifax Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Open Monthly Payment : {$37.00} Date Opened : XX/XX/XXXX Balance : {$200.00} No. of Months ( terms ) : XXXX High Credit : {$200.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian Equifax XXXX XXXX TransUnion Experian Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Open Monthly Payment : {$19.00} Date Opened : XX/XX/XXXX Balance : {$100.00} No. of Months ( terms ) : XXXX High Credit : {$100.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian Equifax XXXX XXXX TransUnion Experian Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Open Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Balance : {$460.00} No. of Months ( terms ) : XXXX High Credit : {$450.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian Equifax XXXX TransUnion Experian Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Installment sales contract XXXX Code : Individual Account Status : Open Monthly Payment : {$99.00} Date Opened : XX/XX/XXXX Balance : {$930.00} No. of Months ( terms ) : XXXX High Credit : {$980.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX Experian Equifax XXXX TransUnion Experian Equifax Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Installment Account Type - Detail : Installment sales contract Installment sales contract XXXX Code : Individual Individual Account Status : Closed Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$130.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian OK OK OK OK OK Equifax XXXX  XXXX TransUnion Experian Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$110.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Closed Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian Equifax XXXX XXXX TransUnion Experian Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Lease XXXX XXXX XXXX XXXX XXXX XXXX Joint Joint Joint Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$7900.00} {$7900.00} {$7900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Full termination ; obligation satisfied Full termination/obligation satisfied. 
Closed or paid account/zero balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian Equifax OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  XXXX TransUnion Experian Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$190.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian OK OK OK OK OK OK Equifax XXXX XXXX XXXX XXXX TransUnion Experian Equifax Account XXXX : XXXX * * * * Account Type : Installment Account Type - Detail : Secured loan XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$2500.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Credit line closed - consumer request - reported by subscriber. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian OK OK OK OK OK OK OK OK OK OK OK OK OK Equifax MICHIGAN XXXX XXXX TransUnion Experian Equifax Account XXXX : XXXX * * * * Account Type : Installment Account Type - Detail : Secured loan XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$500.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Experian OK OK OK OK OK Equifax Inquiries Back to Top Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to XXXX years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX Banks XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, XXXX XXXX All Banks XX/XX/XXXX Experian XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion Public Information Back XX/XX/XXXX New Account Account Number : Creditor Name : XXXX Industry Type : Student Loans Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone : Amount Delinquent : {$0.00} Account Balance : {$17000.00} Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation