Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
PAID IN MASTER SETTLEMENT SEE ATTACHED 1 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$5300.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$5300.00} Highest Balance {$5300.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXX  XXXX  Closed No Info See an error? Account is being reported incorrectly as owed to XXXX  AS ORIGINAL OWNER The above referenced account is being reported as open. I have disputed this account I have not received the original documents from guarantor of this account I have never had a contract with this company. never had a court judgment. this is an account that has been sold to XXXX and this account was paid in a master settlement {$5800.00} to XXXX XXXX XXXX. 


I have disputed this account I have not received the original documents from guarantor of this account If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$5300.00} Needs Attention Overview You have 100 % left to pay on this collection. 


2 ) PAID IN MASTER SETTLENT TO XXXX XXXX XXXX SEE ATTACHED XXXX XXXX  Reported : XXXX. XXXX, XXXX - {$3400.00} Closed Overview You're currently using 132 % of your account 's limit. 

Balance {$3400.00} Credit limit $ 2600 Monthly payment No Info Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 0 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Amount past due {$3400.00} Worst Payment Status 120+ Days Late Account Details Account status Derogatory Type Credit Card Responsibility Individual Remarks Profit and loss write-off Account closed by credit grantor Account closed by credit grantor XXXX XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX See an error? 
Dispute Something not right? Visit the Dispute Center to submit or check the status of an ongoing dispute with XXXX. 

Go to dispute center Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported : XXXX. XXXX, XXXX - {$2200.00} Closed Overview You're currently using 138 % of your account 's limit. 

Balance {$2200.00} Credit limit $ 1650 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 0 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$2200.00} Worst Payment Status 120+ Days Late Account Details Account status Derogatory Type Credit Card Responsibility Individual Remarks Profit and loss write-off Dispute resolved reported by grantor Account closed by credit grantor Dispute resolved reported by grantor XXXX XX/XX/XXXX days late XXXX

Company response to consumer: Closed with non-monetary relief