Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX INC
$XXXX  
Balance updatedXX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number XXXX
Original creditor
XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date openedXX/XX/2018
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX  Balance
XXXX
Balance updated
XX/XX/2022
Original balance
$XXXX  Paid off
0%
Monthly payment
-
Past due amount
$XXXX  Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection

Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX0
Comments
-

Prepared For XXXX XXXXDate generated: XX/XX/2022
XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX  $XXXX  
Balance updated XX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number XXXX
Original creditor XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
$XXXX  Balance updated
XX/XX/2022
Original balance
$XX/XX/XXXXPaid off
0%
Monthly payment
-
Past due amount
$XX/XX/XXXXTerms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XX/XX/2022
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection

Data Unavailable
Contact info
Address
XX/XX/1508
Phone number
XXXX XXXX  Comments
-

Prepared For XXXX XXXXDate generated:XX/XX/2022
XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
XXXX

Balance updated XX/XX/2022

Account info
Account name
XX/XX/XXXXAccount number
XX/XX/2452Original creditor XXXX XXXX XXXX XXXX Company sold
-
Account type
Collection
Date openedXX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
XXXX
Balance updated
XX/XX/2022Original balance XXXX  Paid off
0%
Monthly payment
-
Past due amount
$XXXX  Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX 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
Collection

Data Unavailable
Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX  Comments
-

Prepared For XXXX XXXXDate generated: XX/XX/2022XXXX XXXX XXXX  Original creditor: XXXX XXXX XXXX XXXX  XXXX  
Balance updatedXX/XX/2022

Account info
Account name
XXXX XXXX XXXX
Account number
XXXX
Original creditoXXXX XXXX XXXX XXXX XXXX  Company sold
-
Account type
Collection
Date opened
XX/XX/2017Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
$XXXX  Balance updated
XX/XX/2022
Original balance
$XXXX  Paid off
XXXX%
Monthly payment
-
Past due amount
$XXXX  Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection

Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX
Comments
-

Prepared For XXXX XXXXDate generated:XX/XX/2022 XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
$XXXX  
Balance updatedXX/XX/2022

Account info
Account name
XXXX XXXX XXXX
Account number XXXX  Original creditor
XXXX XXXX XXXX XXXX  Company sold
-
Account type
Collection
Date openedXX/XX/2018
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated XXXX XXXX  Balance
$XXXX  Balance updated
XX/XX/2022
Original balance
$XXXX  Paid off
0%
Monthly payment
-
Past due amount
$XXXX  Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection

Data Unavailable
Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number
XXXX XXXX  Comments
-

Prepared For XXXX XXXXDate generated: XX/XX/2022
XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
$XXXX  
Balance updated XXXX XXXX XXXX

Account info
Account name
XXXX XXXX XXXX
Account number
XXXX  Original creditor XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date openedXX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XX/XX/2017
Balance
$XXXX  Balance updated XX/XX/2022
Original balance
XXXX  Paid off
0%
Monthly payment
-
Past due amount
$XXXX  Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection

Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX
Comments
-

Prepared For XXXX XXXXDate generatedXX/XX/2022 XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
$XXXX  
Balance updatedXX/XX/2022

Account info
Account name
XXXX XXXX XXXX
Account number
XXXX  Original creditor XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated XXXX XXXX
Balance XXXX
Balance updated
XX/XX/2022
Original balance XXXX
Paid off
0%
Monthly payment
-
Past due amount XXXXXXXX  Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection

Data Unavailable
Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX
Comments
-

Prepared For XXXX XXXXDate generated:XX/XX/2022 XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX

Balance updated XX/XX/2022

Account info
Account name
XXXX XXXX XXXX
Account number XXXX
Original creditor XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
XXXX
Balance updated
XX/XX/2022Original balance
$XXXX
Paid off
0%
Monthly payment
-
Past due amount
$XXXX  Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection

Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number
XXXX XXXX
Comments
-

Prepared For XXXX XXXXDate generated:XX/XX/2022 XXXX XXXX XXXX  Original creditor: XXXX XXXX XXXX

Balance updated XX/XX/2022

Account info
Account name
XXXX XXXX XXXX
Account number
XXXX  Original creditor
XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2021Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX  Balance XXXX
Balance updated
XX/XX/2022
Original balance XXXX
Paid off
0%
Monthly payment
-
Past due amount XXXX  Terms
1 Month
Responsibility
Joint Account
Your statement
-
Payment history XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection

Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX
Comments
Account information disputed by consumer

Prepared For XXXX XXXXDate generated:XX/XX/2022Public records
No public records reported.

Prepared For XXXX XXXXDate generated: XX/XX/2022
Inquiries
XXXX   
Inquired on XX/XX/2021

Business Type: Bank Credit Cards XXXX XXXX XXXX XXXX XXXX,XXXX

XXXX XXXX  
This inquiry is scheduled to continue on record until XXXX XXXX

XXXX XXXX XXXX

Inquired on XX/XX/2021

Business Type: Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
This inquiry is scheduled to continue on record until XXXX XXXX XXXX  
Inquired onXX/XX/2021

Business Type: Auto Reseller

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX

Inquired on XX/XX/2021

Business Type: Bank Credit Cards

XX/XX/1972
By mail only

This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  
Inquired onXX/XX/2021

Business Type: Federal Government

XXXX XXXX XXXX XXXX XXXX

XXXX XXXX

This inquiry is scheduled to continue on record until XXXX XXXX  

Prepared For XXXX XXXXDate generated: XX/XX/2022

Company response to consumer: Closed with explanation