Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX  XXXX : XXXX XXXX, XXXX - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

XXXX {$0.00} Credit limit $ XXXX  Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made XXXX  % 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 Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Amount past due {$0.00} Worst Payment Status Charge-off Account Details Account status Transferred Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Times 30/60/90 days late XXXX Closed No Info XXXX XXXX XXXX Reported : XX/XX/XXXX - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX  Monthly payment No Info Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made XXXX  % 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 Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Paid and Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor XXXX XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX - {$1000.00} Closed Overview You're currently using XXXX  % of your account 's limit. 

Balance {$1000.00} Credit limit $ XXXX  Monthly payment No Info Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made XXXX  % 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 {$1000.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Charged off account Times 30/60/90 days late XXXX Closed No Info XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Closed Overview You have XXXX  % left to pay on this loan. 

Balance {$1400.00} Highest Balance No Info Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Term XXXX  months Payment History Youve made XXXX  % 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 Worst Payment Status Charge-off Account Details Account status Closed Type Unsecured Responsibility Individual Account. 
Remarks Charged off account Times 30/60/90 days late XXXX Closed No Info You could dispute an error with Equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You have 0 % left to pay on this loan. 

Balance {$0.00} Highest Balance $ 300 Monthly payment No Info Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months Payment History Youve made XXXX  % 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 Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Paid and Closed Type Secured Responsibility Individual Account. 
Remarks Fixed rate Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX You could dispute an error with Equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$0.00} Closed Overview You have XXXX  % left to pay on this loan. 

Balance {$0.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months Payment History Last payment XXXX. XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Paid and Closed Type Secured Responsibility Individual Account. 
XXXX XXXX XXXX XXXX 30/60/90XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. 

XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Collections 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 + {$7400.00} Needs Attention XXXX XXXX A Reported : XXXX XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$800.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention

Company response to consumer: Closed with non-monetary relief