Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
Account Info Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$540.00} Highest Balance - Terms 24 Months On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$200.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$200.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$240.00} Highest Balance - Terms 12 Months On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$16000.00} Highest Balance - Terms 68 Months Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Authorized user Date Opened XX/XX/XXXX Status Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} XXXX XXXX {$1000.00} Highest Balance {$990.00} Terms - On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Authorized user Date Opened XX/XX/XXXX Status Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} XXXX XXXX - Highest Balance {$1400.00} Terms 1 Months On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XXXX XXXX. 
Status Updated XXXX XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$1000.00} Highest Balance {$1600.00} Terms - On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$300.00} Highest Balance {$700.00} Terms Account Info Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$300.00} Highest Balance {$570.00} Terms Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Open. {$550.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$50000.00} Balance Updated XX/XX/XXXX Recent Payment {$1400.00} as of XX/XX/XXXX Monthly Payment {$990.00} Original Balance {$63000.00} Highest Balance - Terms 73 Months Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$290.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$290.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$290.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$700.00} Highest Balance {$1000.00} Terms - On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$580.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$400.00} Highest Balance {$640.00} Terms - On Record Until XX/XX/XXXX Account Info Account Name XXXXXXXX XXXX  Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$520.00} Highest Balance - Terms 24 Months Account Info Account Name XXXX  Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment {$0.00} Credit Limit - Highest Balance {$1100.00} Terms -

Company response to consumer: Closed with non-monetary relief