Consumer complaint received 2025-08-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo Data Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$300.00} from XX/XX/XXXX to XX/XX/XXXX ; {$300.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$200.00} from XX/XX/XXXX to XX/XX/XXXX ; {$200.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$520.00} {$25.00} Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Authorized Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current Account Terms {$25.00} per month ; paid Monthly High Balance ( Hist. ) High balance of {$670.00} from XX/XX/XXXX to XX/XX/XXXX ; {$690.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX Remarks Account previously in dispute-now resolved. reported by credit grant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} {$550.00} Account Information Address XXXX XXXX XXXX CT XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$580.00} Last Payment Made XX/XX/XXXX Pay Status >Account XXXX XXXX XXXX XXXX XXXX Terms {$550.00} per month, paid Monthly for XXXXXXXX XXXX  Estimated month and year this item will be removed XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -No Data Account Information Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$890.00} Credit Limit {$500.00} Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo Data Account Information Address XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX XXXX XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Payment Received {$55.00} Last Payment Made XX/XX/XXXX High Balance {$60.00} Credit Limit {$750.00} Pay Status >Paid, XXXX XXXX was XXXX XXXX past due XXXX Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Estimated month and year this item will be removed XXXX/XXXX Remarks CLOSED XXXX & XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX  -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$220.00} Original Creditor XXXX  Past Due {$220.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTIONXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo Data Account Information Address XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$710.00} Original Creditor XXXX  XXXX XXXX  NA Past Due {$710.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTIONXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo Data Account Information Address XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type XXXX Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$890.00} Original Creditor VXXXX XXXX XXXX XXXX  Past Due {$890.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR XXXX

Company response to consumer: Closed with non-monetary relief