Consumer complaint received 2024-09-05 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: DC

Complaint narrative:
XXXX credit report XXXX XXXX XXXX As of XX/XX/XXXX XXXX XXXX  Equifax XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also known as - Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX, OH 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 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 XXXXXXXX Employers XXXX XXXXXXXX XXXX Personal Statements No Statement ( XXXX ) present at this time Quick actions Print your report File a dispute You have XXXX openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} XXXX closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. 

Installment accounts Total balance : {$15000.00} XXXX closed accounts XXXX Total balance : {$160.00} ONLINE INFORMATION XXXX Original creditor XXXX XXXX XXXX XXXX  Balance {$160.00} Balance updated - Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your XXXX Score less over time. 

XXXX These lenders have accessed your credit file : XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX records This is where public records, such as bankruptcies, would appear on your report. 
owl-branch When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records. 

Negotiating the debt Disputing the debt XXXXXXXX XXXX XXXX with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that can help you understand your credit report and answer personal finance and credit questions! 
XXXX  Terms of Use Disclosure : By using this XXXX, you consent to the collection and use of the conversation. XXXX is from publicly available material. 



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  Personal information Name XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX 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 Personal Statements No Statement ( XXXX ) present at this time Quick actions Manage XXXX XXXX Print your report File a dispute Build credit without debt! Meet the XXXX XXXX XXXX XXXX Checking Account. 
Banking services provided by XXXX XXXX XXXX XXXX, XXXX FDIC. XXXX is not a bank. 
You have XXXX openaccounts Total balance : {$10000.00} Credit cards or credit lines Total balance : {$110.00} Build your credit with a new credit card Adding another account, keeping your card balance low and making payments on time can help show lenders you're a responsible borrower. 
new credit card XXXX XXXX XXXX XXXX XXXX Balance {$110.00} Balance updated XX/XX/XXXX XXXX closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. 

Auto loans or leases Total balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX NEGATIVE Balance {$10000.00} Balance updated XX/XX/XXXX XXXX closed account Your auto benefits XXXX XXXX with confidence Unlock personalized savings, recall notifications and current value estimates when you confirm your vehicle. 

Confirm your vehicle Personal loans Total balance : - XXXX XXXX XXXX XXXX  Balance - Balance updated - XXXX closed account XXXX XXXX has no collections on file for you as of XX/XX/XXXX. If you fall behind on payments, your lender or service provider XXXX sell your debt to a collections agency, so remember to pay on time. 
XXXX These lenders have accessed your credit file : XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlocked. 
Lock your XXXX credit file to help prevent identity theft. 

Manage access file unlocked Keep in mind, not all inquiries are factored into your XXXX  Score. Inquiries stay on your credit report for XXXX years but only impact your XXXX  Score for the first year. Also, XXXX XXXX group loan inquiries together so you aren't penalized for shopping for a better rate. 

XXXX records XXXX credit report XXXX XXXX XXXX As of XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also known as - Generational identifier - Year of birth XXXX Addresses 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 Personal Statements No Statement ( XXXX ) present at this time Quick actions Print your report File a dispute You have XXXX openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} XXXX closed account Installment accounts Total balance : {$15000.00} XXXX closed accounts Late payments stay on your report for 7 years, but they typically affect your score less over time. 

XXXX Total balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY Balance {$190.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$160.00} Balance updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your XXXX Score less over time. 

XXXX These lenders have accessed your credit file : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX records This is where public records, such as bankruptcies, would appear on your report. 


INFORMATION INCLUDED DOES NOT MATCH ON ALL XXXX CREDIT REPORTS INCORRECT NAME AND PERSONAL INFORMATION AND ADDRESSES LISTED CLOSED ACCOUNT THAT SHOULD NOT BE ON MY REPORT I NEVER GAVE PERMISSION FOR ANYTHING OF MY INFORMATION TO BE REPORTED BY ANY OF THE COMPANYS LISTED IN THE ABOVE INFORMATION LISTED

Company response to consumer: Closed with non-monetary relief