Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''The current payment status of At least 120 days or more than four payments past due is incorrect because the balance due on this account is {$0.00}. 
Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). 
It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). 
It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX  XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder or any missed payments. 
Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). 
It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$240000.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). 
It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$30000.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). 
It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$110.00}. The original creditor is XXXX XXXX. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). 
It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from US DEPARTMENT OF EDU on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief