Consumer complaint received 2024-09-09 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: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Delinquent XXXX XXXX XXXX Derogatory XXXX XXXX XXXX Collections XXXX XXXX XXXX Balances {$52000.00} {$35000.00} {$34000.00} Payments {$230.00} {$260.00} {$230.00} Public records XXXX XXXX XXXX Inquiries ( 2 years ) XXXX XXXX XXXX Accounts We gathered all of the accounts listed on your report for you. Click on any account to learn more about your history and how to plan for tomorrow. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$380.00} In good standing Overview Youre currently using 11 % of your account 's limit. 
Balance : {$380.00} Credit limit : {$3500.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Charge Account Responsibility Individual Remarks Times XX/XX/XXXX Days Late XXXX Month 's Reviewed 0 Terms Count 0 Term Source Type Provided High Balance {$420.00} High Credit {$3500.00} Monthly Payment {$35.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 100 % of payments for this account on time. 

XX/XX/XXXX {$380.00} In good standing Overview Youre currently using 11 % of your account 's limit. 
Balance : {$380.00} Credit limit : {$3500.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Charge Account Responsibility Individual Remarks Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$420.00} High Credit {$3500.00} Monthly Payment {$35.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 100 % of payments for this account on time. 

XX/XX/XXXX {$380.00} In good standing Overview Youre currently using 11 % of your account 's limit. 
Balance : {$380.00} Credit limit : {$3500.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Charge Account Responsibility Individual Remarks This Is An Account XXXX XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$420.00} High Credit {$3500.00} Monthly Payment {$35.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 100 % of payments for this account on time. 

Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available 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 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 Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor information XXXX  Creditor information XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( XXXX ) XXXX Creditor information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} In good standing Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$0.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity Type Credit Card XXXX XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX XXXX Source Type High Balance {$0.00} High Credit {$0.00} Monthly Payment {$0.00} Current Payment Status As Agreed Amount Past Due Payment history No history is available Creditor information XXXX XXXX XX/XX/XXXX {$0.00} In good standing Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Late XXXX Month 's Reviewed XXXX XXXX XXXX XXXX Provided High Balance {$0.00} High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status As Agreed Amount Past Due Payment history XXXX made 100 % of payments for this account on time. 

XX/XX/XXXX {$0.00} In good standing XXXX XXXX currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks This Is An Account XXXX XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source Type Provided High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status As Agreed Amount Past Due Payment history XXXX made 100 % of payments for this account on time. 

Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : XXXX Account ID : XXXX Account ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Creditor information XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5400.00} In good standing Overview Youre currently using 30 % of your account 's limit. 
Balance : {$5400.00} Credit limit : {$18000.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX Month 's XXXX XXXX XXXX Source Type Provided High Balance {$8900.00} High Credit {$18000.00} Monthly Payment {$110.00} Current Payment Status As Agreed Amount Past Due Payment history XXXX made 100 % of payments for this account on time. 

XX/XX/XXXX {$5400.00} In good standing XXXX XXXX currently using 30 % of your account 's limit. 
Balance : {$5400.00} Credit limit : {$18000.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX Month 's XXXX XXXX XXXX Source Type Provided High Balance {$8900.00} High Credit {$18000.00} Monthly Payment {$110.00} Current Payment Status As Agreed Amount Past Due Payment history XXXX made 100 % of payments for this account on time. 

XX/XX/XXXX {$5400.00} In good standing Overview Youre currently using 30 % of your account 's limit. 
Balance : {$5400.00} Credit limit : {$18000.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Authorized User Remarks This Is An Account In Good Standing Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source Type Provided High Balance {$8900.00} High Credit {$18000.00} Monthly Payment {$110.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 100 % of payments for this account on time. 

Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ID : XXXX Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor information XXXX  Creditor information XXXX BANK XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Creditor information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Auto loans Total count XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$20000.00} Closed Overview You have 0 % left to pay on this loan. 
Balance : {$20000.00} Highest balance : {$21000.00} Account details Account Number XXXX Account Status Closed Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Joint XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type High Balance {$21000.00} High Credit {$0.00} Monthly Payment {$0.00} XX/XX/XXXX {$20000.00} Closed Overview You have 96 % left to pay on this loan. 
Balance : {$20000.00} Highest balance : {$21000.00} Account details Account Number XXXX Account Status Closed Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Joint Contractual Liability Remarks Involuntary Repossession Times XX/XX/XXXX Days Late XX/XX/XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type High Balance {$21000.00} High Credit {$21000.00} Monthly Payment {$0.00} XX/XX/XXXX {$20000.00} Closed Overview You have 96 % left to pay on this loan. 
Balance : {$20000.00} Highest balance : {$21000.00} Account details Account Number XXXX Account Status Closed Open Date XX/XX/XXXX Last Activity XXXX XXXX, XXXX Type Automobile Responsibility Joint Contractual Liability Remarks Merchandise Was Taken Back By Grantor/there XXXX Be A Balance Due Times XX/XX/XXXX Days Late XX/XX/XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$21000.00} High Credit {$21000.00} 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy XXXX XXXX Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy XXXX orforeclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : XXXX Current Payment Status Repossession/Foreclosure Amount Past Due Payment history No history is available Creditor information XXXX Current Payment Status Repossession/Foreclosure Amount Past Due Payment history Youve made 17 % of payments for this account on time. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Monthly Payment {$0.00} Current Payment Status Repossession/Foreclosure Amount Past Due Payment history Youve made 9 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Student loans Total count XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} In good standing Overview You have 0 % left to pay on this loan. 
Balance : {$5000.00} Highest balance : {$4000.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Educational Responsibility Individual Remarks XX/XX/XXXX {$5000.00} In good standing Overview You have 127 % left to pay on this loan. 
Balance : {$5000.00} Highest balance : {$4000.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Educational Responsibility Individual Remarks XX/XX/XXXX {$5000.00} In good standing Overview You have 127 % left to pay on this loan. 
Balance : {$5000.00} Highest balance : {$4000.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Educational Responsibility Individual Remarks Current Account/was Delinquent Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available 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 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 Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available 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 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 XXXX XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms XXXX XXXX Term Source Type Provided High Balance {$4000.00} High Credit {$0.00} Monthly Payment {$58.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 100 % of payments for this account on time. 

Creditor information DEPTEDXXXX XXXX XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$4000.00} High Credit {$4000.00} Monthly Payment {$58.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 100 % of payments for this account on time. 

Creditor information DEPT OF ED XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX 180 Days Past Due Date Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$4000.00} High Credit {$4000.00} Monthly Payment {$58.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 92 % of payments for this account on time. 

Creditor information DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX DEPT OF EDUCATIONXXXX XX/XX/XXXX {$2800.00} In good standing Overview XX/XX/XXXX {$2800.00} In good standing Overview XX/XX/XXXX {$2800.00} In good standing Overview Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available 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 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 Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender XXXX XXXX available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID : XXXX You have 0 % left to pay on this loan. 
Balance : {$2800.00} Highest balance : {$2300.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Educational Responsibility Individual Remarks Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$2300.00} High Credit {$0.00} Monthly Payment {$33.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 100 % of payments for this account on time. 

Creditor information DEPTEDXXXX You have 123 % left to pay on this loan. 
Balance : {$2800.00} Highest balance : {$2300.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Educational Responsibility Individual Remarks Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$2300.00} High Credit {$2300.00} Monthly Payment {$33.00} Current Payment Status As Agreed Amount Past Due Payment history XXXX made 100 % of payments for this account on time.

Creditor information DEPT OF ED XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX You have 123 % left to pay on this loan. 
Balance : {$2800.00} Highest balance : {$2300.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Educational Responsibility Individual Remarks Current Account/was Delinquent 180 Days Past Due Date Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$2300.00} High Credit {$2300.00} Monthly Payment {$33.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 92 % of payments for this account on time. 

Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available 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 XXXX Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available 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 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 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  Creditor information DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Other Total count XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$130.00} In good standing Overview You have 34 % left to pay on this loan. 
Balance : {$130.00} Highest balance : {$130.00} Account details Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks Times XX/XX/XXXX Days Late XXXX Month 's Reviewed 0 Terms Count 0 Term Source Type Provided High Balance {$130.00} High Credit {$400.00} Monthly Payment {$30.00} Current Payment Status As Agreed Amount Past Due Payment history Youve made 100 % of payments for this account on time. 

Account ID : XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 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 Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$10000.00} Closed Overview You have 0 % left to pay on this loan. 
Balance : {$10000.00} Highest balance : {$9400.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks Profit And Loss Writeoff Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type High Balance {$9400.00} High Credit {$0.00} Monthly Payment {$0.00} Current Payment Status Collection/Charge- off Amount Past Due Payment history No history is available Creditor information XXXX XXXX XXXX XXXX  XX/XX/XXXX {$7600.00} Closed Overview You have 0 % left to pay on this loan. 
Balance : {$7600.00} Highest balance : {$11000.00} Account details Account Number XXXX Account Status Closed 150 days past due Bankruptcy Repossession orforeclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX  Account ID : XXXX Account ID : XXXX Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks XXXX XXXX XX/XX/XXXX XXXX Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type High Balance {$11000.00} High Credit {$0.00} Monthly Payment {$0.00} Current Payment Status Repossession/Foreclosure Amount Past Due Payment history No history is available Creditor information HCAC FIN Hard inquiries Hard inquiries usually get added to your credit report when you apply for a new credit account. These inquiries often result in a small dip in your credit score. Take a look at the latest inquiries on your report to see if any changes have occurred. 
XXXX XXXX count XXXX XXXX XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Creditor information XXXX XXXX Hide Details XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Creditor information XXXX  XXXX XXXX  XXXX Hide XXXX XX/XX/XXXX XXXX XXXX XXXX Banking Creditor information XXXX XXXX XXXX Account ID XXXX XXXX Hide Details XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Creditor information XXXX XXXX XXXXXXXX Hide Details XX/XX/XXXX XXXX Department And Mail Order Creditor information XXXX Hide Details XX/XX/XXXX XXXX XXXX Banking Creditor information XXXX  XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX Creditor information XXXX XXXX XXXX Hide Details XX/XX/XXXX XXXX XXXX  XXXX Creditor information XXXX XXXX XXXXXXXX Details XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX  Creditor information XXXXXXXX XXXX XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Hide Details XX/XX/XXXX XXXX XXXXXXXX XXXX  Creditor information XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX  XXXX information XXXX  XXXX Hide Details XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Creditor information XXXX  XXXX XXXX XXXX Hide XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX  Creditor information XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Banking Creditor information XXXXXXXX XXXX XXXXXXXX Collections Its important that you try your best not to fall behind on payments so your account doesnt get passed on to a collections agency. This usually drops your credit score significantly.

Bureau Total count Clean slate! 
You have no collections 1 Clean slate! 
You have no collections Hide Details {$1000.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$1000.00} Unpaid Balance {$1000.00} Highest Adverse Rating Collection/Charge- off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Public Records Things that can show up on a background chec

Company response to consumer: Closed with non-monetary relief