Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
XXXXDear Sir/Madam, I am writing to formally dispute the information contained in my credit report. The following accounts are being disputed due to potential inaccuracies and violations under the Fair Credit Reporting Act ( FCRA ), including but not limited to : Violation of 15 U.S.C. 1681e ( b ) for failure to maintain reasonable procedures to ensurethe maximum possible accuracy of the information Violation of 15 U.S.C. 1681g for failure to provide accurate consumer information Violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation intodisputed information Violation of 15 U.S.C. 1681s-2 ( b ) for failure to investigate disputed items reported by aconsumer Violation of 15 U.S.C. 1681b for improper reporting or sharing of consumer credit datawithout consent Potential violation due to exposure to data breach or mishandling of sensitive consumerdata My details are as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last four digits ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX The disputed accounts are listed below : XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} Collection XXXX XXXXXXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$99.00} Collection -Installment XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : $ XXXX - Installment XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : Delinquent Revolving XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$440.00} Collection - Installment XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$870.00} Collection - Installment XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$830.00} Collection -Installment XXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$1200.00} Collection - Installment XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$6900.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} Collection - Installment XXXX XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$7600.00} AutoLoan XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$240.00} ChargeAccount XXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$970.00} Installment XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} Installment XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} Secured Installment XXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$63.00} XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} ChargeAccount XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} CreditLineSecured XXXX  : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} NoteLoan XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} Installment

Company response to consumer: Closed with non-monetary relief