Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX {$310.00} Account info Account name XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX sold- Account type Collection Date opened XXXX XXXX, XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$310.00} Balance updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment- Past due amount {$310.00} Terms 1 Month Responsibility Individual Your statement- XXXX XXXX XXXX Original creditor : XXXX  {$930.00} Account info Account name XXXX XXXX XXXX  Account number XXXX Original creditor XXXX Company XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. {$930.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$930.00} Balance updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment- Past due amount {$930.00} Terms 1 Month Responsibility Individual Your statementXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$370.00} Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold- Account type Collection Date opened XX/XX/XXXX Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$370.00} Balance updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment- Past due amount {$370.00} Terms 1 Month Responsibility Individual Your statement- XXXX XXXX XXXX Original creditor : XXXX XXXX {$1700.00} Account info Account name XXXX XXXX XXXX Account XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Monthly payment- Past due amount {$1700.00} Terms 1 Month Responsibility Individual Your statement- XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX 
{$670.00} Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXXCompany sold- Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$670.00} Balance updated XX/XX/XXXX Original balance XXXX XXXX  Monthly payment- Past due amount {$670.00} Terms 1 Month Responsibility Individual Your statementXXXX XXXX XXXXXXXX NA Inquired on XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX By mail only XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX payments Closed Account info Account name XXXX XXXXXXXX XXXX XXXX  Account number XXXX Original XXXX Company sold- Account type Secured Loan Date opened XX/XX/XXXX Open/closed Closed Status Paid, Closed. 
Status updated XX/XX/XXXX Balance- Balance updated- Original balance {$5000.00} Monthly payment- Last Payment Date XX/XX/XXXX Terms 120 Months Responsibility Individual Your statement- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Closed Account info Account name XXXX XXXX XXXXXXXX Balance- Account XXXX XXXX Balance updated- Original creditor- Credit limit {$500.00} Company sold- Monthly payment- Account type Secured Card Last Payment Date XX/XX/XXXX Date opened XX/XX/XXXX Highest balance {$640.00} Open/closed Closed Terms- Status Paid, Closed. {$640.00} written off. 
Responsibility Individual Status updated XX/XX/XXXX Your statement- XXXX XXXX XXXX XXXX XXXX XXXX 
Closed Exceptional payment history Account info Account name XXXX XXXX XXXXXXXX, XXXX. 
Balance- Account number XXXX Balance updated- Original creditor- Original balance {$500.00} Company sold- Monthly payment- Account type Unsecured Last Payment Date XX/XX/XXXX Date opened XX/XX/XXXX Terms 3 Months Open/closed Closed Responsibility Individual Status Paid, Closed/Never late. 
Your statement- Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Account info Account name XXXX XXXX Account number XXXX Original XXXX Company sold- Account type Note Loan Date opened XX/XX/XXXX Open/closed Closed Status Paid, Closed. 
Status updated XX/XX/XXXX Balance- Balance updated- Original balance XXXX XXXX Monthly payment- Last Payment Date XX/XX/XXXX Terms 24 Months Responsibility Individual Your statement- XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account info Account name XXXX XXXX Account number XXXX Original XXXX Company sold- Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Paid, Closed. 
Status updated XXXX XXXX Balance- Balance updated- Credit limit XXXX XXXX Monthly payment- Last Payment Date XX/XX/XXXX Highest balance {$330.00} Terms- Responsibility Individual Your statement- XXXX Exceptional payment history Closed Account info Account name XXXX Balance- Account number XXXX Balance updated- Original creditor- Credit limit {$900.00} Company sold- Monthly payment- Account type Line of Credit Last Payment Date XX/XX/XXXX Date opened XX/XX/XXXX Highest balance {$0.00} Open/closed Closed Terms- Status Paid, Closed/Never late. 
Responsibility Individual Status updated XXXX XXXX Your statement- XXXX XXXXXXXX XXXX XXXX potentially negative months {$19.00} Closed Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX sold- Account type Charge Card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$19.00} written off. {$14.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$19.00} Balance updated XX/XX/XXXX Credit limit XXXX XXXX Monthly payment- Last Payment Date XX/XX/XXXX Past due amount {$14.00} Highest balance {$24.00} Terms- Responsibility Individual Your statement- XXXX XXXX XXXX XXXX negative months {$350.00} Closed Account info Account name XXXX XXXX Account number XXXX Original creditor- Company sold- Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$350.00} written off. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$350.00} Balance updated XX/XX/XXXX Credit limit XXXX XXXX Monthly payment- Last Payment Date XX/XX/XXXX Past due amount {$350.00} Highest balance {$640.00} Terms- Responsibility Individual Your statement

Company response to consumer: Closed with explanation