Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
Credit cards and credit lines XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$500.00} Status Open. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$2000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. {$200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off. {$400.00} written off. {$400.00} past due as of XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$2100.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. {$450.00} past due as of XXXX XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XXXX XXXX. 
XXXX In good standing Date opened XX/XX/XXXX1 Balance - Status Paid, Closed/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$1800.00} Status Open/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$1000.00} Status Open/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$3500.00} Status Open/Never late. 
XXXX XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$1100.00} Status Open/Never late. 
XXXX XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$0.00} Status Open/Never late. 
XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX  XXXX In good standing Date opened XX/XX/XXXX XXXX {$300.00} Status Open/Never late. 
XXXX XXXX XXXX  In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$1100.00} Status Open/Never late. 
XXXXXXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$8700.00} Status Open/Never late. 
XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX XXXXXXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$990.00} Status Open/Never late. 
XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
Auto loans and leases XXXX XXXX XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$10000.00} Status Open/Never late. 
Real estate loans XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX In good standing Date opened XX/XX/XXXX Balance {$150000.00} Status Open/Never late. 
Personal loans XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$160.00} written off. 
XXXX XXXXXXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
Other XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement.

Company response to consumer: Closed with explanation