Consumer complaint received 2024-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re investigated. The inaccuracies are highly injurious to my credit score.

1 ) The following account is reporting incorrect and inaccurate information. 
Account name : XXXX Account number : # XXXX Correct balance : {$0.00} This account has been paid as agreed. 
This account is closed. 
My credit report shows this account reporting incorrect information with late payments. 
This account is an error because they were paid on time. 
Please remove the incorrect late payment information from my credit report. 
Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Pursuant to the Fair Credit Reporting Act, I will expect you to complete the verification within 30 days. 
This account is reported multiple times on my credit report, please correct immediately as stipulated by the fair Credit Reporting Act. 

2 ) The following account is reporting incorrect and inaccurate information. 
Account name : XXXX XXXX Account number : # XXXX Correct balance : {$0.00} This account has been paid as agreed. 
This account is closed. 
My credit report shows this account reporting incorrect information with late payments. 
This account is an error because they were paid on time. 
Please remove the incorrect late payment information from my credit report. 
Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Pursuant to the Fair Credit Reporting Act, I will expect you to complete the verification within 30 days. 

3 ) The following account is reporting incorrect and inaccurate information. 
Account name : XXXX Account number : XXXX Balance : {$0.00} This account has been paid as agreed. 
This account is closed. 
My credit report shows this account reporting incorrect information with late payments. 
This account is an error because they were paid on time. 
Please remove the incorrect late payment information from my credit report. 
Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.

Pursuant to the Fair Credit Reporting Act, I will expect you to complete the verification within 30 days. 

4 ) The following account is reporting incorrect and inaccurate information. 
Account name : XXXX XXXX Account number : Account # XXXX Balance : {$0.00} This account has been paid as agreed. 
This account is closed. 
My credit report shows this account reporting incorrect information with late payments. 
This account is an error because they were paid on time. 
Please remove the incorrect late payment information from my credit report. 
Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.

Pursuant to the Fair Credit Reporting Act, I will expect you to complete the verification within 30 days. 

The following inquiries have not been authorized by me, please delete the following information : Financial Institution : XXXX XXXX Inquiry Date : Inquiry : XXXX I have not authorized this transaction, please delete from my credit report. 

Please delete all inquiries that can not be validated with my signature. I do not recognize many of the inquiries that are being reported on my credit bureau. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief