Consumer complaint received 2024-11-08 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 am contacting you to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ) and other sections that require accuracy, verifiability, and the prompt correction of incorrect information on credit reports.

Below, I detail the accounts with errors on my credit report : 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. 

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.

The following account is reporting incorrect and inaccurate information. 
Account name : XXXX Account XXXX : 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 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. 

By this mean I would like to remind you that you must be in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ; As follows : ( B ) Contents. As part of, or in addition to, the notice under sub-paragraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in sub-paragraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the re-investigation; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any Furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I am requesting about the details and/or procedures used to determine the accuracy and absoluteness of the information in dispute. I would like the name, address, and telephone number of any furnisher of information contacted in regards to this investigation as well. 

I believe I don't need to remind you that you have 15 days to comply with the law by providing the requested information. As a gesture of od faith and professionalism I feel you should expedite my request to correct the trade line items in my credit report. 

I am disputing the manner in which this account is reporting. Under section 1681j of the FCRA, investigate this account free of charge. 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.

I would appreciate your sending me an updated copy of file as soon as you have completed the investigation.

After the investigation is complete, please remove the comments in dispute by consumer.

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 explanation