Consumer complaint received 2024-07-13 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:
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : 1 ) The following account is reporting incorrect and inaccurate information. 
Account name : XXXX/Dofed 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 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. 

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.

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