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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that that the credit bureaus will investigate these accounts for me to ensure accuracy here is the accounts I am asking you to verify as accurate : 1 ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is presenting incorrect and inaccurate information on alleged 30 days past due payments. 
This account is reporting incorrect information as the correct balance is XXXX. 
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.

Please immediately remove these 30-day delinquencies from my credit report as required by the Fair Credit Reporting Act.

This account is duplicated on my credit report, please remove from my credit report.

2 ) The following account is reporting incorrect, inaccurate and imprecise information. 
The following fraudulent account must be removed from my credit report. 
Account name : XXXX XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is reporting incorrect information as the correct balance is XXXX. 
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.

Please immediately remove these 30-day delinquencies from my credit report as required by the Fair Credit Reporting Act.

This account is duplicated on my credit report, please remove from my credit report.

3 ) The following account is reporting incorrect, inaccurate and imprecise information.

The following fraudulent account must be removed from my credit report. 
Account name : XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is reporting incorrect information as the correct balance is XXXX. 
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.

Please immediately remove these 30-day delinquencies from my credit report as required by the Fair Credit Reporting Act.

This account is duplicated on my credit report, please remove from my credit report. 

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

Financial Institution : XXXX XXXX Inquiry Date : Inquiry : XXXX I have not authorized this transaction, please delete from my credit report. 

Your immediate attention to this matter is greatly appreciated. Please send me a copy of my updated credit report as soon as your investigation is complete. 

Thanks.

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