Too many consumer finance company accounts

I glitched the system with a USAA application where they used Experian 10T.

Steps:

Take out Amex loan early last month. Amex doesn't report it.

I pay off the loan before first payment due.

Amex closes account, marks it canceled.

One month later reports the loan:

Balance updated: –

Min. monthly payment: –

Open/closed

Closed

Account type

Unsecured

Status

Paid, Closed/Never late.

There is a checkmark for a payment being made in April but no numbers. This isn't actionable. I know USAA is tough but this shouldn't be held against me. I'll call because I think it's unfair but 10T is holding hard pulls differently so probably won't qualify.