LEXISNEXIS CFPB Complaints

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Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 38655
Web
LEXISNEXIS/XXXX XX/XX/2022 To whom it may concern, My name is XXXX XXXX XXXX and Im writing you this because I was recently thumbing thru my Consumer report the other day & realized that the information provided on my Consumer report is inaccurate. *XXXX Account number XXXX is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; And is in violation of : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also is in violation of : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also is in violation of : 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. ( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ). ( d ) Prohibitions ( 1 ) Certification A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. ( 3 ) Certain public record information Except as otherwise provided in section 1681k of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished. ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. Also is in violation of : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also is in violation of : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. = damages on business loans because of the information you provided on my credit report Also is in violation of : 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also is in violation of : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Also is in violation of : 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Also is in violation of : 15 U.S. Code 1640 - Civil liability prev | next ( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; ( 2 ) ( A ) ( i ) in the case of an individual action twice the amount of any finance charge in connection with the transaction, ( ii ) in the case of an individual action relating to a consumer lease under part E of this subchapter, 25 per centum of the total amount of monthly payments under the lease, except that the liability under this subparagraph shall not be less than {$200.00} nor greater than {$2000.00}, ( iii ) in the case of an individual action relating to an open end consumer credit plan that is not secured by real property or a dwelling, twice the amount of any finance charge in connection with the transaction, with a minimum of {$500.00} and a maximum of {$5000.00}, or such higher amount as may be appropriate in the case of an established pattern or practice of such failures ; [ 1 ] or ( iv ) in the case of an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} ; or Also is in violation of : 15 U.S. Code 1635 - Right of rescission as to certain transactions prev | next ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. Also is in violation of : 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also is in violation of : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also is in violation of : 15 U.S. Code 1681a - Definitions ; rules of construction ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also is in violation of : 15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Also is in violation of : 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. Also is in violation of : 15 U.S. Code 1635 - Right of rescission as to certain transactions ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section - *XXXX Account Number XXXX is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; And is in violation of : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also is in violation of : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also is in violation of : 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. ( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ). ( d ) Prohibitions ( 1 ) Certification A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. ( 3 ) Certain public record information Except as otherwise provided in section 1681k of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished. ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. Also is in violation of : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also is in violation of : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. = damages on business loans because of the information you provided on my credit report Also is in violation of : 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also is in violation of : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Also is in violation of : 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Also is in violation of : 15 U.S. Code 1640 - Civil liability prev | next ( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; ( 2 ) ( A ) ( i ) in the case of an individual action twice the amount of any finance charge in connection with the transaction, ( ii ) in the case of an individual action relating to a consumer lease under part E of this subchapter, 25 per centum of the total amount of monthly payments under the lease, except that the liability under this subparagraph shall not be less than {$200.00} nor greater than {$2000.00}, ( iii ) in the case of an individual action relating to an open end consumer credit plan that is not secured by real property or a dwelling, twice the amount of any finance charge in connection with the transaction, with a minimum of {$500.00} and a maximum of {$5000.00}, or such higher amount as may be appropriate in the case of an established pattern or practice of such failures ; [ 1 ] or ( iv ) in the case of an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} ; or Also is in violation of : 15 U.S. Code 1635 - Right of rescission as to certain transactions prev | next ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. Also is in violation of : 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also is in violation of : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also is in violation of : 15 U.S. Code 1681a - Definitions ; rules of construction ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also is in violation of : 15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Also is in violation of : 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or ca
08/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30350
Web
I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( DF793 ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/2019. By : XXXX XXXX Incorrect erroneous Accounts : 1. XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 2. XXXX 3. XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Incorrect Address : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX XXXX. 12. XXXX XXXX XXXX XXXX XXXX XXXX. 13. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX XXXX XXXX
07/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • DC
  • 20004
Web Servicemember
On XX/XX/XXXX, my old car stopped working and retired. On XXXX XXXX XXXX XXXX I started to search for a new car, what was my plan since XX/XX/XXXX. I just could not afford it before. I found a car on XXXX Car Buying program, ( My Auto Insurance company is XXXX and they help to clients to buy search for a car from their website to help to connect to XXXX POC in Dealt ship ). Simultaneously I submitted an app. for Auto Loan for Financing with XXXX, but they offered to me 8.09 % on {$30000.00} or {$40000.00}, and it is too high for me, and I declined it. the XXXX also offers to plan expenses for a new car : what Insurance cost will be? gasoline cost? garage? maintenance? titles and registration. It was helpful tool. The XXXX quoted to me online, in this tool application to calculate the expenses which I will face after I purchase a car. I used their app ; .Acc. to XXXX App about costs : they quoted to me Insurance Premiums about $ 400-500 a 6 month Premiums. I run this application several times, and they saved it on my account. It was always no more than {$500.00}. I understand that it is only a quote, but it was give n to me by a very prestigious auto insurance whom I trusted since XX/XX/XXXX. On XX/XX/XXXX, I came to bank to buy my car and draw checks for dealer, and I called to XXXX in order to obtain a Driver Card from XXXX with Invoice with all the costs. I spoke with XXXX of XXXX auto insurance. XXXX quoted me {$560.00} or so for 6 month. On XX/XX/XXXX I was in Dealership in XXXX, VA, and I submitted all XXXX information to my dealer to buy my car,. ON XX/XX/XXXX, I called again to XXXX in order to talk about how to lower my Premiums. It was expensive and I wanted to ask, what can be done in order to lower my Premiums. On XX/XX/XXXX I spoke with XXXX ID # XXXX, she quoted me Policy for {$560.00} we spoke at XXXX. I spoke on XXXX XXXX, with XXXX and I submit attached docs. copies of XXXX statements with notes on the Invoices and names of the Agents, and dates and times. Last time, to my best memory, I spoke on XX/XX/XXXX, ith XXXX, agent. who helped me to reduce a little my Premiums by increasing my Deductible amount to $ XXXX.I did not understand that I can do this, but now I know that many people do it. XXXX also told me that if I complete DC XXXX XXXX Course online for $ XXXX. then this Certificate will be applied to my account and I get Deductions. Because my Drivers Record was impeccable, and I received a very special discount for PREMIER DRIVER DISCOUNT ( about $ 100-XXXX ), he told me, that maybe I don't need to remove points but if I will have this Defensive Driver Course, it will reduce my Premiums. I also was told by the agent -- I don't remember now who told me about XXXX XXXX Course and LEXIS NEXIS, but I was reminded to take the course and to obtain my MVR from LEXIS NEXIS. In XX/XX/XXXX I received another invoice with a quote in amount of about $ XXXX for 6 month from XXXX. I called to XXXX XXXX to get my MVR first on XXXX XX/XX/XXXX. I was given XXXX number. On XXXX XXXX I called again to find out where is my MVR? they lost my MVR and they submitted a new request form me on XXXX XX/XX/XXXX over the phone. ON XX/XX/XXXX I called again to ask : where is my MVR?? which I requested first time on XXXX XX/XX/XXXX? On XX/XX/XXXX, I submitted a complaint about XXXX XXXX, it is on my account. What happened was that, my Auto Insurance co, XXXX, told to me, that they increased my Premiums for my new car, because of the information on LEXIS NEXIS report It took me over then 40 days to obtain My Vehicle Report from LEXIS NEXIS, and there is a complaint letter to you in XX/XX/XXXX, about this matter. I finally received MVR from Lexis Nexis in Middle of XXXX. My plan was : to received MVR from LEXIS NEXIS and to research what is wrong and to complete XXXX XXXX Course for DC online by XXXX XXXX XXXX in order to remove violation from my My Vehicle Report, and to decrease my Premiums. I had a funeral in XX/XX/XXXX, in XXXX XXXX XXXX, and it was family, and I was not able to focus I was away. I did not complete XXXX XXXX course because I was away for funerals and in mourning. Last week, on ca. XX/XX/XXXX, I received an Invoice from XXXX about my Premiums for 6 month from XXXX + 6 month.The final Quote for 6 month was {$100000.00} and not {$530.00} or {$560.00} as I was quoted in XX/XX/XXXX and in XX/XX/XXXX. It was an increase in two times X2. WHAT HAPPENED??? On Wednesday I called to XXXX w/q/ : why XXXX increased my Premiums from ca. $ XXXX-560 to {$1000.00} for 6 month? I was told that there is a conviction on my MVR provided to XXXX by LEXIS NEXIS. ( MVR Report Case # XXXX, Reference # XXXX ) dated XX/XX/XXXX. I double checked this MVR Case # XXXX, dtd XX/XX/XXXX, and there was written that Lexis Nexis was using information from DC DMV ,XXXX XXXX XXXX, XXXX, WashDC XXXX, ( XXXX ) XXXX.ANd on the report there was a violation " XXXX ticket '' with XXXX points. Accident with XXXX ticket occurred on XX/XX/XXXX, violation entered on my MVR on XX/XX/XXXX.But the first time XXXX contacted me about this violation of XX/XX/XXXX ( more than 2 years ago! ) only last week, when I suddenly received {$1000.00} quote from XXXX for 6 month. I panicked and on XX/XX/XXXX, I completed DC XXXX XXXX course, 8 hours, with a purpose to expunge Speeding ticket from the record, and remove this violation, as it is promised on DC DMV and on XXXX XXXX XXXX website. The XXXX knows about this course, and XXXX highly recommends it to her drivers. I completed the course with purpose to remove Violation Code T002 and XXXX points for this T002 violation from my MVR, in hope to reduce premiums. When I submitted my final examen to Defensive Driver course admin, I received a note about that they submitted my successful completion of the course to the DC DMV to remove violation/and points. On XXXX XXXX, at XXXX XXXX I was at the doors of DC DMV on XXXX XXXX XXXX XXXX XXXX, XXXX, DC XXXX, as it is written on MVR from Lexis Nexis ( see above pls LEXSI NEXIS posted it on MVR ). I wanted to show to DC DMV that I completed course, to give them my copy and BAR code of the Diploma and ask for the Drivers Records from DC DMV. The location at XXXX XXXX XXXX was closed with a sign : MOVED to XXXX XXXX. I called to XXXX, spoke with lady operator, she told me that this location was closed for a while already! I think her name was XXXX. It was call to " XXXX '' DC Mayors Line, DMV. ( Lexis Nexis printed out on MVR dated XX/XX/XXXX a wrong address of DC DMV! ). XXXX from XXXX DC DMV Mayors Line, told me where I should go ( service stations ) and I took XXXX to XXXX DC DMV at XXXX XXXX XXXX in XXXX. It was XXXX XXXX, on XX/XX/XXXX, my number was XXXX to my best memory, to obtain Drivers Records. When I met Police Officer of DMV, or clerk who was sitting there, I gave to her my Certificate of Completion of Defen.Driv. Course, and also I showed to her MVR from LEXIS NEXIS, dated XX/XX/XXXX.I asked her, why there are still XXXX points from date XX/XX/XXXX? because IAW DC Traffic Law, points should be removed or archived after 2 years after accident or speeding ticket. I asked her, when will it be removed/. because I completed the course? She said to me ( she asked her supervisor to help to her ) and supervisor told me : Look- there are current points : XXXX. There is no VALID points on your Drivers Report! She said that those XXXX points are in history now, and currently I do not have no points. She asked me : did your XXXX XXXX XXXX contacted you about this violation in XX/XX/XXXX-XX/XX/XXXX? I said : No. It is first time I see this violation on my MVR and my premiums were increased because of this old violation which is now in archive after 2 years. She said that I must call to LEXIS NEXIS and tell to L-N that they must correct their MVR about me. That MVR which they submitted to Auto Insurance about me, is old or they placed those points as Valid -on purpose maybe? She said that you have clean hands record, no points currently. And they should not charge you for archived violations in the past past. ( over 2 years ). I called to LEXIS NEXIS at ca XXXX XXXX on XX/XX/XXXX, spoke with XXXX XXXX XXXX XXXX said that LEXIS NEXIS can not correct the MVR, but I must call to XXXX XXXX XXXX and ask XXXX to " request a FORCED MVR '', or XXXX XXXX XXXX must made this second FORCED REUQEST for my MVR from DC DMV with more updated and accurate information so that when Lexis Nexis will receive a new, updated MVR, there will be no more violation which was removed by XXXX XXXX Course completed and submitted to DC DMV on XX/XX/XXXX. ( attached ). XXXX XXXX ( XXXX XXXX ) Telephone XXXX, instructed me to talk only with UNDERWRITER. She said that only the UNDERWRITER can request FORCED MVR second time from DC DMV. I called immed. .to the XXXX at XXXX. I req. to speak with UNDERWRITER. I spoke with XXXX Employee # XXXX.I asked to speak with Underwriter only. She did not want to connect me to UNDERWRITER. It was a big hassle with her in order to get to speak with UNDERWRITER/ she placed me on hold. Then 10 min later I was connected to speak with XXXX XXXX # XXXX.I explained to XXXX why I must speak with Underwriter. XXXX told me : I am empowered to make changes. I told to her what I told to XXXX XXXX, of Lexis Nexis, that MVR report is incorrect and we need to correct my MVR from LEXIS NEXIS in order to recalculate the Quote for my car 's premiums. XXXX asked me to submit to XXXX documents : DC DMV record, with NO POINTS currently. And Completion of the Defensive Driver course on XX/XX/XXXX in order to remove totally this violation about speeding ticket, dated XX/XX/XXXX ( 2 yrs 4 month ago ). And after that to call to her again. I did as she told me to do. We finished talking at ca. XXXX XXXX. XXXX XXXX ID XXXX gave to me extension # XXXX, or XXXX or XXXX - which later she said was not good extension. After I submitted online my documents from DC DMV to XXXX, I called to XXXX XXXX asked for XXXX XXXX # XXXX.extension XXXX.I spoke with woman, She said that extension is not working. We got disconnected. I called again : I spoke with DC Licensed Agent of XXXX, by name XXXX # XXXX at ca. XXXX XXXX. XXXX # XXXX reviewed my documents,. which I submitted online and he said that they mean nothing and he is not going to change anything. I was very upset and I said that I want to speak with your supervisor XXXX ( XXXX ), she was doing changes on my policy and she asked me to email to XXXX DC DMV record and Defensive Driver course certificate what I did. And XXXX started to harass me that : we at XXXX know that you are a violator, you have convictions on MVR and we judge you. I argued : but IAW DC Traffic law, points are removed after 2 years and they are no longer on the my DC DMV MVR. The points are only current on the MVR report from Lexis Nexis. XXXX said : we at XXXX don't care what you did or do to clear your records. because we know -we saw the record and we judged you. I asked him : why XXXX only discovered about the points only now? in XX/XX/XXXX and not in XX/XX/XXXX? because if I knew that I had a conviction on my MVR, with points, and high premiums, I would NOT BUY my car. I would ride BIKE and XXXX.I told to him, what I wrote in the beginning of my letter, that if XXXX and LEXIS NEXIS could give me a quote for Insurance in XX/XX/XXXX, before I bought my new used car, and I knew that my Premiums will be {$1000.00} for 6 month : I WOULD NOT BUY THE CAR!!!!!! It became ugly because I was trying and tring but nothing was happening, and it is because LEXIS NEXIS did not submit a correct MVR from DC DMV about me to my Auto INSURANCE. The report which they ( LEXIS NEXIS ) submitted about me, was dated XX/XX/XXXX, but it had 1. bad old outdated DC DMV location 's address on XXXX XXXX XXXX ( MOVED long time ago in XXXX XXXX ). 2. LEXIS NEXIS reported points on my MVR as so as they are valid current points and they are not CURRENT NOT CURRENT. So DC DMV told to me in XXXX DC DMV location on XX/XX/XXXX and they told me, DMV, that I must call to LEXIS NEXIS and ask them to update my MVR and submit the correct MVR to my Insurance co. Words of XXXX upset me at ca. XXXX XXXX or XXXX XXXX of XX/XX/XXXX. It led nowhere. I asked him, I think, to connect me to XXXX XXXX, supervisor, but he could not do from his Location. I called to XXXX separately last night 2 times because I was so emotional about calls and DC DMV and going and driving and pursuing and completing and I asked XXXX to request a FORCES MVR from DC DMV for LEXIS NEXIS. I left a message on her voice last night. And I told to her, that I don't want to argue and to explain to all the XXXX insurance company what is happening, over and over again and get emotionally upset after that, and that XXXX XXXX of LEXIS NEXIS told to me to ask Underwriter in XXXX to Request a FORCED MVR about me. And this is ALL I want right now. I don't believe anymore that she really cared about me, when she told me that when you submit DC DMV report and Certificate of XXXX XXXX course to XXXX, that XXXX will add her note to my account, and agent of XXXX will know what to do. I called,. Spoke with XXXX who insulted me and we hung up .After that I cried and cried because I was .. I could not do it no more.English is my primary acquired language, and the topic is very high finances for me, and it is difficult. I submitted a Complaint about Auto Insurance to DC Insurances commissioner yesterday. If XXXX would be careful about me and my account and LEXIS NEXIS would provide to XXXX accurate information, I would know that my premiums are high and I can not buy a new used car because of the violation. Or I need to hire a lawyer to remove it. But I removed it with XXXX XXXX course on XX/XX/XXXX after I found out what it is, and that I have a speeding ticket on my MVR and I must do the course XXXX School, in ordre to remove it. And I did it on XX/XX/XXXX. LEXIS NEXIS provided incorrect information about my MVR to my AUTO Insurance. DC DMV agents told me to contact LEXIS NEXIS to correct my record. I tried to ask XXXX to do request FORCED MVR. But after talking on phone from ca. XXXX XXXX to XXXX XXXX XXXX -- nothing happened, And as a result I filed a complaint about LEXIS NEXIS and XXXX to Commissioner of Insurances in DC.
08/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60707
Web
The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. This complaint is to advise that LexisNexis Consumer Center has failed to honor our rights under the FCRA act which gives us the right to obtain a FULL, COMPLETE, PRINTED copy of our consumer reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting. On XX/XX/XXXX my daughter and I submitted an online request to LexisNexis AND also CALLED ( Call Recorded ) to request FULL, COMPLETE, PRINTED reports to be mailed to us, security freezes to be added to our consumer files AND for our files to be suppressed AND opted out of information sharing, marketing, solicitating and further fraudulent information from being added to either of our reports. We have attached a copy of the email confirmation advising receipt of the suppression AND optout requests, PLUS letters dated for XX/XX/XXXX from LexisNexis confirming that they've received our requests but aren't able to process them at that time. On XX/XX/XXXX, my daughter and I called LexisNexis AGAIN and requested a copy of our FULL, COMPLETE, PRINTED reports to be mailed us, security freezes to be added to our consumer files AND to be opted out of soliciting, marketing, information sharing and to suppress all files. Attached, please review the documents dated for XX/XX/XXXX from LexisNexis advising that the security freeze was added and an URL link with a password advising us to go on the website to access our reports. We tried, but the passwords didn't work. Over the phone we told them that we wanted a paper copy to be mailed to us because we don't have personal access to a printer or internet. During that call, the agent added a telephone number ending in XXXX and an email that I never confirmed or requested to be added. He added the telephone number that I was calling from without my permission. He never verified if I even wanted a telephone number to be added to my profile. He mentioned that he'd seen my online request and obviously added the email as well. Again, without my consent or knowledge. He never confirmed, just added INCORRECT information to my consumer report without confirming or asking if we wanted it to be added. On XX/XX/XXXX, we called again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our consumer reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. On XX/XX/XXXX, we called the CFPB and requested to file a complaint against LexisNexis. Complaint XXXX was submitted as follows : " The reason I am submitting this complaint is because they have merged me and my daughter as one person and we are not the same! '' The company closed the complaint on XX/XX/XXXX and responded with an attached letter dated for XX/XX/XXXX, lying stating that they'd called and emailed me on XX/XX/XXXX. I checked the voicemail of the number they listed on the letter and there were no new messages. I then proceeded to check the email that they said they sent and there was a message from them dated for XX/XX/XXXX NOT XX/XX/XXXX. I called the phone number listed on the email for XXXX XXXX and left a message for her to call me back ( Call recorded )! I then responded to the email on XX/XX/XXXX. She then emailed me back on XX/XX/XXXX. There was no further communication. She has never called me back. ( Documents attached ) I have emailed copies of the letters today which includes all of the consumer requests that we've made so that the files can be accessed, deleted, removed, disputed and suppressed effective immediately! ANY FURTHER COMMUNICATION SHOULD BE SUBMITTED HERE ON THE CFPB WEBSITE WITHOUT CLOSING THE CASE UNTIL FULLY RESOLVED! On XX/XX/XXXX, we created a new, more detailed complaint online via the CFPB website against LexisNexis and was provided complaint # XXXX. That complaint included the following : " This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send me a physical paper copy of my credit report. I have called them consistently requesting a paper copy of my report. They have sent documents to my daughter and I requesting that we sign into a website and submit a pin number to access the files. The pin number doesn't work. WE WANT A PHYSICAL COPY OF THE REPORT! NOT ACCESS TO THE REPORT ONLINE! WE DO NOT HAVE A COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CONSUMER REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' The company closed this complaint on XX/XX/XXXX with an amended version of the same letter that they sent on XX/XX/XXXX. This time the letter stated that they called on XX/XX/XXXX AND XX/XX/XXXX and was not able to leave a voicemail message. It then says that they emailed me on XX/XX/XXXX and has never received a response from me but again, I have attached the emails that show that I responded on XX/XX/XXXX BEFORE the XX/XX/XXXX letter from LexisNexis was generated. On XX/XX/XXXX, I received another letter from LexisNexis stating that they couldn't process our requests! On every single call, the agents ask for the exact same information. They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! They also confirm on each call that they have accessed the account and asks if we want to dispute anything at time! We advise them on every call that we need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! On XX/XX/XXXX, we received reports dated for XX/XX/XXXX. My XXXX year old daughter 's report consisted of 72 pages of incorrect information. Her report includes MY FULL NAME, SOCIAL SECURITY NUMBER, CREDIT ACCOUNT INFORMATION and addresses of relatives, friends, schools THAT SHE HAS NEVER BEEN ASSOCIATED WITH! My report included 48 pages of incorrect information! NONE OF MY ACTUAL CREDIT INFORMATION! It included addresses and phone numbers that don't belong to me! It included names of males and females that aren't mine. The report includes FULL social security numbers AND date of births of individuals that ARE NOT ME! I disputed the entire report on XX/XX/XXXX and received a dispute case number # XXXX. When I asked the agents, because I spoke to MULTIPLE agents today ... Why does MY report include the names, addresses, phone numbers, social security numbers, date of births AND insurance information for XXXX XXXX, she said that I must've been added to his policy before. But even if, this were the case, WHY WOULD YOU PUT ALL OF HIS PERSONAL, CONFIDENTIAL INFORMATION on MY CONSUMER REPORT? Now, I have access to his information and could use his information FRAUDULENTLY if I were that type of individual? My daughter now has access to MINE, XXXX XXXX 'S and some more people/s credit profile information because LEXISNEXIS illegally adds information to the consumer report without verifying from the EXACT source! I asked the agents to verify where they received the information from and she said that it wasn't the actual company that sent it to them. She also confirmed that the INCORRECT address and phone numbers were added to my profile when I called or emailed them on XX/XX/XXXX. So they NEVER confirmed, asked or verified if I wanted that information added to my profile. We don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. This letter is to inform, request and advise LexisNexis that the personal information and accounts being reported by your company on my credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as e-Oscar and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! WE WANT THE ENTIRE FILE DELELTE! ALL INFORMATION REMOVED! ALL INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!
08/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30350
Web
I have contacted this company through certified letters in XXXX of 2019. I have also contacted them on the phone and through mail. I haven't receive anything showing me a dispute or anything in that nature. By law i was suppose to receive something as early as 30 days after the first letter was sent in XXXX of 2019. I am sending this letter as of my final attempt to fairly allow you to do your job and kindly remove the errors that are reporting on my credit report. I've mentioned that i am a victim of identity theft. My information was also leaked in several breaches over the years but a recent one a few weeks in XXXX of 2019. Since it comes to my attention that you aren't responding maybe we should settle in court, which will work for me and i won't be wasting my time. I complied the evidence and paper work during the time when i sent in my letters and more. This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/2019 XXXX XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim XXXX XXXX the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III XXXX XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim Ernie Samuel 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XXXX XXXX of XXXX, 2019 by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XXXX day of XXXX, 2019. By : XXXX ERRONEOUS/IDENTITY THEFT/ : XXXX - XXXX - LEXIS NEXIS 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. DEPT OF ED/XXXX # XXXX XXXX. 5. XXXX XXXX # XXXX 6. DEPT OF ED/XXXX # XXXX 7. DEPT OF ED/XXXX # XXXX 8. DEPT OF ED/XXXX # XXXX 9. DEPT OF ED/XXXX # XXXX 10. DEPT OF ED/XXXX # XXXX 11. DEPT OF ED/XXXX # XXXX 12. DEPT OF ED/XXXX # XXXX 13. INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.
10/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • 90401
Web
I. PRELIMINARY STATEMENT 1. This a petition for violations of the Fair Credit Reporting Act, 15 U.S.C. 1681-1681x ( FCRA ) by XXXX XXXX seeking relief for Respondents widespread violations thereof. 2. Despite the public availability of court records that conclusively demonstrate that certain court records in eviction cases have been dismissed, withdrawn, vacated, satisfied, or resulted in judgments for tenants, Respondent routinely fails to obtain up-to-date information pertaining to the disposition. 3. Respondents practices harm consumers seeking residential leases by prejudicing their prospective landlords with inaccurate, adverse information. II. PARTIES 4. Petitioner XXXX XXXX ( Petitionoer or Mr. XXXX XXXX is an adult individual who resides in XXXX XXXX County, California. At all times pertinent hereto, the Respondent was a consumer as that term is defined by 15 U.S.C. 1681a ( c ). 5. Respondent XXXX, XXXX ( Respondent or XXXX ) regularly conducts business in the State of California. Respondent also does business as XXXX, having acquired certain assets of XXXX XXXX, XXXX in XX/XX/XXXX. 6. At all times pertinent hereto, Respondent was a person and a consumer reporting agency ( CRA ) within the meanings of 15 U.S.C. 1681a ( b ) and ( f ), respectively. III. FACTUAL ALLEGATIONS 7. Respondents practices harm consumers seeking residential leases by prejudicing their prospective landlords with inaccurate, adverse information as it did for Petitioner 8. The FCRA is intended to protect consumers from the transmission of inaccurate information about them, and to establish credit reporting practices that utilize accurate, relevant, and current information in a confidential and responsible manner. Cortez v. Trans Union, LLC, 617 F.3d 688, 706 ( 3d Cir. 2010 ) 9. Respondent is required by the FCRA to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom its reports relate. 15 U.S.C. 1681e ( b ). 10. For many years, Respondent has purchased public records information pertaining to residential eviction litigation ( eviction information ) from third-party vendors instead of retrieving the actual underlying court records themselvesor even more manageable digital representationsfor the purpose of creating and selling consumer reports to third party landlords and rental property managers. 11. The eviction information Respondent purchases is merely a summary prepared by its vendors LexisNexis that does not include all the information or the most up-to-date information available at the courthouses or government offices where the records themselves are housed in conjunction with the day-to-day functioning of those entities. Both LexisNexis and Respondent are subject to two class action lawsuits because of the very same reporting irregularities attached herein. 12. Respondent knows that its public records vendors make mistakes in the condensed, summary eviction information that it purchases for credit reporting purposes and that the information routinely does not include the most up-to-date status of the actual cases. 13. Purchasing distilled, incomplete public records information was the impetus for regulatory investigations of the Big Three CRAs, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX, and dozens of FCRA lawsuits throughout the United States, including in this District. 14. For example, in XXXX, the Consumer Financial Protection Bureau ( CFPB ) noted that CRAs did not adequately oversee their public records vendors : Examiners found that the oversight of public records providers by one or more CRAs was weak and required corrective action. For example, one or more CRAs had never conducted a formal audit of their public records providers. In addition, one or more CRAs did not have defined processes to verify the accuracy of public record information provided by their public records providers. In light of such weaknesses, Supervision directed one or more CRAs to establish and implement suitable and effective oversight of public records providers. ( CFPB, Supervisory Highlights, 2.1.1 ( Summer XXXX ), available at http : //files.consumerfinance.gov/f/201506_cfpb_supervisory-highlights.pdf ( last viewed XX/XX/XXXX ) 15. Further, the CFPB expressed concern about the accuracy of public records information that the CRAs imported into their consumer databases : Examiners reviewed quality control processes with respect to the accuracy of consumer reports produced by one or more CRAs and found that, with certain exceptions, there were no quality control policies and procedures to test compiled consumer reports for accuracy. While processes existed to analyze and improve the quality of incoming data, there was no post-compilation report review or sampling to test the accuracy of consumer reports. In light of these weaknesses, Supervision directed one or more CRAs to develop a plan with implementation timelines to establish quality controls that regularly assess the accuracy and integrity of the consumer reports and consumer file disclosures produced. Id. at 2.1.2. 16. Other regulators, including the New York Attorney General, initiated investigations of the Big Three in part due to similar problems with the accuracy and currency of publics records information in credit reports. 17. The Big Three ultimately entered into an agreement with the New York Attorney General that they took to calling the National Consumer Assistance Plan ( NCAP ). ( Settlement Agreement, In the Matter of the Investigation by XXXX XXXX XXXX, Attorney General of the State of New York, of XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; and XXXX, XXXX, XXXX : //www.ag.ny.gov/pdfs/CRA % 20Agreement % 20Fully % 20Executed % 203.8.15.pdf ( last viewed XX/XX/XXXX ). ) XXXX. As of XX/XX/XXXX, pursuant to the requirements of the settlement and the NCAP, the Big Three ceased including in credit reports civil judgment information that did not meet certain minimum standards. In practice, this meant that civil judgments disappeared entirely from consumer reports prepared by the Big Three.bSee CFPB, Quarterly Consumer Credit Trends Report, 2-3 ( XX/XX/XXXX XXXX https : //www.consumerfinance.gov/documents/6270/cfpb_consumer-credit-trends_public- records_022018.pdf ( last viewed XX/XX/XXXX XXXX. 19. Although the Big Three stepped back from using public records information in some of their consumer reporting products, other CRAs, like Respondent, continue to do so. 20. At all times relevant to these allegations, Respondent was aware of the investigations of the CFPB and state attorneys general into the Big Threes public records practices, the NCAP, the various public records class actions pending throughout the United States, and its obligations under the FCRA. 21. Nevertheless, Respondent, fully aware of the problems associated with the incomplete and inaccurate public records information purchased from vendors of such information, continues to report eviction information to potential landlords. 22. The data and reports Respondent sells are used and expected to be used for multiple purposes governed by FCRA section 1681b and the information included in them bears on the credit history, credit worthiness, reputation, personal characteristics, and mode of living of each respective consumer. Thus, the reports that Respondent sells about thousands of consumers each year are consumer reports. See 15 U.S.C. 1681a ( d ). 23. Based upon a common policy and practice, Respondent regularly reports inaccurate and out-of-date eviction information pertaining to cases and judgments that have been dismissed, withdrawn, satisfied, or have resulted in a judgment for the tenant. 24. Respondents practices not only violate the FCRA as a matter of law, they exact serious consequences on rental housing applicants and interstate commerce. Consumers who have obtained the dismissal, withdrawal of an eviction matter, satisfied an eviction judgment, or prevailed in an eviction matter are prejudiced in their ability to obtain leased housing. IV. PETITIONERS EXPERIENCE 25. At all times relevant to Petitioners allegations, information pertaining to Landlord Tenant Complaints filed in the XXXX XXXX XXXX Superior Court , including full case dockets and digital representations of all documents filed in such cases, including, but not limited to complaints, judgments, XXXX, withdrawals, and satisfactions of judgment, were publicly available. 26. On or about XX/XX/XXXX, Plaintiff applied to rent an apartment of moderate housing as defined by the Housing Authority for City of XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX managed by XXXX XXXX XXXX in an apartment building in the XXXX XXXX area of the City of XXXX XXXX. 27. In conjunction with his application, Respondent prepared a Rental Report about Plaintiff for a fee under the trade name XXXX. 28. Upon information and belief, The XXXX passed Respondents fee along to Plaintiff as an application fee. 29. The Rental Report contained credit information about Plaintiff that Respondent had acquired from XXXX, one of the Big Three national credit reporting agencies. 30. The Rental Report included a header labeled Landlord Tenant Court Records. However, upon information and belief, Respondent did not conduct any independent search of relevant civil records, but rather purchased the data it included in the Rental Report from a third- party vendor namely LexisNexis Risk Solutions. 31. Upon information and belief, Respondent purchased the eviction information from XXXX after XXXX itself had stopped including public records information in its own credit reports. 32. The first inaccurate and out-of-date item appeared, in relevant part, as follows : Landlord Tenant Court Records A landlord tenant court record does not necessarily mean that a tenant owed rent or was evicted from an apartment. Date Filed Case Type Case Number Record Source Record Vendor 8/2015 CIVIL ACTION FOR POSSESSION XXXX XXXX XXXX COUNTY SUPERIOR COURT, XXXX XXXX XXXX LexisNexis Risk Data Retrieval Services, LLC Judgment Judgment Amount Status Amount Paid Possession Only Judgment for Plaintiff XX/XX/XXXX {$0.00} {$0.00} Defendants XXXX XXXX XXXX XXXX Address Comments XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Plaintiff Phone # XXXX XXXX XXXX XXXX XXXX XXXX. This information was inaccurate and out-of-date because the original case number in the complaint filed against Petitioner was XXXX XXXX ; on XX/XX/XXXX. XXXX was reduced to judgment of dismissal but that judgment was with prejudice to named Plaintiff in that action amongst other cases as there were multiple parties. Please See stenographer notes. Respondents reflecting these updates were filed on the publicly-available case docket contemporaneously with their entry and used the wrong case number and the wrong outcome. 34. Nevertheless, the Rental Report contained no reference to the vacatur of the case of the judgment dismissal with prejudice. Please See Multi Order of Dismissal 35. As of the date of the Rental Report, Respondent had failed to update the status to have XXXX XXXX XXXX decide to approve Petitioner which is predicated on the records maintained by Respondent and the accuracy thereof. 36. Petitioner has sought to dispute the items via RealPages, Inc.s dispute procedure that has failed to receive and intelligible response or otherwise ignored and not processed with a boilerplate response of no investigation nor corrective action taken place. V. BASIS FOR RELIEF FIRST BASIS FOR RELEIF VIOLATION of FCRA SECTION 1681e ( b ) 37. Plaintiff incorporates the foregoing paragraphs as though the same were set forth at length herein. 38. Pursuant to sections 1681n and 1681o of the FCRA, Respondent is liable to the Petitioner for negligently and willfully failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom a consumer report relates, in violation of section 1681e ( b ). Specifically, Respondent failed to follow reasonable procedures to assure maximum accuracy of eviction information contained in tenant screening reports prepared about Petitioner hereby publishing inaccurate and outdated eviction information to their potential landlords and property managers. VI. PRAYER for RELIEF 39. WHEREFORE, Petitioner prays the enter an order granting relief to have Respondent take corrective action to remove the inaccurate information 40. Any further relief or order that the CONSUMER FINANCIAL PROTECTION BUREAUX deem appropriate or just. Dated : XXXX XX/XX/XXXX at XXXX XXXX County. California. Respectfully submitted, By : /s/ XXXX XXXX ____________________________________
07/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30291
Web Servicemember
LexisNexis has violated the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I had recently received notification from a customer service representative from XXXX XXXX my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I received. I am still waiting for the case to reset the alleged ticket issued due to the request for reasonable accommodations based on my XXXX ( See attachments from the courts ). Therefore, the Information obtained is inaccurate and fraudulent at best. Accordingly, I REQUEST THE FRAUDULENT INFORMATION THAT IS BEING REPORTED TO BE REMOVED EFFECTIVE IMMEDIATELY BEFORE A LAWSUIT IS FILED AGAINST LexisNexis. I HAVE ATTACHED INFORMATION FROM THE COURTS, U.S. Department of Justice, and XXXX. DELETE THE INFORMATION FROM LEXISNEXIS. violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. II. JURISDICTION AND VENUE 2. Jurisdiction of this Court arises under 15 U.S.C. 1681p and 28 U.S.C. 1331. 3. Venue lies properly in this district pursuant to 28 U.S.C. 1391 ( b ). III. PARTIES 4. Plaintiff is an adult individual who resides in TX. 5. Defendant XXXX XXXX XXXX XXXX XXXX. ( XXXX ) is a business entity and consumer reporting agency that regularly conducts business in the Central District of California, and which has its headquarters and a principal place of business located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 6. Defendant LexisNexis Risk XXXX XXXX XXXX LLC ( Lexis ) is a business entity that provides background screening services, decision-making intelligence and operates as a consumer reporting agency and furnisher of credit information. Lexis regularly conducts business in XXXX XXXXXXXX XXXX XXXX California has a principal place of business at XXXX XXXX XXXX, XXXX, GA, XXXX. IV. FACTUAL ALLEGATIONS 7. Defendants have been reporting derogatory and inaccurate statements and information relating to Plaintiff and Plaintiffs credit history to third parties ( inaccurate information ). 8. The inaccurate information includes, but is not limited to : three ( 3 ) Federal tax liens that should not be reporting on Plaintiffs personal credit files or reports, which do not belong to the Plaintiff. 9. The inaccurate information reporting on Plaintiffs credit reports is not directly derived from government records or court dockets. The original supplier of this inaccurate information to XXXX was Lexis, or Lexis corporate predecessor and/or its contractors. Lexis or its corporate predecessor, through its contractors, obtains select information from court and government records, not the complete or actual public records, and then molds and fabricates that select information into the format which it sells to XXXX and other third parties to be placed upon consumer credit reports. 10. As evident in the IRS records from the operative years, Plaintiff is not personally liable for these Federal tax liens, and that they are clearly not entered against her. IRS records confirm that her tax liability is {$0.00} and that she has no tax liens filed against her. 11. Nevertheless, XXXX is reporting the Federal tax liens on the personal credit files and reports of Plaintiff. 12. Lexis continues to report inaccurate information, as it has not updated the select information that it compiles and sells about the Plaintiff, and it instead continues to inaccurately report and verify the Federal tax liens incurred by a business entity on Plaintiffs personal credit reports to XXXX and/or other third parties. 13. Plaintiff has disputed the inaccurate information on at least two occasions with XXXX, by following Experians established procedures for disputing consumer credit information, beginning in or around XX/XX/2010. 14. Further, Lexis, as the original supplier and as a credit furnisher of this information, was advised of Plaintiffs disputes through XXXX. Despite these disputes, Lexis failed to investigate and correct the inaccurate Federal tax liens within 30 days as required by the FCRA. To the contrary, both Lexis and XXXX verified as purportedly accurate the Federal tax liens and left them on Plaintiffs credit reports. 15. Notwithstanding Plaintiffs efforts, XXXX has sent Plaintiff correspondence indicating its intent to continue publishing the inaccurate information and XXXX continues to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors. XXXX has repeatedly published and disseminated consumer reports to such third parties from at least XX/XX/2010 through the present. 16. The inaccurate information negatively reflects upon the Plaintiff, Plaintiffs credit repayment history, Plaintiffs financial responsibility as a taxpayer and XXXX creditworthiness. 17. Defendants have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer reports that they have disseminated and resold to various persons, both known and unknown. 18. Despite Plaintiffs efforts, Defendants have never : ( 1 ) contacted Plaintiff to follow up on, verify and/or elicit more specific information about Plaintiffs disputes ; ( 2 ) contacted any third parties that would have relevant information concerning Plaintiffs disputes ; or ( 3 ) forwarded all relevant information concerning Plaintiffs disputes to the entities originally furnishing the inaccurate information. 19. Despite Plaintiffs exhaustive efforts to date, Defendants have nonetheless deliberately, willfully, intentionally, recklessly and negligently repeatedly failed to perform reasonable investigations and/or reinvestigations of the above disputes as required by the FCRA, failed to remove the inaccurate information, failed to report on the results of their investigations and/or reinvestigations to all credit reporting agencies and continued to report the derogatory inaccurate information about Plaintiff. 20. As of result of Defendants conduct, Plaintiff has suffered actual damages in the form of lost credit opportunities, harm to credit reputation and credit score, and emotional distress, including humiliation and embarrassment. 21. At all times pertinent hereto, Defendants were acting by and through their agents, servants and/or employees who were acting within the course and scope of their agency or employment, and under the direct supervision and control of the Defendants herein. 22. At all time s pertinent hereto, the conduct of the Defendants, as well as that of their agents, servants and/or employees, was malicious, intentional, willful, reckless, and in grossly negligent disregard for federal and the rights of the Plaintiff herein. V. FIRST CLAIM FOR RELIEF Experians Violations of the FCRA 23. Plaintiff incorporates the foregoing paragraphs as though the same were set forth at length herein. 24. At all times pertinent hereto, Experian was a person and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ). 25. At all times pertinent hereto, the Plaintiff was a consumer as that term is defined by 15 U.S.C. 1681a ( c ). 26. At all times pertinent hereto, the above-mentioned credit reports were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ). 27. Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is liable to the Plaintiff for willfully and negligently failing to comply with the requirements of 15 U.S.C. 1681e ( b ) and 1681i. 28. The conduct of Experian was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, actual damages and harm to the Plaintiff that are outlined more fully above and, as a result, XXXX is liable to the Plaintiff for the full amount of statutory, actual and punitive damages, along with the attorneys fees and the costs of litigation, as well as such further relief, as may be permitted by law. VI. SECOND CLAIM FOR RELIEF Lexis Violations of the FCRA 29. Plaintiff incorporates the foregoing paragraphs as though the same were set forth at length herein. 30. At all times pertinent hereto, Lexis was a person and a consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ), and also a furnisher of credit information. 31. At all times pertinent hereto, Plaintiff was a consumer as that term is defined by 15 U.S.C. 1681a ( c ). 32. At all times pertinent hereto, the above-mentioned credit reports were consumer reports as that 33. Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Lexis is liable to the Plaintiff for willfully and negligently failing to comply with the requirements of 15 U.S.C. 1681i ; 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681s-2 ( b ). 34. The conduct of Lexis was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, actual damages and harm to the Plaintiff that are outlined more fully above and, as a result, Lexis is liable to the Plaintiff for the full amount of statutory, actual and punitive damages, along with the attorneys fees and the costs of litigation, as well as such further relief, as may be permitted by law. VII. JURY TRIAL DEMAND 35. Plaintiff demands trial by jury on all issues so triable. VIII. PRAYER FOR RELIEF WHEREFORE, Plaintiff seeks judgment in Plaintiffs favor and damages against the Defendants, based on the following requested relief : ( a ) Actual damages ; ( b ) Statutory damages ; ( c ) Punitive damages ; ( d ) Costs and reasonable attorneys fees pursuant to 15 U.S.C. 1681n and 1681o ; and ( e ) Such other and further relief as may be necessary, just and proper.
10/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32937
Web
Despite several written requests ( copied below ) Lexis Nexis has failed to correct incorrect information about an auto insurance claim in which I was NOT involved. Furthermore they refuse to reply in writing to repeated requests to confirm the correction. Lexis Nexis incorrect report information has cost us a great deal of money in higher insurance premiums. ___________ Preview LexisNexis Customer Support Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days. Thank you for allowing us to be of service to you. To update your question with additional information, click here Subject Has My Report Been Corrrected? Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) Dear XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. Please contact the LexisNexis Consumer Center at ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. If any additional assistance is required, please feel free to contact us again. LexisNexis Consumer Center Customer By XXXX XXXX ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) No that is unacceptable. I want an answer on the record in writing. That is why I emailed you. When organizations avoid putting things in writing it is suspicious. Reply completely to my inquiry in writing. It has taken far too long to correct your records and that costs me more damages every day. XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, LexisNexis Consumer Support XXXX wrote : Preview LexisNexis Customer Support Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days. Thank you for allowing us to be of service to you. To update your question with additional information, click here Subject Has My Report Been Corrrected? Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) Dear XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. Please contact the LexisNexis Consumer Center at ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. If any additional assistance is required, please feel free to contact us again. LexisNexis Consumer Center Customer By XXXX XXXX ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX we sent you a dispute of incorrect information on your report about me. And XX/XX/XXXX I sent you the attached Consumer Request Form you requested. Yet Ive received no further communications from you. Has my record been corrected? XXXX XXXX XXXX From : " LexisNexis Consumer Support '' XXXX Subject : Dispute XXXX XXXX Report [ Incident : XXXX ] Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Reply-To : " LexisNexis Consumer Support '' XXXX Preview Customer Support Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days. Thank you for allowing us to be of service to you. To update your question with additional information, click here Subject Dispute XXXX XXXX Report Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) Dear XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. In order for us to process your request, please complete the attached form. You may upload the completed form through our web portal by clicking on this link : XXXX XXXX XXXX or send it back to us via U.S. Mail at the address identified below : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Kindly indicate the date of the record that you want to dispute ( or any identifying information ) and specifically what you wish to dispute about it and we will be glad to initiate a dispute on your behalf with the contributing record source. If any additional assistance is required, please feel free to contact us again. You may also contact the LexisNexis Consumer Center at ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. LexisNexis Consumer Center Customer By XXXX XXXX ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) LexisNexis Consumer Center ATTN : FACT Act Dispute Request XXXX XXXX XXXX XXXX, GA, XXXX Date : XX/XX/XXXX Dear LexisNexis Consumer Center : I would like to dispute information on my XXXX XXXX ( Auto or Personal Property ) Report. My XXXX XXXX file number is : XXXX Claim number and insurance company associated with the loss I wish to dispute : XXXX PA XXXX XXXX XXXX Here are the facts as I know them : XXXX XXXX incorrectly lists XXXX XXXX as the person involved in this accident and claim. XXXX XXXX was not involved in any such accident. XXXX XXXX filed no claim. XXXX XXXX received no payment from any insurance company for any accident in at least the last 5 years. Thank you for your attention to this matter. Please notify me as soon as this record has been corrected as we are incurring damages as a result of the incorrect information raising our auto insurance premium. Yours truly, XXXX XXXX XXXX Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : Solved Escalation Due No Value Copyright XXXX LexisNexis Risk Solutions | Privacy Policy [ -- XXXX -- - ] Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : Solved Escalation Due No Value Copyright XXXX LexisNexis Risk Solutions | Privacy Policy Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) Dear XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. Please contact the LexisNexis Consumer Center at ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. If any additional assistance is required, please feel free to contact us again. LexisNexis Consumer Center Customer By XXXX XXXX ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX we sent you a dispute of incorrect information on your report about me. And XX/XX/XXXX I sent you the attached Consumer Request Form you requested. Yet Ive received no further communications from you. Has my record been corrected? XXXX XXXX XXXX XXXX : " LexisNexis Consumer Support '' XXXX Subject : Dispute XXXX XXXX Report [ Incident : XXXX ] Date : XX/XX/XXXX at XXXX XXXX XXXX To : XXXX Reply-To : " LexisNexis Consumer Support '' XXXX Preview Customer Support Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days. Thank you for allowing us to be of service to you. To update your question with additional information, click here Subject Dispute XXXX XXXX Report Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) Dear XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. In order for us to process your request, please complete the attached form. You may upload the completed form through our web portal by clicking on this link : XXXX XXXX XXXX or send it back to us via U.S. Mail at the address identified below : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Kindly indicate the date of the record that you want to dispute ( or any identifying information ) and specifically what you wish to dispute about it and we will be glad to initiate a dispute on your behalf with the contributing record source. If any additional assistance is required, please feel free to contact us again. You may also contact the LexisNexis Consumer Center at ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. LexisNexis Consumer Center Customer By XXXX XXXX ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) LexisNexis Consumer Center ATTN : FACT Act Dispute Request XXXX XXXX XXXX XXXX, GA, XXXX Date : XX/XX/XXXX Dear LexisNexis Consumer Center : I would like to dispute information on my XXXX XXXX ( Auto or Personal Property ) Report. My XXXX XXXX file number is : XXXX Claim number and insurance company associated with the loss I wish to dispute : XXXX PA XXXX XXXX XXXX Here are the facts as I know them : XXXX XXXX incorrectly lists XXXX XXXX as the person involved in this accident and claim. XXXX XXXX was not involved in any such accident. XXXX XXXX filed no claim. XXXX XXXX received no payment from any insurance company for any accident in at least the last 5 years. Thank you for your attention to this matter. Please notify me as soon as this record has been corrected as we are incurring damages as a result of the incorrect information raising our auto insurance premium. Yours truly, XXXX XXXX XXXX Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : Solved Escalation Due No Value Copyright XXXX LexisNexis Risk Solutions | Privacy Policy [ -- XXXX -- - ] Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : Solved Escalation Due No Value Copyright XXXX LexisNexis Risk Solutions | Privacy Policy [ -- XXXX -- - ]
09/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30045
Web Servicemember
On XX/XX/XXXX I sent a formal complaint to Lexis Nexis that they were reporting inaccurate and incomplete information on my consumer report. I am a victim of identity theft and I disputed certain information in my file resulting from the crime. I, in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX, XXXX, and XXXX onXX/XX/XXXX. REASONS : 1. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you, Lexis Nexis are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. The Congress has also stated that you XXXX, XXXX and XXXX are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of XXXX ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, Lexis Nexis are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; 6. Pursuant to 15 U.S. Code 1681a ( d ) the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness ; 7. Take further notice that Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) you Lexis Nexis are in violation of this law as it clearly states that any report containing information solely as to transactions or experiences between the consumer and the person making the report which in this case is you XXXX, XXXX and XXXX is excluded from the consumers report ; 8. Notice that you XXXX, XXXX, and XXXX are also in violation of 15 U.S. Code 1681a ( 2 ) ( B ) which states any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card. You are reporting multiple accounts on my consumer report in direct violation of this Code ; 9. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; 10. Take further notice that Pursuant to this same mentioned code stated above 15 U.S. Code 1681a ( e ) there shall not be any specific factual information on a consumers credit record obtained directly from a creditor as the term creditor means the same as it does in 15 U.S. Code 1691a ( e ) which states that the term creditor means any person who regularly extends credit which in this case that would be me a consumer ; 11. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates ; Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method. DEMAND FOR IMMEDIATE REMOVAL PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : GEORGIA XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : DEPT OF ED/XXXX XXXX If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. The term credit card has the same meaning as in section XXXX of this title. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.
04/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • OH
  • 44035
Web
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
04/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72117
Web
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
05/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33325
Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
02/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • PA
  • 19120
Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
12/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30042
Web
I recently filed a complaint against Lexis Nexis- complaint id # XXXX. Of the which Now is showing closed. I'm now submitting another open case because the issue of XXXX putting info on my data file. I have noted several issues in the complaint, however they have decided to take the route of talking about a Name variance, which isn't addressing the full issues express in the previous complaint issued by me. This is an attempt to delay the process of deleting false info that was added by their company, which fully goes against FCRA law, rules and regulations. I have report after report issued by XXXX giving updated reports after previous disputes issued by me. They have verified me over and over again. Again, this is stall tactic they're using to keep illegal information on my data file. The evidence has bee presented to CFPB. They added false information to the file that wasn't there before so that clearly let 's you see they are playing games. I ask that you don't allow XXXX to get away with this. They don't like it when people start disputing items on data report their job is to keep as much negative information on you as possible. They placed the information there not the insurance company in Florida they tried to pin it on. This clearly let 's you see their lies. In the previous months they have verified and verified to even issue the multiple reports they have sent so I can access a copy of the report online. If I need to upload the multiple reports to show how we've been corresponding over the past months I will happy to do that. I will also be getting in contact with the media for further investigation so they can make the public aware of their actions. They posted the following : In this complaint filed with your office, XXXX XXXX alleges that fraudulent name variances, business associations, and addresses are reporting within her file. In response to XXXX XXXX complaint, LexisNexis initiated a dispute of said the following records on her behalf : Who is XXXX XXXX... .this is clear that they are asking erroneous error, add-ons to my data files. Only after I disputed, yet again, the info on file along with submitting this complaint to CFPB did they want to state need to verify ore info and name variances when the real issue is they put false info on my data files and doesn't appear to be addressing any part of the previous complaint issued by me. I ask that you re-open this case. They want a call from e so they can only continue to dance around in circles trying to delay the process even further. They don't care if you file a complaint against the they feel they can just provide any type of response and close the case and that if will all go away. I have already made phone calls to XXXX they only want to play around indicated in previous complaint issued by me. If this was regarding name variance surely they would have asked for the legal court document to show the name change granted in 2016. How are they not addressing the false info they placed on data report but trying to side track the complaint by directing your attention to a lesser concern that was also disputed. You noticed they haven't address the false info they placed on file. If ore info was needed they would have asked for that when I tried talking with XXXX before but what they did was try to place the fault with an insurance company I've never had any dealings with. This is a distraction so that you won't punish them. I have shown the email from the rep there at the insurance organization that they have had no dealings with me. I have iI have noted several issues in the complaint, however they have decided to take the route of talking about a XXXX variance, which isn't addressing the full issues express in the previous complaint issued by me. This is an attempt to delay the process of deleting false info that was added by their company, which fully goes against FCRA law, rules and regulations. I have report after report issued by XXXX giving updated reports after previous disputes issued by me. They have verified me over and over again. Again, this is stall tactic they're using to keep illegal information on my data file. The evidence has bee presented to CFPB. They added false information to the file that wasn't there before so that clearly let 's you see they are playing games. I ask that you don't allow XXXX to get away with this. They don't like it when people start disputing items on data report their job is to keep as much negative information on you as possible. They placed the information there not the insurance company in Florida they tried to pin it on. This clearly let 's you see their lies. In the previous months they have verified and verified to even issue the multiple reports they have sent so I can access a copy of the report online. If I need to upload the multiple reports to show how we've been corresponding over the past months I will happy to do that. I will also be getting in contact with the media for further investigation so they can make the public aware of their actions. They posted the following : In this complaint filed with your office, XXXX XXXX alleges that fraudulent name variances, business associations, and addresses are reporting within her file. In response to XXXX XXXX complaint, LexisNexis initiated a dispute of said the following records on her behalf : Who is XXXX XXXX... .this is clear that they are asking erroneous error, add-ons to my data files. Only after I disputed, yet again, the info on file along with submitting this complaint to CFPB did they want to state need to verify ore info and name variances when the real issue is they put false info on my data files and doesn't appear to be addressing any part of the previous complaint issued by me. I ask that you re-open this case. They want a call from e so they can only continue to dance around in circles trying to delay the process even further. They don't care if you file a complaint against the they feel they can just provide any type of response and close the case and that if will all go away. I have already made phone calls to XXXX they only want to play around indicated in previous complaint issued by me. If this was regarding name variance surely they would have asked for the legal court document to show the name change granted in 2016. How are they not addressing the false info they placed on data report but trying to side track the complaint by directing your attention to a lesser concern that was also disputed. You noticed they haven't address the false info they placed on file. If ore info was needed they would have asked for that when I tried talking with XXXX before but what they did was try to place the fault with an insurance company I've never had any dealings with. This is a distraction so that you won't punish them. I have shown the email from the rep there at the insurance organization that they have had no dealings with me. I'm including a copy of the name change so they can't try to further delay deleting the requested info off my data file. Please don't allow XXXX to get away with this. They put the false info on my data report not the XXXX XXXX XXXX XXXX XXXX they lied and tried to pin it on. numerous phone calls have been made to XXXX but once I saw they were playing games I immediately contacted CFPB. This is against the law.
06/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Investigation took more than 30 days
  • DC
  • 20004
Web Servicemember
In XX/XX/XXXX - or XX/XX/XXXX I called to my Auto Insurance company XXXX and requested MVR or Consumer Motor Vehicle Report. Why I asked it? because XXXX agent told to me that in order for me to reduce my Premiums for Auto INsurance, I can attend and complete a Defense Driving ccourse online. I wanted to complete DDC online, but it asked me for Violation Number. I called to XXXX, XXXX and asked where is my MVR? ( Formally XXXX mailed to me MVR on my request. But in XX/XX/XXXX they, the XXXX told to me : I have to go to this website : XXXX and it is a LEXIS NEXIS website. And when I submit my request, and all the information : Social Security Number, Drivers License number etc, they will mail it to me, So i did. I went to XXXX, I entered my SSAN. I entered my Driving License of driver of Washington District of Columbia. ANd I started to wait. XX/XX/XXXX. nothing happened. I contacted XXXX again. I asked : I have problems to receive my report. XXXX agent told me to go back to XXXX and submit a new request. So i did. This time I copied the Case Number what was given to me : XXXX XXXX. My Drivers License # District of Columbia XXXX. I called to this number of LEXIS NEXIS : XXXX. This URL link XXXX and tel # was given to me by XXXX on XX/XX/XXXX. Again I wait. No nothing. I need to complete my Defense Driving course, in order to reduce Premiums for XXXX but they are in no rush. Finally on XX/XX/XXXX I called to LEXIS NEXIS at XXXX XXXX. I spoke with an agent clerk XXXX, who was very patient and nice to me. The Phone I called is XXXX. XXXX could not find my case XXXX # XXXX. XXXX asked me for email address and SSAn and Driving license all over again. I really dont remember if XXXX solicited my SSAN, because I was very upset. But I wrote down now, in third time, that she solicited Driving License. After XXXX solicited DC DL # XXXX, she told to me that yes, she sees that I requested online my MVR, my MVR Consumer report. That it was in the process of mailing to me and I will recieve it in 10 days maximum. ( Starting from which day? XX/XX/XXXX? XX/XX/XXXX? XX/XX/XXXX? ) XXXX told to me that XXXX is not a Lexis Nexis website. I told to XXXX, that XXXX gave to me this URL address and told to me to submit my request to obtain my Motor Vehicle Rep from the XXXX website, or LEXIS NEXIS website. ( One of the LEXIS NEXIS websites ). I need my MVR in order to complete " Defense Driving Course '', to reduce Premiums. XXXX said : no it is wrong. It is not OUR ( Lexis Nexis ) website. XXXX gave to me her ID # XXXX, The time was XXXX XXXX of XX/XX/XXXX. After I gave to XXXX again my confidential private information, she found me. She said that yes we have MVR for you. ( Thus the website XXXX was and is a Lexis nexis website? ) XXXX said that on XX/XX/XXXX LEXIS NEXIS prepared for me the following MVR : # XXXX # XXXX # XXXX # XXXX # XXXX Driving HIstory : # XXXX # XXXX My Motor vehicle Report is XXXX My Claim MVR is XXXX XXXX XXXX. She said that My Consumer ID is XXXX XXXX XXXX. That I must receive my MVR after one week or ten days from now. XXXX Today on XX/XX/XXXX, I received a letter from Lexis Nexis. The letter says that they can not mail to me my report, MVR, because they dont have information. ( Bellow is a copy of their letter from the LEXIS NEXIS. ) I called right away today to XXXX at aprx XXXX XXXX to their number. Spoke with XXXX who said that they dont give their ID number. ( to upset consumers ) I hung up. I called again and spoke with XXXX ID # XXXX. XXXX said that she can not find me and my MVR under the Case number and my consumer ID number. The Consumer ID number is XXXX XXXX XXXX. Again she said that she need to solicit all my confidential information in order to start search for my case and even though that I gave to her my consumer ID from their ( LEXIS NEXIS ) email to me today. I could not speak no more, I was just overwhelmed ... I called to XXXX and spoke with XXXX. XXXX 's ID is XXXX. He said that XXXX can not mail to me MVR from LEXIS NEXIS. That it is against the law. I told to him : but before in XX/XX/XXXX-XX/XX/XXXX XXXX mailed to me my MVR by LEXIS NEXIS. ANd it was not against the law! He said not this time. I told to him I am so frastrated and upset how it is happening and that I am loosing money! That without my Motor Vehicle Report or MVR, I can not complete Defense Driving course. I can not remove violation. And I can not save money on Premiums and on Driving report and that I will submit my complaint about how it is happening. LEXIS NEXIS pulling my leg and solicit information about me but refuse to give me my MVR!!! I am loosing money .I asked to speak with Supervisor of XXXX . XXXX scheduled me to talk with manager, as he said to me, I dont know if it will happened. And I am doing so in hope that maybe someone will mail to me my Consumer Motor vehicle Report? They solicited my information by providing to me hope that they will mail it to me 3 times now!!! nothing happened yet!!! The Auto Insurance co told to me that they increased my premiums because of MVR report. But I can not obtain this report. look what is happening!!! It is already one moneth ( 30 days ) and 10 days or 40 days and today 's email from LEXIS NEXIS was a " XXXX '' which made me to write my complaint to you about what is happening and aks you please to help me to get my MVR to go to Defense Driving Course. This is a letter which I received today from the LEXIS NEXIS about my MVR. CONSUMER ID # XXXX XXXX XXXX [ Incident : XXXX ] Tue, XX/XX/XXXX XXXX XXXX LexisNexis Consumer Support ( XXXX ) To : you Details Image Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days. Thank you for allowing us to be of service to you. To update your question with additional information, click here CONSUMER ID # XXXX XXXX XXXX Response By Email ( XXXX ) ( XX/XX/XXXX XXXX XXXX ) Dear XXXX XXXX, Thank you for contacting LexisNexis. Your comments and questions are very important to us. We have received your request a copy of your MVR report. However, we are unable to verify your record based on the information provided. You are welcome to provide us with more information by replying to this email or giving us a call at ( XXXX ) XXXX. We need the following information to verify your identity and to check whether any reports are available : Your social security number Drivers license number ( including state of issuance ) Date of birth Current mailing address and prior mailing address if you have been at your current residence less than two years. If any additional assistance is required, please feel free to contact us again. LexisNexis Consumer Center Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : SolvedXXXX XXXX
09/19/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78852
Web
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, IA XXXX Re : XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX Notice of Dispute for Debt Not Due Under the Fair Credit Reporting Act Complainant, XXXX XXXX XXXX, a resident of XXXX XXXX, XXXX XXXX, Texas, brings before the Consumer Financial Protection Bureau ( CFPB ) this Complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, Consumer Reporting Agencies, collectively referred to hereinafter as ( CSAs ), XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for : a. The reinsertion in his consumer files by the CRAs of previously deleted items of information, unverified and uncertified for accuracy furnished by XXXX, as agent for XXXX that Complainant is indebted to XXXX to the sum of {$230.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX rendered unto complainant on XX/XX/XXXX, unverified and uncertified for accuracy without notice to Complainant of the reinsertion by the CRAs within five ( 5 ) days of the reinsertion, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) and to b. Dispute the validity of the reinserted information as provided pursuant to 15 U.S.C. 1692g, and in support hereof presents : 1. As reported to the CRAs on XX/XX/XXXX, for inclusion in Complainants consumer files, XXXX, a third-party debt collector, on XX/XX/XXXX, opened a collection on behalf of its principal, XXXX, to collect a balance allegedly due XXXX by Complainant to the sum of {$220.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX rendered unto complainant on XX/XX/XXXX. ( See : XXXX Account No. XXXX ). 2. Annexed hereto is a billing statement from XXXX for XX/XX/XXXX, which reflects a XXXX balance. As there is no balance due XXXX for services rendered to Complainant on XX/XX/XXXX, there is no debt due XXXX by Complainant or XXXX or other services rendered on that date and hence Complainant challenges the validity of the debt alleged pursuant to 15 U.S.C. 1692g. 3. On XX/XX/XXXX, I registered Complaint with this agency against the CRAs for the exact same issue. See : CFBP Complaint No. XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX, and XXXX ( XXXX XXXX. 4. Upon reinvestigation it was determined that I was not indebted to XXXX to the sum of {$220.00} for XXXX XXXX rendered on XX/XX/XXXX and the information was DELETED from my consumer files with the CRAs and remained so until XX/XX/XXXX. 5. The only difference is that upon those complaints the third-party debt collector acting on behalf of XXXX was XXXX and XXXX and not XXXX. The fact remains, however, that the information furnished the CRAs regarding Complainants alleged indebtedness is the same information that was determined to be inaccurate and deleted from consumer files. 6. As per the attached XXXX statement, the same result is warranted : Removal from my consumer files of the inaccurate and disputed information of my indebtedness to XXXX to the sum of {$220.00} for services rendered on XX/XX/XXXX. 7. At no time prior to XX/XX/XXXX did either of the CRAs provide Complainant with a statement that the previously deleted items of information were being reinserted into my consumer files, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ). 8. Additionally, ACA may want to inform its principal, XXXX that in fact it is XXXX who owes me. 9. As of XX/XX/XXXX, Complainants primary health insurer was XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. XXXX Id. XXXX. 10. Moreover, Complainant had secondary health insurance p XXXX XXXX and XXXX XXXX of Texas ( XXXX ), a XXXX XXXX XXXX ( XXXX ) organized and operating under the laws of the State of Texas, through its parent company, XXXX XXXX XXXX XXXX, with its principal place of business at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 11. Primary insurance is the insurance that pays its portion medical claims first. XXXX XXXX insurance is the insurance that pays the remainder of the medical claim. Medical claims are submitted first to the primary insurer and that plan pays out the maximum amount an insured is allowed. After the primary insurer pays, then and insured 's secondary health insurer helps to cover the rest, including co-insurance. 12. At all times pertinent, XXXX was a participating provider within the both the XXXX and XXXX networks, meaning that XXXX, XXXX, and XXXX negotiated by contract the amount of payments that XXXX would receive from XXXX and XXXX for services provided ( less plan discounts ) including XXXX. 13. For the XXXX services provided on XX/XX/XXXX, XXXX submitted a claim to XXXX to the sum of {$5600.00}. As per its contract with XXXX, the maximum amount XXXX allows for an XXXX is {$220.00}, which it paid, leaving Complainant with a co-insurance balance of {$200.00} 14. XXXX also submitted the {$5600.00} claim to XXXX. Less, plan discounts negotiated between them, XXXX paid XXXX the sum {$860.00}, which more than satisfied Complaints co-insurance balance of {$200.00}. ( As secondary insurer, XXXX was obliged only to pay the {$200.00} ). 15. XXXX was paid by both XXXX, as primary insurer, and XXXX, as secondary insurer, in accordance with their negotiated payment agreements. Hence, as the XXXX statement reflects, I owe XXXX nothing. In fact, it is XXXX which received an overpayment of {$660.00}, which it actually owes me, and which I hereby demand from its agent, XXXX. 16. The foregoing considered ; I respectfully request : ( a ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). ( b ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). ( c ) Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to XXXX, XXXX, and XXXX consumer agencies by XXXX. ( d ) Payment from XXXX on behalf of its principal, XXXX, to the sum of {$660.00}, for unjust enrichment for overpayment of a thing not due. 17. XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX. XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX. XXXX Collection agency may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia. XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Sincerely, XXXX XXXX XXXX XXXX
10/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30339
Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
07/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 71602
Web
For over 100 days I've attempted to reach each credit bureau and HAVE not received ONE RESPONSE from any bureau. BELOW IS The information I'd like investigated and removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To all three Credit BUREAUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Please refer to my previous letter for the information that needs to be re-investigated. XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following inquiry is more than XXXX years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Other information I would like changed XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. This is the wrong creditor for this item XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX-******************* Please investigate and delete from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. Validate Account XXXX XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. XXXX. The following personal information is incorrect XXXX XXXX XXXX. Account XXXX : XXXX Please remove it from my credit report. XXXX. This is a duplicate account TXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely yours, XXXX XXXX
12/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89502
Web
To the CFPBOmbudsman ; I am a XXXX, elderly woman living in XXXX Nevada. I have had some issues with my rental credit in the past, however, I have made amends to the establishments and have even gotten the court judges to drop my case from their files. The courts also supplied me with letters and documentation as proof of my actions. I am attaching the letters of proof to this email for your consideration when replying to me in regards to what assistance you might be able to give me and direction in which to go from here. I have filed several complaints and disputes regarding having these negative items removed from my reports per the judges in kind. Here in XXXX Nevada, there is a function all too familiar to some consumers in regards to apartment credit checks. The upper-end apartments in clean, safe suburbia with access to bus lines, walkability and for those of us with no means of transportation, half the price of rent on brand new apartments built for low income, XXXX, or elderly have only one credit checking website that they utilize ... XXXX and LexisNexis. I have disputed incorrect, outdated information, and provided explicit proof for about 8 months straight trying to pass a rental property credit check that these affordable, brand new apartments rejected me in after hundreds of dollars in credit checks just trying to move into a safer, cleaner neighborhood for half the price of where I live now. Every month there are at least two homicides within blocks of my roach-infested, slum-lord apartments I have lived in with perfect renters credit for 6 years ... NEVER LATE ... 2-3 DAYS PAID IN ADVANCE. These extremely affordable, better-suited apartments average about 400 per month with all the luxuries and section 8 applicable. They have taken every dime of the credit check money with a smile knowing that they were not ever going to allow me to move in and this was because the XXXX/LEXISNEXIS credit reporting agency says that they don't care what the judgment in court did to help me continue my exemplary renter 's credit. They continue to this day to take my dispute and reply that they basically don't care and are not ever going to remove the outdated and incorrect information from my XXXX/LEXISNEXIS renter report. I am forced into indefinite punishment for unwarranted demise due to something that has been rectified, accepted by the judicial courts ( eviction ) as a forgivable incident of which I have not incurred in 6 and a half years. I have perfect renters credit. However, in XXXX, it's common knowledge that these two credit agencies work hand in hand with upper end more affordable apartments in safer neighbors to the leasing agents. Certain people are just not going to be accepted as a tenant based on other conditions in question and XXXX helps the leasing agents maintain social operation among its tenants. I am not perfect. I have, like everyone on the planet, had some hard or discouraging developments in the past, but I recovered and worked hard to live out the rest of my maybe short life happy and with feelings of accomplishment in m older years and retirement. I was blessed to be so young to retire early and now I just want some stability, a permanent home, and not to constantly move from one slum to the next only to find out that it's twice as bad as the one I left. I have attached a short video of what I have been forced economically to withstand for two years now ... and it gets worse. As I said before XXXXXXXX/LEXISNEXIS refuse to correct this incorrect and outdated information on my report and the courts and judge say they should be ashamed and should remove it. Other than that, my report is perfect. I am XXXX and trying to stop living like I'm working again paying XXXX rent on a {$1700.00} income in destitute and unlivable conditions. It's amazing to have a XXXX XXXX XXXX built with my own hands and determination to constantly hear the words .... '' I'm really, there's nothing we can do. By the way, the XXXX deposit to hold the apartment will be reissued by mail in about 8 weeks. It's coming from corporate. " ( devilish grin ) Ok, so much for having money to do other things or look elsewhere until that check comes in the mail. I am so sorry if I sound familiar that the poor little old lady with an eviction 6 and half years old in her past begging for help after her dubious blunder. I need an advocate. I have investigated and sought assistance from legal aid, tenant/landlord services, XXXX Fellowships XXXX XXXX Charities ( Peace be with you ), the City of XXXX, etc. Doors shut -- -locked -- -forget about it. I don't give up. I am not afraid or too proud or too angry to reach out time and time again for the help. If you can't do anything, at least refer me to someone other than a XXXX dollars. XXXX? How can you help me get this unflattering derogatory, outdated, corrected information off my XXXX/LEXISNEXIS rental report? Will you give me a chance to help someone else in kind after which? Pay it forward. I have an Ombudsman assisting me with my {$11000.00} XXXX XXXX medical bills right now. So, you can imagine when I was reading the consumer assistance data from the credit report, how elated I became to see that there is also an advocate Ombudsman for those of us being scrutinized and deterred from an equal quality of life. All I know is that people that they want to pass the credit checks regardless of similarities, somehow move in and with no deposits, first and last, reduced rent, and third-floor majestic views from the balcony of their never-lived-in apartments. Somewhere, somehow, someone is what I need. This is no urgent matter anymore but I'd like to see some improvement without guardrails and keep-out signs. I was quickly qualified for the apartment I was left for choice in the projects. I move in on XX/XX/XXXX and as usual, the complex welcomed me in with no deposit, on good credit standing through XXXX ; however the catch ...... I have to move in accepting that the apartment is in renovation and not ready for move-in. They are desperate to fill the units. My medical XXXX is going to suffer from my transgressions. Sometimes, prayer just isn't enough. Please feel free to contact me using the information I provided below. I need to at least hear some advice and a possible fix. I don't know how you work or what you can or can not do, but please don't delete this letter and forget about me. I'll be standing humbly behind you waiting my turn. It's not fair that XXXXLEXISNEXIS is refusing to delete this derogatory information from my file. How can you help?
09/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30291
Web Servicemember
Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Date of birth : XXXX RE : REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or all of the aspects of alleged account information documentarily to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting. To whom it might concern, NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIMS. This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The account ( s ) in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. Under the Fair Credit Reporting Act, 15 U.S.C.? S 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, if you are unable to provide me with a copy of the verifiable and irrefutable proof that you have on file for everyone even each any and or all of the adverse accounts listed below NO LATER than 30 days of receipt of this complaint challenging your compliance to true accurate and complete timely reporting then you must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSE WISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. I demand the following accounts be properly verified of Metro 2 COMPLIANCE, as REQUIRED! PROVE OR DELETE IMMEDIATELY! Name of ALLEGED Account : Alleged Account Number : Provide Physical Proof of Verification or Please DELETE IMMEDIATELY!! XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX Data Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : 0.00, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : 0.00, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly.EALL XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. Please provide me with a copy of an updated and corrected credit report showing these items removed. Thank You, XXXX XXXX
12/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60707
Web
This company has failed to comply over and over again! They have included information in my report for 2 other individuals who are not me. I started an investigation with them back in XXXX and have not received the results or an updated printed report that reflects the changes. We were able to fax them up until the end of XXXX. Since then, they have disabled their fax. My daughter was included in this complaint and did access and did consent. We are disputing together because they have combined our information. They keep sending us letters with pin numbers and passwords that have expired because they're altering the dates that they're generating the letter. The letters may have XX/XX/XXXX but the envelope will have XX/XX/XXXX for example. WE DO NOT WANT A PIN AND PASSWORD TO ACCESS ONLINE. WE WANT FULL. COKPLETE, PRINTED COPIES MAILED TO US. THESE PEOPLE KNOW DAM WELL THOSE PHONE NUMBERS THAT THEY PROVIDED DO NOT WORK. MY DAUGHTER AND I HAVE CALLED AND KEEP BEING ROUTED TO THE AUTOMATED SYSTEM AND THEN IT EVENTUALLY HANGS UP. THE SUPERVISOR NUMBER LISTED IS A VOICEMAIL ONLY. WE HAVE LEFT MESSAGES! I HAVE ALL OF THE CALLS WE HAVE MADE TO THEM RECORDED. WE HAVE TRIED FOR MONTHS TO GET THESE PEOPLE TO SEND US OUR COMPLETED REPORTS, RESULTS FROM DISPUTE. WE HAVE REQUESTED THAT THE TRANSCRIPTS FROM THE CALLS BE SENT TO US. AS SOON AS WE RECEIVE THEM, WE WILL SUBMIT A NEW COMPLAINT AND UPLOAD THEM HERE. WE HAVE ALSO STARTED THE TORT LAWSUIT AGAINST THEM FOR VIOLATING OUR RIGHTS. I WILL ALSO SUBMIT THAT INFORMATION ONCE IT IS APPROVED BY THE COURTS. WE WILL CONTINUE TO FILE COMPLAINTS AND SUE THEM FOR FALSIFYING INFORMATION. REPORTING INCORRECT INFORMATION. I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. NOW I UNDERSTAND WHY. THESE XXXX INTENTIONALLY REPORT THE WRONG STUFFBECUASE IT IS HOW THEY GET PAID! I have attached copies of their responses to my previous complaints filed with CFPB. They said that they don't have my daughter 's consent to send her information but they clearly have her name listed on MY report! AND my name listed on her report! MY DAUGHTER AND I RESIDE AT THE SAME ADDRESS! WE ARE DISPUTING OUR REPORTS TOGETHER AT THE SAME TIME TO ENSURE THAT THE INFORMATION IS CORRECTED FOR BOTH OF US! WE HAVE MAILED AND FAXED THESE DOCUMENTS SEVERAL TIMES! LEXISNEXIS, XXXX, XXXX AND XXXX ALL CLAIM THAT THEY DON'T HAVE ENOUGH INFORMATION TO ACCESS MY DAUGHTER AND I 'S INFORMATION VIA AN ONLINE COMPLAINT BUT ALL OFTHE SAME INFORMATION IS PROVIDED OVER THE TELEPHONE AND IN THE ATTACHMENTS AND ON THE CREDIT REPORTS THAT THEY SEND OUT! WHAT MORE DO YOU NEED? ONE OF OUR BODY PARTS AND LIMBS? MY DAUGHTER AND I ONLY HAVE THE SAME FIRST NAME BUT YOU CONTINUE TO INCLUDE US ON EACH OTHER 'S REPORT. YOU INCLUDE US ON EACH OTHER 'S REPORT BUT WON'T ALLOW US TO DISPUTE OUR INFORMATION TOGETHER? YOU HAVE US AS ONE PERSON ON EACH OTHER 'S REPORTS BUT WON'T FIX US? WE DISPUTE TOGETHER SO YOU LYING SON OF A GUNS CAN'T DENY THE FRAUDULENT AND INCORRECT INFORMATION THAT YOU ARE REPORTING. MY LAST NAME IS XXXX HER LAST NAME IS XXXX. IF YOU REVIEW THE ATTACHED DOCUMENTS, YOU WILL SEE BOTH NAMES ON ALL OF OUR REPORTS! YOU HAVE US MIXED UP AND COMBINED! FIX IT NOW! FIX IT NOW! FIX IT NOW! BEFORE XXXX ENDS YOU WILL HAVE MULTIPLE LAWSUITS FILED AGAINST YOU FOR INTENTIONALLY REPORTING THE WRONG INFORMATION AND INTENTIONA ; LY FAILING TO RESOLVE IT! This company has failed to comply over and over again! They have included information in my report for 2 other individuals who are not me. I started an investigation with them back in XXXX and have not received the results or an updated printed report that reflects the changes. We were able to fax them up until the end of XXXX. Since then, they have disabled their fax. My daughter was included in this complaint and did access and did consent. We are disputing together because they have combined our information. They keep sending us letters with pin numbers and passwords that have expired because they're altering the dates that they're generating the letter. The letters may have XX/XX/XXXX but the envelope will have XX/XX/XXXX for example. WE DO NOT WANT A PIN AND PASSWORD TO ACCESS ONLINE. WE WANT FULL. COKPLETE, PRINTED COPIES MAILED TO US. THESE PEOPLE KNOW DAM WELL THOSE PHONE NUMBERS THAT THEY PROVIDED DO NOT WORK. MY DAUGHTER AND I HAVE CALLED AND KEEP BEING ROUTED TO THE AUTOMATED SYSTEM AND THEN IT EVENTUALLY HANGS UP. THE SUPERVISOR NUMBER LISTED IS A VOICEMAIL ONLY. WE HAVE LEFT MESSAGES! I HAVE ALL OF THE CALLS WE HAVE MADE TO THEM RECORDED. WE HAVE TRIED FOR MONTHS TO GET THESE PEOPLE TO SEND US OUR COMPLETED REPORTS, RESULTS FROM DISPUTE. WE HAVE REQUESTED THAT THE TRANSCRIPTS FROM THE CALLS BE SENT TO US. AS SOON AS WE RECEIVE THEM, WE WILL SUBMIT A NEW COMPLAINT AND UPLOAD THEM HERE. WE HAVE ALSO STARTED THE TORT LAWSUIT AGAINST THEM FOR VIOLATING OUR RIGHTS. I WILL ALSO SUBMIT THAT INFORMATION ONCE IT IS APPROVED BY THE COURTS. WE WILL CONTINUE TO FILE COMPLAINTS AND SUE THEM FOR FALSIFYING INFORMATION. REPORTING INCORRECT INFORMATION. I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. NOW I UNDERSTAND WHY. THESE XXXX INTENTIONALLY REPORT THE WRONG STUFFBECUASE IT IS HOW THEY GET PAID! I have attached copies of their responses to my previous complaints filed with CFPB. They said that they don't have my daughter 's consent to send her information but they clearly have her name listed on MY report! AND my name listed on her report! MY DAUGHTER AND I RESIDE AT THE SAME ADDRESS! WE ARE DISPUTING OUR REPORTS TOGETHER AT THE SAME TIME TO ENSURE THAT THE INFORMATION IS CORRECTED FOR BOTH OF US! WE HAVE MAILED AND FAXED THESE DOCUMENTS SEVERAL TIMES! SO BEFORE YOU LIE AND SAY THAT WE ARE NOT COMBINED OR REPORTING ON EACH OTHERS REPORTS, REVIEW EVERYTHING THAT IS INCLUDED! I HAVE UPLOADED BOTH HER DOCUMENTS AND MINE! HER REPORTS AND MINE! HER DISPUTE LETTERS AND MINE! NEXT COMPLAINT WILL INCLUDE LEGAL DOCUMENTS TO SUE! SHE INCLUDED IN THIS COMPLAINT! SHE HAS FULL ACCESS! WE AGREED TO FILE IT TOGETHER SO THAT IT WILL HELP RESOLVE OUR ISSUES TOGETHER!
12/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30042
Web
I recently wrote LEXIS-NEXIS and I asked them to remove public record that was illegally put on my profile they did remove it from the main part of the report but then the back page of the report they still listed it but didnt list some of the information. They also after my request to dispute some of the information that was either in accurate incorrect or outdated, ask them to remove all of that information that was either in accurate outdated or just did it belong to me they failed to remove the information that I asked had highlighted on the documents. I highlighted it in yellow even wrote notes and arrows to point to the information being disputed intern while they made that one correction which was removing that public record that was illegally put on my data report they added some information that did not belong to me belongs to some person that I have no idea who that person is and they kept trying to shift the blame To an insurance company that I have absolutely no dealings with that insurance company listed on the report that you see attached offers homeowners policies I have never owned a home in my entire life and so they kept shifting the blame to the XXXX company so theyre playing games to see if they can keep erroneous information on your data report as long as they possibly can. You dispute items they may remove one or two leave the others and then add something else that totally didnt belong to you. They added something that they pull from a court file that is very outdated to my report. Then they added this information saying that I had asked for a quote from our insurance company that does homeowners insurance policies and Ive never in my entire XXXX years never have I owned a home so why in gods green earth would I be asking for a quote for homeowners policy for myself and then it had some womans name listed in a whole other State that Ive never been to not ever in Louisiana. So in them shifting the blame to the insurance company I called the insurance company per the number that Lexus Nexus gave me and they couldnt find me in their system and likely so because I have never had any dealings with them they escalated the situation gave me a contact person and I have included that email of that contact from the insurance company they have listed on my LEXIS-NEXIS report stating that they have never had any dealings with me and that LEXIS-NEXIS is the one that mustve put the information there in error. But it seems too convenient that when you start disputing information they want to play games they dont care and then they try to get you to talk to them on the phone so that she wont have your protection the normal protections when youre putting things in writing when youre disputing things in writing and what not. So they are definitely playing games and theyre trying to make sure that they can continue to play those games if they feel that someones ignorant to their games and dont have the knowledge that others might have when you start disputing items. Ill ask him via phone to remove that mess off of my report and of course I have voicemails from this representative from LEXIS-NEXIS stating that there was nothing they could do about it the insurance company is the one that report said that they have to be the one to send the information back or the request back saying it was an error and of course you can see the email from the representative from that insurance company state differently but I noticed that he put on there as you said or as you mentioned instead of you are absolutely right we do not have any information in our database on you but steal his statement about LEXIS-NEXIS having put the information in there suffices Just show you that they are not the ones responsible for putting the information and I have a voicemail from the XXXX the representative from LEXIS-NEXIS stating that that insurance company is the one is the blame for reporting the information to LEXIS-NEXIS so both of them are going back-and-forth shifting the blame and Im in the middle and its hurting my dad a report. And so they think that they can get away with this and I have made them know that if they dont remove that information now I will follow lawsuit I am not playing how dare you allow them to get away with this I beg of you do not allow them to get away with this because clearly theyre playing games like nobodys business and they dont care because theyre playing games and theyre what they want to push it to the max as much as they can get away with the wheel which is unscrupulous practices and unethical practices and I am ready if they dont remove this immediately to take them to court and sue them all. And I have made them aware of that but guess what they dont care they want to play this game they want to keep shifting the blame between one another between the two different companies and just imagine the other people that are going through this. Ill write a letter for them to remove items from my data report they remove one or two and then add stuff that should not have been there in the first please. So I ask of you, consumer financial protection bureau, to please ensure that you make them remove everything that Ive highlighted and all of that erroneous information that does not belong to me I am attaching the report now and the letter that I sent to them and I still have the voicemail from the representative from LEXIS-NEXIS blaming the insurance company for reporting the information and then they are putting information on my report that is outdated that was never ever there before not ever so how all of a sudden it got on my report so that tells you theyre using a computer I system to do this for them but if they dont stop this nonsense I am prepared to take them to court quickly. Please provide the assistance that I need to get these companies to stop reporting false information on my report outdated information on my report in accurate information on my report. Thank you. Please excuse any typos, using speech to text. XXXX XXXX
10/13/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78852
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Texas XXXX XXXX ( XXXX ) XXXX | ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX Member Id. XXXX Re : XXXX Account Number : XXXX CFPB Complaint Case # : XXXX Details : Complainant Date-of-Birth : XXXX Complainant Social Security No. XXXX Complaint In Rebuttal to XX/XX/XXXX Response of XXXX XXXX XXXX BEFORE THE CONSUMER FINANCIAL PROTECTION BUREAU : I, XXXX XXXX XXXX, Complainant herein, and In Complaint and Rebuttal to the XX/XX/XXXX correspondence of the XXXX XXXX XXXX ( " XXXX '' ) represent as follows : 1. I am not indebted to XXXX 'S client, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) to the sum of {$220.00} for services rendered on XX/XX/XXXX. 2. While the documentation provided may establish an outstanding balance, they do not, however, establish the validity of the alleged debt itself as said documentation only provides dates of service of XX/XX/XXXX and not a description of the services nor my signature acknowledging the services. 2.1 To this date, XXXX has failed to perform its lawful obligation to mitigate any potential losses by failing to submit a bill to Louisiana XXXX. 2.2 Pursuant to Title 8, section 91.001 : The general rule in Texas is that damages that may have been avoided or mitigated are not recoverable, and an injured party must use reasonable efforts to avoid or mitigate its losses. The standard is that of ordinary care, and what an ordinary prudent person would have done under the same or similar circumstances. And, while an injured party has a duty to minimize its damages, this duty arises only if the damages can be avoided or mitigated with only slight expense and reasonable effort. 2.3 XXXX was advised that all it had to do was request the issuance of a Louisiana XXXX Identification Number, an act that could have been, and can be still, accomplished with minimum effort. La. XXXX No. XXXX 3. For the reasons that follow, XXXX actually owes me money due to insurance overpayments for services rendered on XX/XX/XXXX : 3.1 As of XX/XX/XXXX, Complainants primary health insurer was XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, XXXX XXXX. Member Id. XXXX. 3.2 Moreover, I had secondary health insurance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Health Maintenance Organization. 3.3 Primary insurance is the insurance that pays its portion medical claims first. Secondary Health insurance is the insurance that pays the remainder of the medical claim. Medical claims are submitted first to the primary insurer and that plan pays out the maximum amount an insured is allowed. After the primary insurer pays, then and insured 's secondary health insurer helps to cover the rest, including co-insurance. 3.4 At all times pertinent, XXXX was a participating provider within the both the XXXX and XXXX networks, meaning that XXXX, XXXX, and XXXX negotiated by contract the amount of payments that XXXX would receive from XXXX and XXXX for services provided ( less plan discounts ) including XXXX. 3.5 For the XXXX services provided on XX/XX/XXXX, XXXX submitted a claim to XXXX to the sum of {$5600.00}. As per its contract with XXXX, the maximum amount XXXX allows for an XXXX is {$220.00}, which it paid, leaving Complainant with a co-insurance balance of {$200.00}. 3.6 XXXX also submitted the {$5600.00} claim to XXXX. Less, plan discounts negotiated between them, XXXX paid XXXX the sum {$860.00}, which more than satisfies the debt of {$220.00} allegedly owed for services provided on XX/XX/XXXX. 3.7 Less the {$220.00} XXXX claims it is owed in the instant scenario, it still owes me the sum of {$640.00}. 4. Notwithstanding that XXXX owes me money in excess of {$220.00}, XXXX 's collection efforts may be in conflict with a payment arrangement I have with XXXX 5. Additionally, XXXX is lawfully obligated to cease and desist collection efforts on behalf of XXXX as XXXX is not lawfully licensed as a Collection Agency in the State of Texas as it has not posted the requisite surety bond as required pursuant to Title 5 of the Texas Finance Code, section 392.001, which provides : BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. 6. The foregoing considered ; I respectfully request : 6.1 Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 6.2 SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 6.3 SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ), as XXXX has not satisfied the requirements of Title 5 of the Texas Finance Code, section 392.001 to lawfully operate as a third-party debt collector in the State of Texas. 6.4 Payment from XXXX on behalf of its principal, XXXX, to the sum of {$640.00} for unjust enrichment for overpayment of monies not due. Sincerely, __________________________ XXXX XXXX XXXX
09/22/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78852
Web
XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX ( Member Id. XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( Account number XXXX Collection opened XX/XX/XXXX Balance on XX/XX/XXXX {$200.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : XXXX XXXX XXXX, Complainant DOB : XXXX/XXXX/XXXX SSN : XXXX Prior CFPB Complaints : XXXX : ( XX/XX/XXXX ) XXXX : ( XX/XX/XXXX ) Notice of Dispute for Debt Not Due Under the Fair Credit Reporting Act Complainant, XXXX XXXX XXXX, a resident of XXXX XXXX, XXXX County, Texas, brings before the Consumer Financial Protection Bureau ( CFPB ) this Complaint against XXXX XXXXXXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), Lexis-Nexis ( Lexis ) and XXXX ( XXXX ), Consumer Reporting Agencies, collectively referred to hereinafter as ( CSAs ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) for : a. The reinsertion in his consumer files by the CRAs of previously deleted items of information, unverified and uncertified for accuracy furnished by XXXX, that Complainant is indebted to XXXX to the sum of $ {$200.00} without notice to Complainant of the reinsertion within five ( 5 ) days of the reinsertion, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) and, further, to b. Dispute the validity of the reinserted information as provided pursuant to 15 U.S.C. 1692g, and in support hereof presents : 1. On or about XX/XX/XXXX, XXXX, a third-party debt collector, opened a collection action on behalf of its principal, XXXX, to collect a balance allegedly due XXXX by Complainant to the sum of {$200.00}. ( See : Account No. XXXX ). On or about XX/XX/XXXX, XXXX reported its collection action to the CRAs for inclusion in Complainants consumer files. 2. On XX/XX/XXXX, Complainant registered Complaint with this agency against the CRAs and XXXX XXXX XXXX XXXX XXXX XXXX, a third-party debt collector, seeking resolution for the exact same issue. ( See : CFBP ID. Nos. XXXX and XXXX ). 3. Upon reinvestigation it was determined that I was not indebted to XXXX to the sum of {$200.00} XXXX and the information was DELETED from Complainants consumer files with the CRAs and remained so until XX/XX/XXXX. 4. The only difference is that upon those complaints the third-party debt collector acting on behalf of XXXX was XXXX and not XXXX. The fact remains, however, that the information furnished the CRAs regarding Complainants alleged indebtedness to XXXX is the same information that was determined to be inaccurate and deleted from consumer files. 5. Annexed hereto is a copy of CFPC Complaint submitted on XX/XX/XXXX. For the reasons assigned therein I DISPUTE and REASSERT that the information furnished the CRAs by XXXX to as to my indebtedness to XXXX is inaccurate, false, misleading, unverified and AGAIN warrants REMOVAL from Complainants consumer files with the CRAs. Pursuant to the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ), CRAs are obliged to adopt reasonable procedures to prevent the reinsertion in consumer files previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by debt collectors and other furnishers of information. 6. As the reappearance and reinsertion of information regarding Complainants indebtedness to XXXX into Complaints consumer files appears to be an annual event ( every XXXX like clockwork, with the only difference being the identity of the debt collector ), Complaint asserts that the CRAs have willfully and negligently breached their obligations to adopt reasonable procedures to prevent the reinsertion in consumer files previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by debt collectors and other furnishers of information in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ). 7. The foregoing considered : Complainant respectfully requests : ( a ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). ( b ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). ( c ) Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to XXXX, XXXX, and XXXX consumer agencies by XXXX. ( d ) The CRAs cease and desist from reinserting into Complainants consumer files previously deleted items of information regarding Complainants indebtedness to XXXX irrespective of the identity of the debt collector. Riding upon this merry-go-round every year regarding a BOGUS debt claim is getting OLD. Moreover, its illegal and constitutes HARRASSSMET under the terms of the Fair Credit Reporting Act. Neither any other Complainant nor I should have to endure this scenario year-after-year. 8. The CRAs, XXXX, and XXXX are hereby put on notice that if SUSPENSION of collection activities, including the removal from Complainants consumer file of the previously deleted information complained of, are not effected withing thirty days of receipt of this Complaint, suit will be filed for damages, injunctive, and other available relief in a court of competent jurisdiction. Again, this manure needs to STOP. 9. A copy of this Complaint is being submitted to the Attorney General for the State of Texas for receipt and treatment as a consumer complaint before that Office as permitted by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30042
Web
They have verified me over and over again. Again, this is stall tactic they're using to keep illegal information on my data file. The evidence has bee presented to CFPB. They added false information to the file that wasn't there before so that clearly let 's you see they are playing games. I ask that you don't allow Lexis to get away with this. They don't like it when people start disputing items on data report their job is to keep as much negative information on you as possible. They placed the information there not the insurance company in Florida they tried to pin it on. This clearly let 's you see their lies. In the previous months they have verified and verified to even issue the multiple reports they have sent so I can access a copy of the report online. If I need to upload the multiple reports to show how we've been corresponding over the past months I will happy to do that. I will also be getting in contact with the media for further investigation so they can make the public aware of their actions. They posted the following : In this complaint filed with your office, XXXX XXXX alleges that fraudulent name variances, business associations, and addresses are reporting within her file. In response to XXXX XXXX complaint, LexisNexis initiated a dispute of said the following records on her behalf : Who is XXXX XXXX... .this is clear that they are asking erroneous error, add-ons to my data files. Only after I disputed, yet again, the info on file along with submitting this complaint to CFPB, they ( Lexis ) wants to state, need to verify more info and name variances when the real issue is they put false info on my data files and doesn't appear to be addressing any part of the previous complaint issued by me. I ask that you re-open this case. They want a call from XXXX so they can only continue to dance around in circles trying to delay the process even further. They don't care if you file a complaint against the they feel they can just provide any type of response and close the case and that if will all go away. I have already made phone calls to Lexis they only want to play around indicated in previous complaint issued by me. If this was regarding name variance surely they would have asked for the legal court document to show the name change granted in 2016. How are they not addressing the false info they placed on data report but trying to side track the complaint by directing your attention to a lesser concern that was also disputed. You noticed they haven't address the false info they placed on file. If more info was needed they would have asked for that when I tried talking with Lexis before but what they did was try to place the fault with an insurance company I've never had any dealings with. This is a distraction so that you won't punish them. I have shown the email from the rep there at the insurance organization that they have had no dealings with me. I have noted several issues in the complaint, however they have decided to take the route of talking about a Name variance, which isn't addressing the primary issues express in the previous complaint issued by me. This is an attempt to delay the process of deleting false info that was added by their company, which fully goes against FCRA law, rules and regulations. I have report after report issued by Lexis giving updated reports after previous disputes issued by me. They have verified me over and over again. Again, this is stall tactic they're using to keep illegal information on my data file. The evidence has bee presented to CFPB. They added false information to the file that wasn't there before so that clearly let 's you see they are playing games. I ask that you don't allow Lexis to get away with this. They don't like it when people start disputing items on data report their job is to keep as much negative information on you as possible. This clearly let 's you see their lies. In the previous months they have verified and verified to even issue the multiple reports they have sent so I can access a copy of the report online. If I need to upload the multiple reports to show how we've been corresponding over the past months I will happy to do that. I will also be getting in contact with the media for further investigation so they can make the public aware of their actions. They posted the following : In this complaint filed with your office, XXXX XXXX alleges that fraudulent name variances, business associations, and addresses are reporting within her file. In response to XXXX XXXX complaint, LexisNexis initiated a dispute of said the following records on her behalf : Who is XXXX XXXX... .this is clear that they are asking erroneous error, add-ons to my data files. Only after I disputed, yet again, the info on file along with submitting this complaint to CFPB did they want to state need to verify ore info and name variances when the real issue is they put false info on my data files and doesn't appear to be addressing any part of the previous complaint issued by me. I ask that you re-open this case. They want a call from me so they can only continue to dance around in circles trying to delay the process even further. They don't care if you file a complaint against the they feel they can just provide any type of response and close the case and that if will all go away. I have already made phone calls to Lexis they only want to play around indicated in previous complaint issued by me. Again, please don't allow Lexis to get away with this. They put the false info on my data report not the XXXX XXXX XXXX XXXX company they lied and tried to pin it on. numerous phone calls have been made to Lexis but once I saw they were playing games I immediately contacted CFPB. This is against the law.
08/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89144
Web Servicemember
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
12/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60181
Web Servicemember
This now falls under section 611 ( a ) ( 1 ) [ 1681i ], under the title which includes Expedited Dispute Resolution. And in keeping with such title, LexisNexis has 3 days to comply, after which on XX/XX/2017, I will file a legal action to enforce LexisNexis ' liability in this matter. I am providing my phone number and email address to make it easier for LexisNexis to contact me in the 3 days provided ( XXXX ) XXXX, XXXX. In an effort to clarify my position and the position of LexisNexis for the purposes of litigation, I submit the following : Through the Consumer Financial Protection Bureau and by mail, I have submitted numerous, well-documented challenges to LexisNexis concerning an item, Bankruptcy # XXXX, reported by them to the credit reporting agencies ( i.e. XXXX, XXXX, and XXXX ). XXXX has deleted the item and is not included in this complaint. By their own admission, LexisNexis was unable to verify the item in question in the time allotted by the FCRA : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of the period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. Yet in violation of the following regulation, specifically " Deadline '', LexisNexis continues to report the item as accurate : 623 - 15 U.S.C. 1681s-2 ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. ( 2 ) Deadline. A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 611 ( a ) ( 1 ) [ 1681i ] within which the consumer reporting agency is required to complete actions required by that section regarding that information. LexisNexis ' claim the item is correct is a moot point in light of the time given to them to investigate had expired. Their obligation was and is to " delete '' the item and submit the appropriate documents i.e. " electronic or paper XXXX '' to the Credit Reporting Agencies they report to. Instead, XXXX and XXXX have indicated that LexisNexis has " certified '' the accuracy of this item that LexisNexis had a clear obligation to delete. FCRA regulations do not provide a " Do Over '' to LexisNexis. FCRA regulations under section 611 ( a ) ( 1 ) [ 1681i ] do provide the guidelines for the ( loosely used ) " certification '' claimed. In this case, LexisNexis fails the first paragraph of the guidelines. The ongoing and documented failure of LexisNexis, XXXX, and XXXX to comply with the FCRA shows a willful and negligent way in their handling of my case. Please see the following : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any a requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Additionally, I have made multiple requests to XXXX and XXXX for the name etc of the entity " certifying '' the item in question. To be specific I asked for the " Method of Verification '' to no avail. XXXX and XXXX have given no information on the provider of this information to this date. Conclusion : This now falls under section 611 ( a ) ( 1 ) [ 1681i ], under the title which includes Expedited Dispute Resolution. And in keeping with such title, LexisNexis has 3 days to comply, after which on XX/XX/2017, I will file a legal action to enforce LexisNexis ', XXXX 's, and XXXX 's liability in this matter. I am providing my phone number and email address to make it easier for LexisNexis to contact me in the 3 days provided ( XXXX ) XXXX, XXXX
06/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 36207
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : FAILURE TO RESPOND TO PREVIOUS DISPUTE Of REMOVAL OF XXXX XXXX BANKRUPTCY To Whom this may concern : After reviewing my credit report from XXXX and comparing it the Lexis Nexis Report you recently sent me, I noticed that there is inaccurate information with regard to the filing. On the notice of Bankruptcy Filing it lists the Debtor as : XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute 1 : 1. United States XXXX XXXX Bankruptcy : o Filed XX/XX/XXXX o Case : XXXX o Response from the United States Bankruptcy Court indicating that the Bankruptcy did NOT furnish information to verify this filing as belonging to me. I am Disputing this as this is not me correct spelling of my name, nor do the numbers or address on the filing belong to me or anything in relation to me. This information is inaccurate and needs to be removed from my credit bureau. No address or REG # XXXX has or was ever affiliated with my credit report. Current XXXX file does not reflect either these numbers nor my address as the one listed on the bankruptcy filing. Accordingly because of this inherent disconnect this needs to be removed immediately. Enclosures : 1. United States Postal Service Confirming Receipt 2. Identification of XXXX XXXX 3. United States Bankruptcy Court Verification of Bankruptcy NOT belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 4. CFPB COMPLAINT XXXX 5. Federal Trade Commission ( FTC ) Report of IDENTITY THEFT 6. Bureau of Prisons Letter of Incarceration as PROOF of IMPOSSIBILITY of filing XXXX XXXX BANKRUPTCY Under the Fair Credit Reporting Act ( FCRA ) you are required to verify, validate and ensure that all information on my credit report is reflected as accurate. As I have stated previously, and what the evidence shows, this information on my credit file that reflects, alludes to, or mentions a XXXX XXXX Bankruptcy is inaccurate and needs to be removed. ALL information, data, and Accounts showings or indicating a XXXX XXXX Bankruptcy should be REMOVED immediately. RATIONALE FOR REMOVAL : 1. YOUR PUBLICATION OF MY INFORMATION IS INACCURATE AND VIOLATES THE FEDERAL CREDIT REPORTING ACT : Under the FCRA you are required to ensure that information is not only accurate but in fact, belongs to the credit file in which you are purporting the information is linked. At the time of this Filing of Bankruptcy, I was a resident of XXXXXXXX XXXX, I was not a resident of the XXXX XXXX XXXX XXXX making it Impossible to file a bankruptcy. 2. YOU HAVE FAILED TO ENSURE THAT EXTENDED FRAUD ALERT IS PURPORTED ON MY CREDIT FILE AND THEREFORE CREDITORS/FURNISHERS HAVE NOT BEEN GIVEN NOTICE TO CONTACT ME PRIOR TO ENGAGING OF CREDIT ACTIVITIES : On or about XXXX My information was subject to the XXXX XXXX XXXX and an extended FRAUD alert was placed on my account. Accordingly, I have had issues with my identity and accounts being opened in my name fraudulently. Accordingly, an FTC filing of IDENTITY THEFT has been provided to demonstrate that this information and all information cited as BANKRUPTCY do not belong to me. 3. UNDER FCRA 1022.24 REASONABLE OPPORTUNITY TO OPT-OUT : UNDER THE FCRA id. 1024.24 you as the FURNISHER are required to provide reasonable opportunity to OPT OUT, once a person has requested OPT-OUT you must comply and only furnish limited information about that person to any requesting activity, moreover, with this OPT-OUT provision, you are prohibited from maintaining records outside of General Information regarding the person within your database. As a result of the DATA BREACH, XXXX XXXX OPTED-OUT of allowing furnishers to have access to his information for the purposes of resale, commercial or supplementing the credit bureaus data. Accordingly, the information housed in your database is done so without my expressed permission and is not only a violation of the FCRA but violates my right to Privacy under 1974. 4. ILLUSTRATING AGED INFORMATION AS CURRENT : Each account associated with the XXXX XXXX Bankruptcy is inaccurate and needs to be removed along with the BANKRUPTCY FILING PETITION. As demonstrated this information does NOT belong ot me and is inaccurate. In a review of XXXX the FILING PETITION lists an ADDRESS that DOES NOT BELONG TO ME XXXX XXXX XXXX XXXXXXXX, I have never lived in XXXXXXXX XXXX ; additionally, a FILING of bankruptcy in XXXX with a XXXXXXXX XXXX ADDRESS is inconsistent as XXXX XXXX is in the XXXX XXXX XXXX XXXX for BANKRUPTCY not XXXX. Again the data and inaccurate information in your system conflicts with the jurisdiction of the courts who are reporting these matters and therefore the information can NOT BE VERIFIED and needs to be removed immediately. Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am ordering you to cease and desist from reporting this inaccurate and erroneous information. At this time, I have been denied credit by several lending institutions citing the XXXX XXXX Bankruptcy on my credit file with XXXX. You are hereby, given noticed that If removal and updated credit report are not provided within 15 days of receipt of this correspondence this information contained in this letter combined with the Consumer Protection Financial Bureau ( CFPB ) complaint XXXX filed XXXX XX/XX/XXXX will be the basis of legal remedy sought to enjoin you from furnishing this information and to seek pecuniary damages. Sincerely, XXXX XXXX XXXX, XXXX.
06/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33463
Web
I never authorized these companies to check my credit. Account name XXXX CARD Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX By federal law, your personal credit report must list all organizations that have requested your credit history. If you have evidence or reason to believe that this inquiry is the result of fraud or identity theft, you may Contact us to dispute the inquiry and we also will place a fraud alert on your credit file to protect it from further fraud.

Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX By federal law, your personal credit report must list all organizations that have requested your credit history. If you have evidence or reason to believe that this inquiry is the result of fraud or identity theft, you may Contact us to dispute the inquiry and we also will place a fraud alert on your credit file to protect it from further fraud.

Show less Account name XXXX XXXX XXXX Date of request ( s )XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX No phone number available Show less Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX No phone number available Show less Account name XXXX XXXX Date of request ( s )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX No phone number available Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX CARD Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX No phone number available Show less Account name XXXX/XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX No phone number available Show less Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX By federal law, your personal credit report must list all organizations that have requested your credit history. If you have evidence or reason to believe that this inquiry is the result of fraud or identity theft, you may Contact us to dispute the inquiry and we also will place a fraud alert on your credit file to protect it from further fraud.

Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name LEXISNEXIS Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Comments On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting Show less Account name LEXISNEXIS/XXXX XXXX Date of request ( s )XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Comments On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX XXXX XXXX Date of request ( s )XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX 1XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX Show less Account name XXXX Date of request ( s )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name LEXISNEXIS/XXXX/XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Comments On behalf of XXXX XXXX XXXX for Insurance underwriting Show less Account name XXXX XXXX Date of request ( s )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX

12/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • DE
  • 19702
Web
I've had complications with Lexis Nexis. I sent my original dispute on XX/XX/2019 at XXXX XXXX which reads : " Hi, Attached is the supporting documentation for the public record dispute and referenced consumer # XXXX. I was informed by Lexis Nexis that this public record was verified via US Bankruptcy Court. Per the disclosed letter received directly from US Bankruptcy Court, the Deputy Clerk advised the courts DO NOT verify information with credit bureaus. The information your reporting is inaccurate, Lexis Nexis was dishonest in stating it was verified by the courts - because it WAS NOT. And I am requesting that this inaccurate public record be DELETED IMMEDIATELY. Please see attachment. Thanks, XXXX XXXX Following my original dispute sent XX/XX/2019, I received an untimely letter from Lexis Nexis on XX/XX/2019 that states " After a reinvestigation of the data, Lexis Nexis updated the disposition date for Bankruptcy Case # XXXX listed on your LexisNexis RiskView Report .Please note that the Fair Reporting Act gives you the right to Request a description of the procedure used to determine the accuracy of dispute information, including the business name and address, and telephone number, of any furnisher of information contacted. Following that I called XX/XX/2019, requesting a description of re-investiagtion which was declined. I then sent a detailed 3 page letter on XX/XX/2019, requesting that Lexis Nexis disclose information regarding investigation and that evidence and detailed information of procedure and who and when information was obtained proving accuracy. On XX/XX/2019, Lexis Nexis responsed untimely AGAIN ( beyond 30 days ), sending the same generic response " After a reinvestigation of the data, Lexis Nexis updated the disposition date for Bankruptcy Case # XXXX listed on your LexisNexis RiskView Report .Clearly violating my FCRA rights, ignoring my request, responding untimely, and failing to garnish documents showing the alleged accuracy of this Public Record. On XX/XX/2019, I called Lexis Nexis and spoke with XXXX for 45 minutes. On that call, XXXX advised me that they obtained accuracy from the court house and I again asked that he disclose additional information regarding that investigation and any information obtained. He failed to do so. When asked if my request to a reinvestigation was received on XX/XX/2019 was received, XXXX confirmed it was. When asked if he received the letter received DIRECTLY from the courthouse that states they did not and do not verify bankruptcies, he confirmed yes it was received. I advised I received Lexis Nexis letter late and requested a deletion, I also advised they failed to my request of a description of procedure that was used to determine the accuracy as per my FCRA rights. I proceeded to request a deletion from failure to respond with requested information. XXXX, declined. This Public Record has affected me greatly and I have already taken the proper steps to contact Lexis Nexis regarding this inaccuracy for resolution. They have failed to respond with requested information and has responded untimely with every generic response .I am requesting that they provide a descriptive explanation of their investigation ( from the courts ) with requested information as listed below : * Please advise how your investigation was completed by providing evidence and answering all 10 questions below. 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified documents were reviewed to conclude your investigation? 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4.What did it cost your company to obtain the documents needed to complete your investigation? 5.Please provide proof of your timely procurement of certified documents. 6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7.If yes to above : a.Who did you speak to? b.On what date? c.How long was the conversation? d.What was their position? e.What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g.What is the position of the employee of your company that spoke directly to the above party? h.How long has that employee been employed by your company? i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party? 8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will ceased __ If they can not supply ALL of the above information in 15 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I am requesting immediate and permanent removal of this item from my credit report. Attached also : Letter fr om United Stated Bankruptcy Court that states they do not report to credit bureaus or agencies.
08/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OR
  • 97266
Web
In XX/XX/XXXX, I applied for a loan through my credit union. They ran a credit report through XXXX and told me they could n't continue with the loan process until I dealt with a delinquent Judgment in the amount of {$3300.00} that came up in my name from XX/XX/XXXX. As I 've never been to court, I found this to be odd. I contacted the small claims office at the XXXX County Court and asked about the Judgment. They said there was a Judgment against someone who shares my first and last name, but informed me that it had been paid in XX/XX/XXXX and provided me a record. I asked if they could verify that the Judgment was mine with a social security number or any other personal identification information. The clerk told me no - they did n't have that information, but I should contact the debt collecting agency assigned to the case number and they could verify if it was mine. I called the agency ( XXXX XXXX XXXX XXXX ) and provided them my name, city of residence, and social security number. They informed me that there was a file that shares my first and last name in XXXX, Oregon, but that the social security number did n't match - meaning it was n't mine. Knowing all this information, I began to inform my credit union and the credit bureau. I explained the situation and was able to clear it with my credit union. XXXX provided a printout to me stating they " obtain public records from local, state and federal courts through a third party vendor, LexisNexis '' and provided XXXX phone number to contact. I filed a dispute at XX/XX/XXXX through the XXXX website and again with the call center and provided them with the public record showing that the Judgment had been paid and attempted to speak with someone at LexisNexis through the number provided. They told me that the dispute process could take up to 30 days and to expect the results of the investigation by mail. I waited and received the results at XX/XX/XXXX. The packet sent, which was a credit report summary, contained 13 different errors - one of which was that the Judgment remained in my file ( now paid, but still there ). The cover letter said, " We have verified that our Judgment and Liens records are accurate based upon your dispute related to Filing Number XXXX, after contacting the XXXX Circuit Court-XXXX. '' Except that their records were not accurate, as the Judgment was n't delinquent and had been paid, yet there was no mention of any update on this. I know the court does n't have any information that would verify the Judgment is mine ( as I mentioned earlier ) and could not have verified this. The cover letter also provided an email address and phone number to call with any further questions. I called the call center on XX/XX/XXXX and filed a second dispute to include corrections on the other 12 errors, but was told I would have to wait for the dispute process to conclude ( possibly taking another 30 days ). I said that was unacceptable, as the initial dispute was not satisfied. Why should I need to dispute a dispute and why should I trust that the results would be any different - they 've already made this mistake TWICE and when I inquired why they were n't using any personal information to verify the Judgment, they call center had no answers. I asked to speak to a manager. I have spoken to XXXX within the last week ( XX/XX/XXXX - XX/XX/XXXX ). Each tell me there is no one they can communicate with outside of filing a dispute and they ca n't connect me to anyone involved in the investigative/dispute process despite the fact that their process is n't appropriately verifying the Judgment using any personal identifying information. I informed each of the managers that contacting the court is not an appropriate way to verify that the judgment is mine and to stop. I provided them with 2 different debt collecting agencies, who are each, after providing a social security number, able to verify that the Judgment is n't mine. The debt collecting agency name and contact are attached and easily viewable in the information corresponding to the judgment both on the court documents and summary provided by LexisNexis. The managers were unwilling to make the call themselves and could only add the instructions to my dispute case. I have sent 6 different emails to the only email provided explaining that the court does n't have the ability to verify the Judgment is mine and include instructions on how to appropriately verify the Judgment - none have been responded to. Neither manager was able to connect me to anyone in the email department. It has now been over 40 days since my initial dispute and I have had to spend numerous hours making numerous phone calls investigating this on my own and have had to instruct the credit bureau, LexisNexis, on how to correctly verify the Judgment only to be told there 's nothing they can do but let a reinvestigation of an investigation conclude. The only 2 numbers and email contact provided can not answer any of my questions or provide any meaningful assistance and can not provide any other means of contact. This is unacceptable. In the meantime I 've filed a complaint with the Better Business Bureau, filed a complaint with XXXX, who inform me that they have no record of a Judgment in my name and are unable to explain why LexisNexis does. Managers for LexisNexis have since stopped returning my calls.
06/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10034
Web
This is my second complaint against LexisNexis as the first complaint went unresolved. They responded in a fabricated letter with no verifiable evidence and a link to a website that is unresponsive. They sent me a 'report ' simply stating they verified a bankruptcy via an address where I have never had any affiliation ( XXXX XXXX XXXX ). They did not provide verifiable information with my signature or documentation from the U.S. Bankruptcy Court. I provided evidence proving LexisNexis did not respond within the 30 day timeframe, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). My letter dated XX/XX/XXXX ( via certified mail ) was received by LexisNexis on XX/XX/XXXX. I spoke to a representative named XXXX on XX/XX/XXXX and he told me the review was completed on XX/XX/XXXX and would be sent out to me. I received the letter 10 days later on XX/XX/XXXX via regular mail. I have since sent a letter to XXXX XXXX, the CEO of LexisNexis, Risk Solutions. U.S. Bankruptcy Courts do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers ( LexisNexis ) who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Considering the information indicating a Fair Credit Reporting Act violation, the bankruptcy information currently showing under my social security number NEEDS to be PERMANENTLY DELETED from my credit report immediately. LexisNexis needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file they maintain under my name and social security number. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account information. Furthermore, please note : Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. ( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule ; and ( 6 ) a filing that is subject to 110 of the Code. ( c ) Filings Made Under Seal. The court may order that a filing be made under seal without redaction. The court may later unseal the filing or order the entity that made the filing to file a redacted version for the public record. ( d ) Protective Orders. For cause, the court may by order in a case under the Code : ( 1 ) require redaction of additional information ; or ( 2 ) limit or prohibit a nonparty 's remote electronic access to a document filed with the court. ( e ) Option for Additional Unredacted Filing Under Seal. An entity making a redacted filing may also file an unredacted copy under seal. The court must retain the unredacted copy as part of the record. ( f ) Option for Filing a Reference List. A filing that contains redacted information may be filed together with a reference list that identifies each item of redacted information and specifies an appropriate identifier that uniquely corresponds to each item listed. The list must be filed under seal and may be amended as of right. Any reference in the case to a listed identifier will be construed to refer to the corresponding item of information. ( g ) Waiver of Protection of Identifiers. An entity waives the protection of subdivision ( a ) as to the entity 's own information by filing it without redaction and not under seal. ( Added XX/XX/XXXX, eff. XX/XX/XXXX. )
12/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29488
Web
This company has failed me and allowed breach of my personal information. I have explained on several occasions not only have I been a victim of identity theft but they have allowed others to obtain my personal information. I have sent certified letters backdating XX/XX/XXXX from the courts saying that the credit bureaus method of investigation has been retained from an unverifiable source which is illegal. XXXX actually removed this inaccurate information over two years ago. This company owes me for damages. In addition I have no account tied to any bankruptcy nor have I ever. The address associated with this case is an address also I never resided at. I plan to show the courts this as I have attempted on many occasions to get this public record which has damaged my reputation and cause substantial harm to my success. I also recieved a letter from the clerk of courts stating The XX/XX/XXXX agreement to remove public records as there is inaccurate and incomplete information for a public record. The United States Bankruptcy Court nor the Clerk of the Bankruptcy Court reports Bankruptcy filings or proceedings to the three credit reporting agencies. There is no debt associated with a Chapter XXXX bankruptcy, therefore, there is no debt to report. There is no legal, FRCA wording, law, or any other standard that states Bankruptcy is a mandatory report to the credit file, nor is there any standard that supports that a Bankruptcy filing should be placed on the credit report. The methods commonly reported by the credit bureau claiming verification of a bankruptcy, are in fact false, as those entities get their information from the credit bureaus. These include Lexis Nexis, XXXX, XXXX, PACER, et cetera. PACER is administered by the federal courts, Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information ; however, the Bankruptcy Court does not report to the three credit bureaus. Therefore, because verification of the account can not be determined, the credit reporting agencies are obligated by Recieved from Lexis Nexis In his complaint with your office, Mr. XXXX did not specify a specific public record case or filing number that he wished to dispute. However, LexisNexis searched our records using Mr. XXXX name, address, and date of birth as provided in his complaint and located one bankruptcy record case number XXXX associated with Mr. XXXX in our systems. In an effort to resolve Mr. XXXX concerns, LexisNexis initiated a dispute of bankruptcy record case number XXXX on Mr. XXXX behalf. After a reinvestigation, LexisNexis removed bankruptcy record case number XXXX from his consumer reports prepared by LexisNexis Risk Solutions Bureau XXXX. A resolution letter outlining the results of our reinvestigation as well as Mr. XXXX statutory rights was mailed separately to him directly for review. Please be aware that LexisNexis Risk XXXX XXXX XXXX XXXX ( LexisNexis XXXX XXXX ), a LexisNexis Company, sells public records to a variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX. LexisNexis XXXX XXXX role is limited to providing the consumer reporting Page 1 XXXX agencies data it retrieves from bankruptcy, judgments, and liens public records from primary sources in bulk. LexisNexis XXXX XXXX has no role in determining what public records relate to which consumer. The consumer reporting agency determines whether to include a particular public record in a specific consumers credit file, not LexisNexis XXXX XXXX. For more information on this interaction please visit : XXXX. Under the FCRA, Mr. XXXX has the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted ; - Add a statement to her file disputing the accuracy or completeness of information. The statement will remain on file and will be furnished to recipients of the file as long as the disputed information is still used ; and - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by her who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ). Thank you for allowing LexisNexis the opportunity to assist Mr. XXXX. If Mr. XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time. I am requesting a block and removal within four business days this serves a final notice
09/24/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 17055
Web
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Re : XXXX XXXX Account : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX Notice of Deficiency After carefully reviewing the notice in the amount of XXXX as of XX/XX/XXXX. The amount received from disposition of the vehicle was XXXX ; and the remaining is XXXX per your documentation. After credits of XXXX per gap insurance, the remaining the company stating, Im responsible for is XXXX. As a consumer, Im exercising my rights under the 1977 Fair Credit Report Act. I hereby, requesting the accuracy of reporting. 1. The bill of sale between XXXX XXXX and XXXX XXXX of XXXX. 2. How the amount was calculated expenses incurred in retaking a vehicle on a closed account? Documentation received 3. The amount generated of the amount of credit to my account. Included any payments received since date in item 1 above other credit to which is entitled, including rebates on a XXXX XXXX or credit service charges or ancillary products such as a Gap contract of XX/XX/XXXXRequesting Bill of sale and not payments on company letterhead 4. Do your company have a license to practice in Pennsylvania? if so, please provide the number. Requested number not included in documentation I was sold a vehicle with five major recalls According to XXXX. since XXXX vehicles XXXX vehicles XX/XX/XXXX, XXXX vehicles XXXX XXXX vehicles XXXX XXXX vehicles were at risk. Consequences : An inflator explosion may result in sharp metal fragments striking the driver or other occupants resulting in serious injury or death. During my point of sale none of above following recalls were expressed/nor XXXX made contact. Myself and my love ones were at risk. Under the FCRA your company has a total of 30 days to provide information requested or remove items published from all major credit bureaus. Nothing regarding recalls were included in package. Company continues to send same package of information from recent complaints. Understanding vehicle was repossessed by XXXX XXXX in the State of Pennsylvania on or about XX/XX/XXXX and resold on XX/XX/XXXX. Under the laws of Pennsylvania UCC 9-405 TAKEN FOR VALUE UCC 3-303 UCC 1-201, ( 25 ), ( 27 ), ( 35 ) NOTICE, LAWFUL U.S. FUNDS IN ACCORDANCE WITH PUBLIC POLICY, HJR-192 OF 6/15/1933, UCC 1-104, 10-104, 1-207 and PA RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given. The allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and prof of the commercially reasonable manner of the resale of the subject vehicle. I have previously demanded that your company validate the above-listed item. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). As you are aware, your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Your inaction makes it apparent that you have failed to use reasonable care regarding this matter and you have failed to use even minimal procedures to ensure that I was not harmed by your dissemination of information that is inaccurate or which can not be validated. Specifically, you have communicated and are continuing to communicate incorrect and defamatory information to third parties, including, but not limited to, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports (XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). In response you have only sent a computer-generated print-out of the total amount you claim is due, which may not be accurate. Furthermore, you have failed to provide an executed credit contract proving liability of this debtor on the amount claimed. If no such proof is provided within 14 days of receipt of this notice, the alleged claim of a deficiency considered null and void, and any continued collection of activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies This is unsatisfactory as proof that I owe the debt ( please see Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, USCA-02-C-0072, 7th Circuit Court, Sept 2004. ), and is hereby rejected as a validation of the debt. You have not complied with my right to have the debt validated
10/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43232
Web
I have attempted on numerous occasions, to have LexisNexis verify Bankruptcy information listed on my LexisNexis Consumer Risk Report and what methods used to verify the information. Most recently I mailed a letter through USPS Certified Mail with Tracking information to LexisNexis ( See Attached Letter titled : LexisNexis Bankruptcy Dispute XXXX ). This letter was in response to a letter I received from LexisNexis dated XX/XX/XXXX, stating the Bankruptcy Case # XXXX was received and/or reported from Public Access to Court Electronic Records ( PACER ). The letter also stated that my full social security number was reported by PACER and various sources including the nationwide consumer reporting agencies. This letter has the exact same language and as the letter, I received on XX/XX/XXXX ( See Attached Letter titled : LexisNexis CFPB Response XXXX ). The nationwide consumer credit reporting agencies, XXXX, XXXX, and XXXX state the information regarding the bankruptcy is obtained from LexisNexis. After multiple contacts to the XXXX, XXXX, and XXXX, the nationwide credit reporting agencies, All confirmed on numerous occasions the bankruptcy information provided to them whether sold or free is verified through LexisNexis. In addition to this, the nationwide credit reporting agencies, XXXX, XXXX, and XXXX along with PACER do not list the full social security number. See Bankruptcy Rule 9037.. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings ( See Attached Letter titled : LexisNexis Bankruptcy Dispute XXXX ). I have attached copies of the letters I have sent to and received from LexisNexis. I have also attached a copy of the letter I received from the XXXX XXXX XXXX, XXXX XXXX XXXX Ohio, XXXX, that states no information is reported to the Credit Reporting Agencies. This contradicts what LexisNexis is now saying in the letter I received dated XXXX XXXX : " We have verified that our Lawsuits, Civil Filings, Judgements and Lein Records are accurate based upon your Filing Number XXXX ( redacted ), after contacting XXXX XXXX - XXXX XXXX Please contact the court directly if they need to update their records. '' In the letter dated XX/XX/XXXX and XX/XX/XXXX, LexisNexis states " Please be advised that while the U.S. Bankruptcy Courts may not provide information directly to consumer reporting agencies, bankruptcies are a matter of public record and can be obtained from PACER, which is an electronic public access service that allows users to obtain case and docket information online from federal courts. They also state " Please be aware that LexisNexis Risk Data Retrieval Services LLC ( LexisNexis XXXX XXXX ), a LexisNexis Company, sells public records to a variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX. LexisNexis RetrievalServices role is limited to providing the consumer reporting agencies data it retrieves from bankruptcy, judgments, and liens public records from primary sources in bulk. LexisNexis Retrieval Services has no role in determining what public records relate to which consumer. The consumer reporting agency determines whether to include a particular public record in a specific consumers credit file, not LexisNexis Retrieval Services ''. As stated in previous disputes and complaints both with LexisNexis directly as well as with CFPB, XXXX, XXXX, and XXXX obtain bankruptcy information from LexisNexis who is telling them the bankruptcy information is accurate without properly verifying the information. LexisNexis has not verified the bankruptcy information because they are unable to. They were first saying they verified the bankruptcy information with PACER using my full social security number and an address that I have disputed with and has removed from XXXX, XXXX, and XXXX. I have also disputed this address with LexisNexis and they have not removed it. They are also saying they verified the bankruptcy information with the courts directly listing " OHIO XXXX '' as the court name which is also inaccurate. LexisNexis has not provided me any documentation to show how they verified the bankruptcy information. If the information was provided by and verified with the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I would like the written documentation they provided LexisNexis as verification. If this information can not be provided I demand the bankruptcy information be removed immediately and documentation mailed to me confirming/showing it was removed along with an updated mailed copy of my LexisNexis Consumer Risk Report. Based on the attached documentation, that shows LexisNexis is not being truthful, I demand the bankruptcy information be removed from my LexisNexis Consumer Risk Report as well as notices sent to XXXX, XXXX, and XXXX stating the Bankruptcy Information provided by LexisNexis should be removed as it can not be verified. I would also like a copy of the said notices mailed to me.
01/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34236
Web
Over the past two years my financial and personal life have been disrupted and my credit standing continues to be threatened by two financial institutions who are wrongfully withholding information from me in violation of the FCRA. In XXXX, a CD I had with XXXX XXXX matured. When I attempted to transfer the proceeds, my account was frozen on the grounds that I was deceased. For more than two months XXXX ignored proof to the contrary -- long established passwords, copy of drivers license, current utility bill, their own 1099s and monthly mailed records from many years -- and ignored as well my repeated requests to identify the " public record '' they claimed as the basis for their action. Finally, with the help of the CFPB, I was able to get my money and the case was closed. But XXXX very pointedly would not respond to my multiple requests for the name of the " public record '' that took them so long to discover " incorrect. I gave up asking and put the episode behind me.. ... XXXX XXXX of this year, when once again I was " deceased. This time it was a payout from an insurance company that was held up. However, this firm investigated and told me their source for the falsehood : LexisNexis Risk Solutions. LexisNexis Risk Solutions advertises its ability to supply information on individual consumers to clients in the financial field but their 60+ page file about me turned out to be a grossly negligent compilation that, for the most part had nothing to do with me. It mixed my records with those of another person with whom I share nothing other than a first and last name, irresponsibly failing to match middle names or initials, birth dates, social security numbers, addresses, telephone numbers. Additionally they pronounced me deceased while ignoring the discrepancies between the alleged date of my death ( XXXX! ) and ongoing activities such as voting and drivers license renewals from before and after XXXX. I called this mixture to their attention XX/XX/XXXX and finally, in XXXX, my file was updated to identify me without the deceased designation. At the same time, despite saying many times that they would comply with FCRA rules to provide me with the all-important full and complete details of the required reinvestigation, LexisNexis Risk Solutions has still not told me ( 1 ) where and when they got their destructive misinformation about my " death '', ( 2 ) how they verified it and ( 3 ) to whom they distributed it. Moreover, although I have repeatedly pointed out that they have mixed and merged someone else 's files with mine, they have yet to delete the multiple records that have nothing to do with me. And instead of answers to my questions, the first week in XXXX I received a further surprise : I remain " deceased '' in the records of an affiliate of theirs named Accurint. How this will affect me I have no idea as yet. LN 's accompanying letter ( dated XXXX XXXX, received XXXX XXXX ) was equally curious. It seems designed to smudge the line between their various companies responsibilities to leave the impression that LexisNexis Risk Solutions, like Accurint, is not required to do ANYTHING. ( See attached. ). That strikes me as nothing short of incredible. Without full and complete details from these institutions I have no way to stop such financially and physically injurious situations from happening again and again. Nor do I have any way to know if there has been damage in the past that I havent yet learned of. I am also disturbed that, as I am in my XXXX, when I do die this will complicate the settlement of whatever financial accounts I leave behind. So far Ive lost approximately {$270.00} ( interest lost in the XXXX fiasco ) and forced to waste an immense amount of my time on repetitive and questionable forms, messages and telephone calls. Altogether it has been a hugely stressful period, at times paralyzing just trying to understand what was happening. See a lawyer is useless advice : Im too rich for free legal aid and too poor to hire an attorney. Since learning about the existence of LexisNexis Risk Solutions I am wholly convinced that XXXX never saw ANY public record, instead PAID a very non- public source for a report, read nothing beyond the deceased designation on its first page and acted both wrongly and precipitously. XXXX of course absolves itself of any use a recipient makes of reports it furnishes. Be that as it may be, the bottom line is that there is still no end in sight for me or multitudes of other consumers sure to wind up in the same sinkhole as, like it or not, our lives become totally digital dependent. Once garbage gets in, it wont get out as long as institutions have little incentive to fully and openly respond to consumers. They correctly calculate that, for them, there is little risk in stonewalling and ignoring us. Until there is meaningful enforcement action by the Consumer Financial Protection Bureau, there is no consumer protection.
04/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 46703
Web Older American
In attempt to send more information, this is what I get : from 'em XXXX = ME : Well, what else do you need. You REFUSE to correct and remove the information related to my Father 's name as MINE. You deny me access online to access my information. You gave me a phone number, hrs :?? - XXXX XXXX. I call at XXXX XXXX when I got the number. Leave a message, Called when open = leave a message? I've sent letters = IGNORED. I asked via phone, once again in XX/XX/XXXX - XXXX - XXXX, for proof of corrections to my information you've ( NOT ) fixed after HOW MANY MONTHS IN A ROW? All the while claiming to fix all??? I was told I have to pay to get this proof? I had to piss away {$25.00} to prove information related to me reported by you to be mine. You Refuse to pay for what I spent. I had to spend another {$50.00} to protect ourselves from IRS due to showing we had Capital Gains. I am Billing this to you also. Lying to CFPB stating all is better now?? So scofflaw IMHO! RSVP From : " LexisNexis Consumer Support '' To : XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX Subject : Hi XXXX XXXX XXXX When will you quit? [ Incident : XXXX ] Image Your question has been received. We are currently reviewing your communication. To update your question with additional information, click here Subject Hi XXXX XXXX XXXX When will you quit? Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : Unresolved Results from website search & ... .... Request your username If the email address you enter is in our system, we'll send you your username. If you don't have a username, we'll send you a link to set up an account instead. Email Address XXXX Reset your password We'll email you a link to a page where you can create a new password. Response to using data sent to ME : Request your username If the email address you enter is in our system, we'll send you your username. If you don't have a username, we'll send you a link to set up an account instead. Email Address XXXX Reset your password We'll email you a link to a page where you can create a new password. Request and response ; Request your username If the email address you enter is in our system, we'll send you your username. If you don't have a username, we'll send you a link to set up an account instead. Email Address XXXX Request your username If the email address you enter is in our system, we'll send you your username. If you don't have a username, we'll send you a link to set up an account instead. Email Address XXXX Error A username is required. Username Error A username is required. Username From : " XXXX XXXX XXXX '' To : " LexisNexis Consumer Support '' Sent : Tuesday, XX/XX/XXXX XXXX XXXX Subject : Re : Hi XXXX XXXX XXXX When will you quit? [ Incident : XXXX ] " Was us los? Request your username If the email address you enter is in our system, we'll send you your username. If you don't have a username, we'll send you a link to set up an account instead. Email Address Reset your password We'll email you a link to a page where you can create a new password. Error A username is required. Username How are you NOT blocking me?? RSVP From : " XXXX XXXX XXXX '' To : " LexisNexis Consumer Support '' Sent : Tuesday, XX/XX/XXXX XXXX XXXX Subject : Re : Hi XXXX XXXX XXXX When will you quit? [ Incident : XXXX ] How now brown cow?? Well, what else do you need. You REFUSE to correct and remove the information related to my Father 's name as MINE. You deny me access online to access my information. You gave me a phone number, hrs :?? - XXXX XXXX. I call at XXXX XXXX when I got the number. I've sent letters = IGNORED. I asked once again in XX/XX/XXXX - XXXX - XXXX for proof of corrections to my information you've ( NOT ) fixed after HOW MANY MONTHS IN A ROW? All the while claiming to fix all??? I was told I have to pay YOU to get this proof? I had to piss away {$25.00} to prove information related to me rreported by you to be mine. You Refuse to pay what I spent. I had to spend another XXXX to protect ourselves from IRS due to showing we had Capital Gains. I am Billing this to you also. Lying to CFPB stating all is better now?? SVP From : " LexisNexis Consumer Support '' To : XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX Subject : Hi XXXX XXXX XXXX When will you quit? [ Incident : XXXX ] Image Your question has been received. We are currently reviewing your communication. To update your question with additional information, click here Subject Hi XXXX XXXX XXXX When will you quit? Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : Unresolved [ -- XXXX -- - ] somehow rhe prt where I am not recognized while attempting to re-set my password did not copy every time. I so do have an account, my password FAILED! This is why a reset was require ..
06/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NV
  • 89107
Web Servicemember
LexisNexis is refusing to provide myself and my wife with our consumer reports so that we can dispute inaccuracies. Identity has been verified multiple times, multiple ways, and they still refuse to agree to send us our reports. They have been contacted regarding this matter multiple times, and a non-resolved complaint was filed through theXX/XX/XXXX in an attempt to mediate prior to escalation. Not only is it absolutely ludicrous that the major data furnisher to the three consumer reporting agencies is stuck in the 1980 's where technology is concerned ; refusing to authenticate identity through all valid and reliable means online to provide online reports like every other company on planet earth, but they are being unduly clandestine in their reasons for their behavior and their refusal to acknowledge I have already verified my identity multiple times/multiple ways. I find it a complete violation of my consumer rights, as well as all manner of logical behavior, that they not only will not furnish a consumer report instantly online, but this makes my ... 5th ... attempt to get my consumer report from LexisNexis in any form. I want this complaint to serve as documentation of my efforts that are indisputable proof I verified my identity beyond all reasonable measures, but also a warning of intent to sue. I have XXXX, this process has caused me extreme emotional duress, the information that I believe to be false in my consumer report that keeps cycling back onto the three major bureaus for me to dispute is causing me financial and psychological hardship. As is the increasingly condescending and authoritarian tone of the communication received from LexisNexis data entry clerks. I'm a XXXX XXXX XXXX, college educated, retired XXXX XXXX. Do not talk to me, LexisNexis data entry clerks, like I am a child you think you can intimidate into being a voiceless clog in a wheel that takes abuse laying down. I served my country honorably active duty for XX/XX/XXXXyears, I have screenshotted every attempt to get my report, I have tracked all communication carefully ( as has my wife and we are in the process of forming an online group of consumers who have suffered the same indignities with the intent of pursuing a class-action ). LN does not want to go against me in a court of law without a leg to stand on of why they are withholding... my... personal data from me. It is not their data to withhold. It is... my... personal data and I have a legal and ethical right to obtain it without further abuse of my time or my rights. They also have no argument or excuse for their refusal to provide consumer reports instantly online to the consumers they are about, when they are all too happy to provide that same information to any business entity that wants it. How is that any less secure than individuals answering security questions, uploading IDs, and validating their very own information? The answer is... it isn't. I also found out from a consumer that finally obtained their report after a great deal of hassle that they ultimately do NOT mail consumer reports but instead mail access information in order to finally obtain your consumer report online. So, why the lengthy and pitifully inadequate process of mailing information multiple times back and forth waiting weeks to months to receive what is ultimately your consumer report online? My last word of advice for LexisNexis employees is that if they want to be bullies and try talking down to consumers, they might want to give their own writing the old 'college try ' and check for typos and misinformation. It really takes the bite out of their bark to have to sit there and read them giving a lecture about their right to have 'minor inconsistencies ' in reports which actually is not true at all ; and then you have to sit there and look at their mistakes in their writing when you're being disrespected. They also added the extra layer of disrespect to close my complaint and notate it as 'solved ' when it is closer to a court room than it is a solution. This matter has cost me hours of my time and exceptional duress. Identity documentation included : A current driver 's license showing date of birth and current address ; front AND back A current military identification card ; front AND back A social security card A utility bill showing current address A phone bill verifying both phone number and current residential address Credit card statement showing current address Residential lease agreement showing current address Old passport Copy of one of the many letters from LexisNexis received to my mailing address refusing, in a very vague manner not clearly stating what the issue is or how to resolve it, to comply with my request for my consumer report.
11/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80224
Web
All this below is an FCRA law violation. XXXX XXXX XXXX {$7000.00} - Primary XXXX XXXX Her old phone number I have : XXXX ( she did not pay the rent ) - Ex-girlfriend. Account opened : XX/XX/XXXX. XXXX XXXX XXXX {$6300.00} - Placed me as authorized user XXXX XXXX XXXX Ive never received the physical card in my hand, I have never ever given her my social security number either. Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX {$26000.00} - Primary account owner is XXXX XXXX, she did not pay off her account. I dont have more information. XXXX phone number : XXXX Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX | XXXX {$3600.00} Account opened : XX/XX/XXXX Never got card in my hand to me, never gave her my social security, ex girlfriend opened card her name is XXXX XXXX XXXX. Phone:XXXX. Email : XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX DOB:XX/XX/XXXX. XXXX XXXX XXXX {$22000.00} - XXXX XXXX XXXX he is in jail right now, he said he will pay cash to me, he kept XXXX XXXX ( I have more documents Ive attached of my conversation with his legal wife XXXX, Ive also attached my FTC document and my own screenshotted text message in a document that is written in XXXX but, I've also translated to English about XXXX and XXXX in a second document as well, please review everything. ) Account opened : XX/XX/XXXX. XXXX XXXX {$25000.00} - tied to line of business credit with XXXX XXXX, now legal name XXXX XXXX, she agreed in person and in phone call she was going to pay the account, we shut down the business. ( I have tried to hire attorney, the attorney needs her current address otherwise they needed to hire an investigator so he can find the address and serve her. Ex wife told my sons not to give out current address. ) Dont have her current address. XXXX phone number : XXXX DOB:XX/XX/XXXX email : XXXX Account opened : XX/XX/XXXX. ATTORNEY GENERAL-XXXX | XXXX {$82000.00} - Name XXXX XXXX : Ex wife, we had an agreement with ( now legal name is XXXX XXXX ) The agreement was if I leave the house, she will have 100 % child custody and keep the house that was worth {$480000.00} ( house address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) still owed {$120000.00}. She had a lot of equity from her parents trust fund, she kept all the equity for herself. Phone call agreement she will keep the house for the kids, I left then was traveling back to the XXXX at the time. She agreed to me she will not file child custody. She still decided to put child support on me. We was in a agreement about her parents trust fund, we agreed that I will never dip into her parents trust fund legally if she will pay off all the debt on her end as we are legally tied at that time, she agreed and promised no child support if I gave full custody and do not get any percentage of her parents trust fund. She has a trust fund worth XXXX XXXX USD Note : ( {$8.00} XXXX revenue in my previous projects closed out in XXXX XXXX TX. That is why the child support is this high, she knew how to get more money out of me. ) XXXX XXXX XXXX XXXX | XXXX XXXX XXXX {$3100.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX {$270.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX | XXXX XXXX XXXX XXXX {$100.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX {$1400.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX | XXXX XXXX XXXX {$160.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX {$14000.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX.-MT | Date of Inquiry : XX/XX/XXXX XXXX/XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
11/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80224
Web
All this below is an FCRA law violation. XXXX XXXX XXXX {$7000.00} - Primary XXXX XXXX Her old phone number I have : XXXX ( she did not pay the rent ) - Ex-girlfriend. Account opened : XX/XX/XXXX. XXXX XXXX XXXX {$6300.00} - Placed me as authorized user XXXX XXXX XXXX Ive never received the physical card in my hand, I have never ever given her my social security number either. Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX {$26000.00} - Primary account owner is XXXX XXXX, she did not pay off her account. I dont have more information. XXXX phone number : XXXX Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX | XXXX {$3600.00} Account opened : XX/XX/XXXX Never got card in my hand to me, never gave her my social security, ex girlfriend opened card her name is XXXX XXXX XXXX. XXXX. Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX DOB:XX/XX/XXXX. XXXX XXXX XXXX {$22000.00} - XXXX XXXX XXXX he is in XXXX right now, he said he will pay cash to me, he kept XXXX XXXX. ( I have more documents Ive attached of my conversation with his legal wife XXXX, Ive also attached my FTC document and my own screenshotted text message in a document that is written in XXXX but, I've also translated to English about XXXX and XXXX in a second document as well, please review everything. ) Account opened : XX/XX/XXXX. XXXX XXXX {$25000.00} - tied to line of XXXX credit with XXXX XXXX, now legal name XXXX XXXX, she agreed in person and in phone call she was going to pay the account, we shut down the XXXX. ( I have tried to hire attorney, the attorney needs her current address otherwise they needed to hire an investigator so he can find the address and serve her. Ex wife told my sons not to give out current address. ) Dont have her current address. XXXX phone number : XXXX XXXX email : XXXX Account opened : XX/XX/XXXX. ATTORNEY GENERAL-CHI | XXXX {$82000.00} - Name XXXX XXXX : Ex wife, we had an agreement with ( now legal name is XXXX XXXX ) The agreement was if I leave the house, she will have 100 % child custody and keep the house that was worth {$480000.00} ( house address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) still owed {$120000.00}. She had a lot of equity from her parents trust fund, she kept all the equity for herself. Phone call agreement she will keep the house for the kids, I left then was traveling back to the XXXX at the time. She agreed to me she will not file child custody. She still decided to put child support on me. We was in a agreement about her parents trust fund, we agreed that I will never dip into her parents trust fund legally if she will pay off all the debt on her end as we are legally tied at that time, she agreed and promised no child support if I gave full custody and do not get any percentage of her parents trust fund. She has a trust fund worth XXXX XXXX USD Note : ( {$8.00} XXXX revenue in my previous projects closed out in XXXX XXXX TX. That is why the child support is this high, she knew how to get more money out of me. ) XXXX XXXX XXXX XXXX | XXXX XXXX XXXX {$3100.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX {$270.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX | XXXX XXXX XXXX XXXX {$100.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX {$1400.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX | XXXX XXXX XXXX {$160.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX {$14000.00} ( Dont know who opened account under my social security or name, it could be anyone above ) Account opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX.-MT | Date of Inquiry : XX/XX/XXXX XXXX/XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
11/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 71438
Web
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report underage with XXXX XXXX - ( ACCOUNTS NEVER LATE ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to XXXX Data Breach. The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties. XX/XX/XXXX - And as the FTC 's multi-million dollar settlement with XXXX XXXX XXXX ... federal, and local government, have violated my civil rights as well as the ... FTC Action Halts Operation That Billed More Than {$25.00} XXXX ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - ... to debit hundreds of thousands of consumers ' bank accounts and bill ... and hired a company with call centers in the U.S., the XXXX, and XXXX ... is being violated and it appears to the Commission that a proceeding is in ... Volume 90 : Pages 608-668 - Federal Trade Commissionwww.ftc.gov default files documents volume-90 PDF between Perpetual and American Security or between Perpetual and. XXXX XXXX would constitute a violation of the antitrust laws. PAR. 15. ( a ) The boards of ... XXXX XXXX to Pay {$23.00} XXXX and Cease Operations to ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - Under a proposed consent order, XXXX 's XXXX XXXX XXXX ... all of its U.S.-based assets, to settle Federal Trade Commission charges that it ... participating in deceptive acts or practices in violation of the FTC Act, ... FTC to law violators : Don't bank on bankruptcy | Federal Trade ... www.ftc.gov blogs business-blog XXXX ftc-la ... XX/XX/XXXX - He and his family then chose to work with the sources of our antitrust groups who were restraining us through unfair trade practices to assure the ... Complaint for injunctive and Other Equitable Relief - Federal ... www.ftc.gov files documents cases XXXX PDF the bank accounts of consumers for fraudulent and unauthorized charges, in violation of the Federal Trade Commission Act, 15. U.S.C. Section 45 ( a ). ... as fraud or unauthorized and implied that XXXX XXXX XXXX 's customers were therefore ... Online Lending Company Agrees to Settle FTC Charges It ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - ... to consent to automatic payments from their bank accounts. ... The Commission has also charged the online lending company with the following law violations : ... The settlement order was filed with U.S. District Court for the ... FTC Returns Nearly {$100.00} XXXX to XXXX Homeowners ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The FTC 's XX/XX/XXXX settlement order required XXXX, which is now owned by XXXX XXXX XXXX, to pay {$100.00} XXXX to be used for ... Proceed with Caution : Expanded Role for the FTC on the ... XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Although banks are not subject to the FTC 's consumer protection ... and a penalty of {$520.00} XXXX against a bank, for violations of the Bank Secrecy Act, ... The FTC also has been actively enforcing the XXXX-US Privacy Shield ... Searches related to XXXX XXXX XXXX ftc violations ftc XXXX XXXX XXXX, sanctuary bay promoters jailed Page Navigation The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. ... The law is intended to protect consumers from misinformation being used against them. XX/XX/XXXX - Latest News XXXX will pay at least {$800.00} XXXX and potentially ... from the breach, which costs the consumer tens of thousands of dollars?
10/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95688
Web
I have made disputes to XXXX via mail and their on-line dispute process and also on XX/XX/2018 via CFPB and on XX/XX/2018 via CFPB as part of a dispute against XXXX XXXX. My dispute is that the public record bankruptcy information on my XXXX Credit report was not accurately/officially verified through the bankruptcy court so should not be on my XXXX credit report. How do I know it was not accurately/officially verified is that I received documentation from the bankruptcy court that they do not report to or verify information with the credit reporting agencies. I have submitted this documentation to XXXX on all the disputes made but they do not acknowledge the bankruptcy court documentation at all and report that they have contacted their public record vendor who verifies the information as accurate. XXXX has not disclosed who the public record vendor is or provided any information on how the vendor verified the information or when. This is what they indicated in the last response to my CFPB complaint. " At your request to begin a reinvestigation, we contacted the public record vendor as needed to verify the accuracy of the information with which I disagree, The public record vendor has verified the accuracy of the disputed information ''. This is not an acceptable response as again they did not disclose who the vendor is or how the information was verified or when. Them indicating the information was accurately verified is in direct conflict with what the bankruptcy court documentation indicates. I had to guess that the vendor they use is XXXX XXXX per XXXX not disclosing who the vendor is they use. I filed a complaint against XXXX XXXX via CFPB disputing the accuracy of the information that they provide and to indicate how and when the information has been verified seeing that the bankruptcy court says they do not report or verify such information with the credit reporting agencies. The documentation from the bankruptcy court was included in the complaint and XXXX was made a part of that complaint. We have yet to hear from XXXX XXXX but XXXX continues to say the information has been verified as the final results of the XX/XX/2018 CFPB complaint in which they are included with Lexis Nexis. The following is my feedback response to CFPB related to XXXX XXXX response to the XX/XX/2018 complaint : I had already made several complaints to XXXX via mail, their online process and CFPB. This complaint was primary directed toward Lexis Nexis their third party vendor but it was pertinent that XXXX be included in the complaint. It is almost funny how XXXX gives the long scripted responses but it is really not funny because my credit life is being impacted. XXXX really has not directly dealt with the complaint. Yes, XXXX did recently send me an investigation response that they did their investigation and did verify that the bankruptcy information on my credit report they got form the third party vendor is accurate.. XXXX however does not say who the third party vendor is or how the third party vendor verified the information. I have actually had to guess who the third party vendor is, Lexis Nexis,. XXXX XXXX response reports that the vendor is suppose to investigate per their request for them to do so then they get the results. Well those results should be shared with me other than indicating it was verified and not sharing any details. That is a hugh injustice to me as it seems as if XXXX is just taking Lexis Nexis word for it and not really getting verification proof and if they are getting the proof XXXX is not disclosing the specifics of the proof but just saying that it is verified. CFPB please advocate for me to have XXXX rightfully reveal the specifics of investigation results from the third party vendor other than just saying verified. However since this complaint was primarily directed toward Lexis Nexis, we will see what they provide to prove that they did infact verify the information with the bankruptcy court because if not the information is not officially valid and should not be on my report. Also I want to say and do not see how XXXX can continue to overlook the fact that I have provided written documentation from the bankruptcy court that they do not report to or verify bankruptcy information with the credit reporting agencies. That should be enough for XXXX to remove the bankruptcy information from my credit report as it is not officially valid because the court does not verify it, therefore the information they are getting from Lexis Nexis is not valid and if Lexis Nexis says it is than we have a problem because the US Bankruptcy Court indicates otherwise.
05/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85208
Web
I learned I was part of not one but two major breaches from XXXX, where my personal identity, all personal information was sold including my SS #, name, middle name, married name and maiden name as well as email addresses, cell phone, address and parents address among other relatives of mine. In addition, I have court orders from XXXX County Prosecutors aka XXXX/XXXX attached to the account reporting on credit report Ive disputed dozens of times online/by mail and phone which state Records destroyed. This letter came from a Federal office, furthermore, it is attached to minors and the case was dismissed, closed and discharged because it was false. I was falsely accused and it was a sham/fraud. The case was also sealed because it was fraud attached to approx a dozen individuals or more, 3 of them minors. LexisNexis does not even have this account in or any XXXX child support accounts or public records of this nature in my full disclosure report. Yet the credit bureau insist on going against a sealed records when their own letter of findings state they verified the findings through " LexisNexis '' who doesn't have the account in their file for my person. I have confidential restraining and harassment orders I paid thousands of dollars for legal counsel to obtain to solidify in XXXX County Courthouse that are for life restricting use of my private information or use of my credit. I further more have FTC filings, police reports with police officer name attached, date filed, notarized fraud affidavits, financial investigations department in XXXX AZ, Attorney General filing of violations of the credit bureaus distributing false inaccurate personal information and XXXX breach that ignited this problem, I have locked credit w/Experian and dark web surveillance on which caught the breach, security and fraud alerts now in place as of XX/XX/XXXX since I learned of all this with XXXX. I have recorded conversations and written documentation backing everything up. I am appreciative XXXX has finally removed much of the false inaccurate information and accounts and inquiries. they are still in violation and have 1 false account published on credit report which is this closed sealed records destroyed file XXXX case attached to a false case along with a 2 accounts in good standing they have refused to update when the other credit bureaus have updated and the banks sent me the updates personally. XXXX continues to violate the XXXX XXXX reporting by not removing the XXXX account XXXX. It is not verified, It was not even disputed despite the written responses I am sent with my copies of my credit report. LexisNexis DOES NOT have any court records of XXXX or public records of a XXXX case of any kind in my full disclosure report that I have a full copy of dated last month and supposedly this a case that has been established since XX/XX/XXXX. XXXX continues to report an illegal name, LexisNexis was told to suppress/block my file yet the credit bureaus continue to respond stating they verified my information with LexisNexis. LexisNexis has refused to remove all names associated with the banned print or use and requested removal of XXXX XXXX and all variations of this name as it's got a lifetime confidential restraining order in place due to harassment and identity theft/fraud. LexisNexis has not removed the massive erroneous addresses associated with my file or the false verified XXXX XXXX with an address I've never had. LexisNexis has not removed a false tax warrant for {$200.00} which was a speeding ticket and incorrectly listed on my file that the courts took hours to locate and I've sent LexisNexis the paid receipt the clerks finally located after searching in 3 departments. LexisNexis needs to remove from my file as the name XXXX is also banned from use doe to severe identity theft. LexisNexis does not even have updated marriage to XXXX XXXX XXXX when the marriage is public record is XXXX County NV LexisNexis does not have I am licensed real estate broker in WA state since XX/XX/XXXX LexisNexis does not have I hold level 1 FBI clearance Arizona state. They have dozens and dozens of mismatched names, addresses, data and mis-sourced information they have been distributing about my person to various entities such as creditors, banks, insurance companies, employers, Post Office and Department of Licensing and other influential organizations needed who determine my credit worthiness, status as a broker, rates for insurance or credit cards. I ask they be held responsible to update my records accordingly as I have sent them all pertinent information, signed and notarized.
08/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • SC
  • 29073
Web Servicemember
I have tried to resolve this matter with LexisNexis for several months by utilizing the dispute method and guidelines established within 15 U.S.C. section 1681, the Fair Credit Reporting Act ( FCRA ). Obviously, my request, rights and guidelines established under the FCRA continue to be ignored and violated by LexisNexis. Ive submitted several disputes to LexisNexis regarding eleven ( 11 ) accounts/items found within my LexisNexis credit report and requested LexisNexis to produce verifiable proof and the method of verification utilized to verify such negative remarks. This process started on XX/XX/2019 upon the delivery of the first certified letter by the USPS. Several months and letters later, I have not received any of the information requested or the results of their investigation. Moreover, LexisNexis continue to utilize stalling techniques to avoid complying with FCRA guidelines and circumvent the completion of their required investigation in accordance with section 611 of the FCRA. Furthermore, LexisNexis continues trying to place the burden of their required reasonable investigation on other Consumer Reporting Agencies ( CRAs ). As evidenced by the enclosed LexisNexis letters dated XX/XX/XXXX and XX/XX/2019, LexisNexis established their dependency on fellow CRAs ( XXXX, LexisNexis and XXXX ) to provide them with information on disputed items I did not authorize LexisNexis to dispute with such CRAs. To my knowledge, LexisNexis is an independent CRA who engages in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. Their separation and independence from any other CRA makes LexisNexis a binding CRA under the FCRA. Therefore, they must follow and obey the guidelines established within the FCRA. Recently I received a letter from LexisNexis dated XX/XX/2019 in which they stated of having to initiate disputes on my behalf with LexisNexis. This letter is a carbon copy of one of their previous response letter dated XX/XX/2019 ( see attached ). Moreover, within my first dispute letter dated XX/XX/2019, I provided LexisNexis with a copy of my drivers license, a copy of my social security card, and a copy my LexisNexis credit report highlighting the items being disputed. Despite proper identification and authentication of my personal information, LexisNexis continues to utilize stalling tactics and techniques while stating they are unable to process my request, as they were unable to authenticate me with the information I provided. This blatant shameful stalling technique is evidenced by the enclosed LexisNexis letter dated XX/XX/2019. The disputed items have been addressed to LexisNexis on multiple occasions as evidenced by the several enclosed XXXX certified mail receipts. However, LexisNexis has FAILED miserably to fulfill such request, therefore evidencing a FAILED fulfillment of a reasonable investigation or FCRA requirements pursuant section 607 ( b ). If the disputed accounts can not be verified by LexisNexis, more less validated, such accounts much be promptly deleted from my credit report pursuant section 611 ( a ) ( 5 ) ( A ). Pursuant section 611 ( a ) ( 6 ) ( B ), I have requested LexisNexis to validate the disputed accounts/items on at least seven ( 7 ) occasions through USPS certified mail letters ( see enclosed ). The FCRA, section 611 ( a ) ( 7 ) requires for LexisNexis to provide such validation/information not later than 15 days after receiving a request from the consumer for that description. However, since my fist dispute letter dated XX/XX/2019, the requested information has not been provided by LexisNexis, clearly violating section 611 ( a ) ( 6 ) ( B ), section 611 ( a ) ( 7 ) and LexisNexis roles, duties and responsibilities as a CRA under the FCRA guidelines. Furthermore, LexisNexis continues to ignore my consumer requests in accordance with the FCRA and negligently and willfully do not pursue its own required independent investigation. Therefore, due to the obvious and continued violations to my consumer rights under the FCRA, the disputed items MUST be DELETED IMMEDIATELY from my LexisNexis credit report in accordance with section 611 ( a ) ( 5 ) ( A ). In conclusion, if LexisNexis is unable to conduct an independent investigation to verify the disputed accounts and ensure the validity of the debt, the honesty/integrity of the creditor in question, and provide a copy of the information requested for each account, the disputed accounts MUST be DELETED IMMEDIATELY from my LexisNexis credit report and file.
07/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20017
Web
LEXISNEXIS continues to violate my rights. I have submitted numerous letters and they refuse to abide by the LAW. Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ). Comment : These provisions are solely penal and create no private right of action. When any consumer files bankruptcy, the documents are under FEDERAL LAW not state law. A bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, buying, giving, or furnishing to others. The entity that reported the bankruptcy to LEXISNEXIS did not have written consent from the court or the individual to take the bankruptcy out of public records and use it for a different purpose. Whoever reported my bankruptcy committed a crime of identity theft. This is a notice to inform you that the bankruptcy on y credit profile is a violation of the Privacy Act of 1974. The purpose of the Privacy Act is to balance the governments need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies collection, maintenance, use, and disclosure of personal information about them. The Privacy Act focuses on four basic policy objectives : -To restrict disclosure of personally identifiable records maintained by agencies -To grant individuals increased rights of access to agency records maintained on them -To grant individuals the right to seek amendment of agency records maintained on them upon showing that the records are not accurate, relevant, timely, or complete -To establish a code of fair information practices which requires agencies to comply with statutory norms for collection, maintenance, and dissemination of records Privacy Act The Privacy Act of 1974 is a federal law that is set forth in Title 5, Section 552a, of the United States Code ( 5 U.S.C.552a ), as amended. Privacy Act The purpose of the Privacy Act is to balance the Governments need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy resulting from the collection, maintenance, use, and disclosure of personal information. In general, the Privacy Act focuses on four basic policy objectives : - To restrict disclosure of personally identifiable records maintained by agencies - To grant individuals increased rights of access to agency records maintained on them - To grant individuals the right to seek amendment of agency records maintained on them upon showing that the records are not accurate, relevant, timely, or complete - To establish a code of fair information practices which requires agencies to comply with statutory norms for collection, maintenance, and dissemination of records The Privacy Act applies only to U.S. citizens and aliens who are lawfully admitted for permanent residence in the United States. It applies only to personal information maintained by agencies in the Executive Branch of the Federal Government. System of Records Notices The Privacy Act pertains only to information that is maintained in a system of records, which the Act defines as a group of agency-controlled records from which information is retrieved by a unique identifier, such as an individuals name, date of birth, social security number, or employee identification number. The Privacy Act further defines a record as any individually identifiable set of information that an agency might maintain about a person. Such records may include a wide variety of personal information including, but not limited to, information about education, financial transactions, medical history, criminal history, or employment history. However, the Privacy Act explicitly states that agencies may not maintain information about how individuals exercise their First Amendment rights, unless maintenance of that information is specifically authorized by statute, by the individual about whom the record is maintained, or relates to a law enforcement activity.
05/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30291
Web Servicemember
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NE
  • 68502
Web
My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. This is my second and final request for LexisNexis to investigate and remove derogatory accounts/items from my consumer report. This complaint is in response to the consumer report you mailed to me on XX/XX/2021 that showed no changes to my consumer report nor did you provide any of the documentation I requested. I have attached a copy of the original letter that I sent as well. I am urging you to comply with the following Federal Credit Reporting Act regulations/violations that you have committed : FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Violations 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable investigation into disputed information 611 ( a ) ( 7 ) Failure to provide the method of verification and description of reinvestigation procedure as required in ( 6 ) ( B ) ( iii ) 611 ( a ) ( 5 ) ( A ) ( i ) Failure to delete unverified information The unverified accounts are listed below : XXXX XXXX XXXX ( ACCT. NO : XXXX ) XXXX ( ACCT. NO : XXXX ) XXXX ( ACCT. NO : XXXX ) XXXX XXXX XXXX ACCT. NO : XXXX ) As of XXXX, XXXX XXXX, LEXISNEXIS has never provided me with documented proof of a thorough investigation conducted into the items in question that are listed on my credit report ; nor have they provided me with verifiable proof of any documentation bearing my signature that I have requested multiple times. Such willful negligence is a direct violation of : FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Violation 609 ( a ) ( 1 ) ( A ) Failure to clearly and accurately disclose to the consumer proof of original contract verifying account in consumer 's name I have only, to this day, received transcripts of communication between LEXISNEXIS and the creditors listed through their E-OSCAR system, using ACDV forms ( a common practice with consumer data agencies ), which automatically yields the disputed accounts as verified. If I am remiss, I immediately demand the following : Transcripts of human communication between LEXISNEXIS and each creditor listed, in which they can provide proof that the actual dispute letters were sent to the creditors, ( and not automatically ran through their E-OSCAR system generating a pre-populated code onto an ACDV form and read to the creditor ) ; yet a common practice with CRAs. Communication responses from the creditor each time an actual dispute letter was sent to them and their actual written and documented response, which XXXX should have in their record The documentation that LEXISNEXIS should have on file in regards to the creditors alleged attempts to contact me in regards to : FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : and in regards to the actual dispute letters that the creditors should have received and investigated and henceforth notified me via mail of such investigation while also notifying LEXISNEXIS ; seemingly, if no actual hardcopy dispute letters were sent and received by the creditors, then LEXISNEXIS has never actually conducted an actual investigation with the four creditors listed in regards to FCRA 611 ( a ) ( 1 ) ( A ) Dates, and times of the actual human to human interaction in which LEXISNEXIS should have in their records I am beyond the statute of limitation time frame to seek compensatory damages in regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Filing suit in small claims court is simply something I do not want to do as LEXISNEXIS can easily solve this matter by removing these accounts from my consumer report. At this point, this is strictly a legal issue, as no other governing body, including the Consumer Finance Protection Bureau, can make a ruling on this matter. I have exhausted all of my resources as only the local court system can articulate and ultimately decide whether or not my rights were violated and whether or not I am owed compensatory damages. THIS IS MY FINAL ATTEMPT TO MANDATE THE DELETION OF THESE FOUR UNVERIFIED ITEMS.
11/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60707
Web
As I have stated in previous complaints, this company CONTINUES to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. I only received my results per the investigation via CFPB website. The company has NEVER MAILED ME A NEW UPDATED, CORRECTED, FULL, PRINTED COPY OF MY REPORT OR THE LETTERS THAT THEY SENT TO CFPB! THEY CONTINUE TO IGNORE THE REAL ISSUES AT HAND! THEY ONLY RESPOND TO CERTAIN INFORMATION IN EACH COMPLAINT! THANKFULLY, THEIR REFUSAL TO HONOR MY REQUESTS, DISPUTES AND RIGHT TO RECEIVE MY INFORMATION IS HELPING ME TO GAIN MORE OF A PAPER TRAXXXX AND CASE TO SUE. MY DAUGHTER, XXXX XXXX AND MYSELF HAVE BEGAN TO FILE A LAWSUIT AGAINST LEXISNEXIS AND WOULD LIKE TO REQUEST THE FOLLOWING : 1. FULL COMPLETE PRINTED COPIES OF OUR LEXISNEXIS CONSUMER REPORTS TO BE MAILED TO US IMMEDIATELY! 2. THE REPORTS SHOULD BE PRINTED BY LEXISNEXIS AND MAILED AND ADDRESSED TO EACH OF US SEPARTELY. 3. THE RESULTS OF THE INVESTIGATION THAT WAS REQUESTED BY ME TO BE MAILED TO MY CURRENT ADDRESS EFFECTIVE IMMEDIATELY! 4. INVESTIGATION RESULTS FOR MY DAUGHTER TO BE MAILED TO HER IMMEDIATELY. 5. INVESTIGATION RESULTS FOR THE XXXX XXXX TO BE MAILED TO HIM SEPARATELY IMMEDIATELY! 6. A FAX, DIRECT PHONE NUMBER AND ADDRESS FOR YOUR LEGAL TEAM TO RECEIVE THE COURT DOCUMENTS. 7. TO SEND PROOF OF FILES THAT WERE SUPPRESSED FOR ALL 3 OF US PER OUR PREVIOUS RESULTS! 8. SUBMISSION OF INFORMATION THAT WAS REPORTED TO THE 4 MAJOR CREDIT REPORTING AGENCIES TO BE MAILED TO ME EFFECTIVE IMMEDIATELY. 9. A LETTER ON YOUR LETTERHEAD CONFIRMING WHY YOU NEVER SENT THE INVESTIGATION RESULTS FOR ANY OF US VIA MAIL. 10. A LETTER EXPLAINING WHY YOU STALLED AND DELAYED THE INVESTIGATION, NEVER PROVIDED INFORMATION ABOUT THE INVESTIGATIONS AND THE DATES THAT YOU RECEIVED THE REQUESTS FOR INVESTIGATION. 11. EXPLANATION THAT YOU FAILED TO FOLLOW FCRA GUIDELINES AND PROVIDE US WITH COMPLETED, PRINTED, FULL COPIES OF OUR CONSUMER REPORTS! 12. VERIFICATION AND VALIDATION OF INVESTIGATION RESULTS! 13. HOW DID YOU VALIDATE ANY INFORMATION THAT IS REPORTING IN THE CONSUMER REPORTS! 14. PROOF OF INVESTIGATION RESULTS FOR ALL 3 PARTIES TO BE MAILED SEPARATELY! 14. PROOF OF VALIDATION AND VERIFICATION TO BE MAILED TO ALL 3 PEOPLE SEPARETLY! 15. Some INFORMATION WAS SUPPOSEDLY REMOVED BUT NONE OF US HAVE RECEIVED A COPY OF THE FULL, COMPLETED, PRINTED REPORTS TO SHOW WHAT REMAINS AND WHAT WAS REMOVED! 16. A LETTER THAT CONFIRMS THAT ALL OF OUR CONSUMER REPORTS HAVE NOW BEEN SEPARATED AND ARE NO LONGER MERGED! 17. EXPEDITED COPIES OF OUR CONSUMER REPORTS AND INVESTIGATION RESULTS! 18. PROOF AND CONFIRMATION OF ALL ITEMS THAT HAVE BEEN SUPPRESSED PER OUR REQUESTS! 19. THE CORRECT FAX NUMBER FOR YOUR CONSUMER DEPARTMENT! THE ONE WE WERE USING, NO LONGER WORKS! 20. MY DAUGHTER REQUESTED TO DISPUTE HER FILES ON XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 AND HAVE NOT RECEIVED ANY RESULTS VIA US MAIL! IT HAS BEEN OVER THE ALLOWED 30 DAYS SO THE COMPANY IS AUTOMATICALLY REQUIRED TO DELETE THE ITEMS IMMEDIATELY. MY DAUGHTER AND I HAVE DIFFERENT LAST NAMES, SHE HAS A MIDDLE INITIAL AND I DO NOT! XXXX XXXX IS MALE AND WE ARE FEMALE! WE ALL HAVE DIFFERENT NAMES, HAVE DIFFERENT DATE OF BIRTH 'S! DIFFERENT SOCIAL SECURITY NUMBERS! WE ALL SHOULD HAVE COMPLETELY SEPARATE AND COMPLETELY DIFFERENT PROFILES THAT DO NOT INCLUDE THE OTHER! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECAUSE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO! MY DAUGHTER WAS INCLUDED ON THIS COMPLAINT! SHE HAS FULL ACCESS TO THIS COMPLAINT AND SO DOES XXXX XXXX! MAIL US ALL COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! I HAVE ATTACHED COPIES OF THE LETTERS THAT LEXISNEXIS SENT TO CFPB BUT NEVER SENT TO ME IN THE MAIL. THEY ALSO NEVER SENT THE INFORMATION TO MY DAUGHTER OR XXXX XXXX!
10/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30135
Web
On XX/XX/XXXX, I submitted a request to LexisNexis to have my report with them suppressed, due to the report containing numerous inaccuracies. Around the same time, I also called into LexisNexis to have a security freeze added to this same report. In XXXX of XXXX, I received notification from XXXX XXXX, a lender I had been looking into that they had accessed my Lexis Nexis report and were not able to work with their company due to the information they saw. I reached out to LexisNexis to ask why was XXXX XXXX allowed access to my report, when there was both a security freeze and a suppression. The representative I spoke to informed me that he did see the security freeze and did not have an explanation as to why this company had been able to access my report. He said he would start an investigation and call me back. I never received a call. I asked XXXX XXXX to send me a copy of the report they accessed, and they complied. I never gave XXXX XXXX any type of authorization to access such a report. Around XXXX of XXXX, I sat down to review the report that I was sent from XXXX I sat down and composed a letter to LexisNexis with numerous inaccuracies asking them to verify or delete. It was also around this same time, XX/XX/XXXX, I submitted another suppression request, that LexisNexis acknowledged was in place. On XX/XX/XXXX, I received a report from LexisNexis showing many of the inaccuracies had been deleted as of XX/XX/XXXX, the date of the report they mailed me. Around XX/XX/XXXX, I registered for a membership with the XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called them to check on the status of my pending membership. I was told that it had been rejected due to the information contained within my LexisNexis report. How had they been able to access a report that was suppressed and frozen? Again, I was never told that such a report would be obtained and I never gave authorization for that report to be released. The representative from the XXXX XXXX XXXX XXXX XXXX XXXX said my report contained numerous bankruptcy filings, hence the reason I was not approved. Those bankruptcy filings had been deleted from the report that LexisNexis sent me on XX/XX/XXXX. I did not understand how a report pulled after that time would contain such information. I sent the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), a copy of the report LexisNexis had sent me with all of these erroneous items removed. On XX/XX/XXXX, XXXX informed me that they pulled another XXXX XXXX report so they could compare to what I sent them and it contained the same information that they had originally pulled!! XXXX sent me over a copy of what they had accessed. This association had accessed without my prior knowledge or consent a full file disclosure on me. This report contains numerous inaccuracies!! None of the deletions that were on the report LexisNexis sent me had been removed from this full file disclosure. I called LexisNexis again to find out why was any company able to access my records that were supposed to be suppressed and frozen and why the information contained in the reports were different. The representative I spoke to, could not give me any type of answer. I went to LexisNexis site to pull the information for my state regarding a security freeze. The very first line reads, " You have a right to place a " security freeze '' on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. '' No where on the XXXX registration or the XXXX XXXX registration was I told that a report from LexisNexis would be pulled. I would have never given anyone authorization to access this report since it contains so many inaccuracies. Additionally, I need to understand why I received a report showing inaccuracies removed, but a company accessing my report still sees this information. I was not given a straight answer by the LexisNexis rep I spoke to. Due to all of the erroneous reporting, releasing this profile has caused me harm in my professional life. I am no longer allowed to attend XXXX functions as it has caused extreme embarrassment
04/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • TX
  • 76001
Web
Our Automobile insurance is with XXXX XXXX and we just purchased a new Automobile and notified XXXX about the change / update. They stated they would be send us a new Policy which included the new Automobile. Once we received it was outrageous over {$7600.00} per 1- year. We called and spoke with the agent - XXXX @ XXXX regarding our new policy. According to XXXX XXXX apparently Lexis Nexis had reported XXXX, XXXX, XXXX and XXXX XXXX with Adverse Driving Notices to XXXX and that was creating the very high policy. XXXX @ XXXX requested that we need to reach out to Lexis Nexis and resolve the issue with them specifically. As XXXX XXXX can't do anything for the XXXX family. We requested if XXXX could access the Texas motor vehicle division and run reports on the XXXX XXXX members. The results that XXXX received were totally different that Lexis Nexis had reported. All XXXX of the XXXX Family members had clear driving records in Texas. Now we contacted XXXX XXXX XXXX Account # XXXX and spoke with XXXX on XX/XX/XXXX. We stated the purpose of the call and that we needed to validate and clear why all XXXX of the XXXX family members had " Adverse Driving Notices from Lexis Nexis ''. XXXX proceeded to run reports on XXXX, XXXX, XXXX and yes XXXX. To XXXX surprise, everyone came back with a CLEAR Records except for XXXX. By the way XXXX just received her Texas drivers license on XX/XX/XXXX and they couldn't locate anything on her period. However ; XXXX sent me papers which I have included that states that XXXX, XXXX, XXXX and XXXX have Adverse Notices. She was confused why Lexis Nexis did that and was going to send me my Lexis Nexis reports, see XXXX, XXXX, XXXX Lexis Nexis Reports included as all XXXX state CLEAR. On XX/XX/XXXX XXXX called and spoke with XXXX but we were disconnected as I tried to gain additional information regarding XXXX XXXX. XXXX called back again and spoke with XXXX XXXX. XXXX checked XXXX, XXXX and XXXX Lexis Nexis reports and again found the XXXX records CLEAR. However XXXX could not be found. XXXX in the meantime proceeded to send XXXX, XXXX hard copy reports that stated they were CLEAR, please see attached documents. XX/XX/XXXX XXXX called back and spoke with XXXX XXXX at Lexis Nexis and he was not very helpful. In-fact he was very rude, resentful and non professional and demand that he speak with XXXX XXXX and authenticate her even though she is a minor. XXXX stated NO and that was not going to happen. And requested a Supervisor to call me back to discuss why Lexis Nexis needs to authenticate a minor and why I need to send her Texas Driver License number, Social Security number and Birth certificate Lexis Nexis. Thats their job not mine as they reported all XXXX of the XXXX family having Adverse Driving Notices not me or the State of Texas. On XX/XX/XXXX A Lexis Supervisor ( I forgot his name ) from Lexis Nexis called and we discussed the issue. However ; he was demanding that he speaks with XXXX XXXX and authenticate her. XXXX is XXXX and a minor and I'm her parent responsible for her well being. Lexis Nexis didn't care as he read me their policy manual ( I don't work for them and remember they original reported all XXXX-of the XXXX family having Adverse Driving Notices, not me or the State of Texas ). It was a heated discussion and I gave him XXXX XXXX Texas Driver License Number and Social Security over the telephone and Lexis Nexis still couldn't locate XXXX XXXX. XXXX XXXX never spoke with the Supervisor. That is why we need your assistance. We feel that Lexis Nexis has violated our rights : 1. Demanding to authenticate a minor that resides in her parents home. 2. Falsifying state records across state lines 3. Reporting false information to Insurance companies and other vendors which creates Insurance rates to soar for the XXXX family over {$7600.00} per year 4. Time & research on the telephone, away from work attempting to prove the XXXX family innocents. 5. Trying to clear all XXXX of the XXXX name with Lexis Nexis which is an impossibility without legal counsel.
05/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 22033
Web Servicemember
I was checking my XXXX file and I noticed that the Bankruptcy has been reinserted on my file. Per FCRA I was supposed to notified within 5 days of the reinsertion. I was never and wasn't notified that the aforementioned public record was going to be reinserted on my XXXX. Per XXXX, " PUBLIC RECORD INFORMATION THIS SECTION INCLUDES PUBLIC RECORD ITEMS XXXX OBTAINED FROM LOCAL, STATE AND FEDERAL COURTS THROUGH A THIRD PARTY VENDOR, LEXISNEXIS. LEXISNEXIS XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX.XXXX '' Since XXXX received the information from Lexis Nexis, Lexis Nexis should have notified or given me notice that this public record was going to reinserted. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further acti on. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and 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 ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days. I have no accounts that are listed as included in Bankruptcy on my report. I am demanding that this public record be removed immediately.
11/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30518
Web Servicemember
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$530.00} ) To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of Brennans debt collection letter, Spears counsel XXXX sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX.
01/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29630
Web
Since XXXX, I've requested reports on me and my children. Sending each company 4 forms of identification and either they stated they never received it or i get a letter stating in order to receive my report I have to send the forms of identification that I already sent in ( XXXX I've sent proof of identity for me and my kids XXXX times ) and here we are in XXXX and I still keep getting the same letter in the mail denying my report and my kids reports. The forms of IDENTIFICATION was my Drivers license, Birth Certificates for me and my kids, My daughters state ID, all of our social security cards, school records, and phone bill. In XXXX, when I called XXXX and provided the number on the top of page they told me that wasn't the number associated with the letter they sent out to me... .which make me believe my mail is being intercepted but they customer service couldn't even assist me due to the Report Number that I had on the piece mail they sent me wasn't the right number. Me and my kids were victims of Medicade Fraud and our full names were being using illegally for crimes involving financial crimes, and medical crimes. So our middle names were dropped which I stated detailed information in writing over XXXX times since XXXX and I've still gotten no where. The problem still persist and the criminals are using IP theft ( medical device ), Server Interception, and more things involving my cellphone ( purchased XXXX cell phones brand new since XXXX ) now on my XXXX account brand new it shows Multiple MSINDS ASSOCIATED WITH ONE CELLPHONE THAT I ORDER I called and filed a complaint nothing is being done. All my callare being routed to foreigners. The following inquiries that I didn't do on my credit report INQUIRES GUIDE TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER INFO XXXX XXXX XXXX XXXX XXXX VIA CONSUMER INFO XXXX XXXX XXXX XXXX XXXX VIA CONSUMER INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX CONSUMER INFO VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. ALSO it shows inquires for these credit reporting agencies being pulled up to 4 times a day and I can't even. Acces XXXX XXXX report. The following names, addresses, phone numbers needs to be removed : WRONG ADDRESSES XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX CT XXXX XXXX XXXX SC WRONG PHONE NUMBER XXXX XXXX NAMES XXXX XXXX XXXX False DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes that is my middle name but honestly I've never used my middle name for anything. Looking my at my tax records someone has swapped them out as well. I never used XXXX XXXX XXXX XXXX SC XXXX Shows XXXX party XXXX XXXX I gave permission to discuss my taxes with the XXXX her phone number is XXXX with a PIN XXXX. I NEVER GAVE ANYONE PERMISSION TO TALK TO THE IRS FOR ME. SHOWS FARM INCOME THATS FRAUD. SHOWS A DIRECT DEPOSIT THATS FALSE SHOWS RAIL ROAD RETIREMENT THATS FRAUD. MISSING FEDERAL WITH HELD. SHOWS INVESTMENT INCOME AND ME FILING MARRIED AND FILING JOINTLY THATS FRAUD ... THERES MORE ERRORS AS WELL. SOMEONE IS FRAMING ME FOR FINANCIAL FRAUD. ON MY BANK STATEMENTS ITS SHOWING FOREIGN ATM CHARGES ALL OF SUDDEN. WHEN CALLING TO CHECK MY BALANCE IT PROMPTS ME 3 TIMES REQUESTING MY MEMBER ID AND PIN ESCH TIMES I USED THE SAME NUMBER AND IT STATED IT WAS WRONG WHEN IT WAS RIGHT. IM GETTING MAIL WITH FAMILY MEMBERS NAMES ON IT WHEN NOBODY ISNT SUPPOSE TO HAVE MY PRIVATE XXXX XXXX XXXX I WAS ACCUSED OF SNAP TRAFFICKING BACK IN XXXX WHEN REALLY THATS FALSE. SOMEONBODY IS AND HAVE BEEN FOR ATLEAST 10 YEARS BEFORE I EVEM REALIZED IT. CREDIT BUREAUS I MAILED WERE : XXXX XXXX XXXX LEXIS NEXIS XXXX XXXX GLOBAL PAYMENTS WARNING SIGNS XXXX XXXX XXXX XXXX XXXX XXXX XXXX IM PRETTY SURE MAIL FRAUD IS THE BIGGEST ISSUE HERE BECAUSE THE PAPER DOESNT FEEL OR LOOK REAL
04/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23890
Web
Lexis Nexis has an obligation according to the FCRA as furnisher of information to notify the Credit Bureaus when there is a change in the information that they furnished. Lexis Nexis did the right thing by Deleting the Bankruptcy from my Lexis Nexis File, However they failed to notify the change to XXXX and XXXX. They failed to Notify XXXX and XXXX of the fact they are no longer considering the Bankruptcy associated with me in there File. Because of this fact XXXX and XXXX kept it on my credit report and when I disputed with XXXX and XXXX they notified me in writing that Lexis Nexis certified to them that the Bankruptcy is still actively associated with me in my Lexis Nexis file. Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) In addition to establishing accuracy requirements, the FCRA requires furnishers to investigate consumer disputes filed with the CRAs about information the furnishers provided. Note that this requirement under 623 ( b ) applies only to disputes that consumers file with the CRAs, which the CRAs forward to the furnisher. Congress amended the FCRA in 2003 with the Fair and Accurate Credit Transactions Act ( FACT Act ), which established a furnisher 's obligation to investigate disputes that consumers file directly with the furnisher.25 Those direct dispute requirements, which became effective XX/XX/XXXX, are discussed later in the article. Investigation Procedures. Under 623 ( b ) ( 1 ), when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. If the furnisher determines that the information it provided was incomplete or inaccurate, it must notify all nationwide CRAs to which the information was furnished of its findings.26 Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.27 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. Duty to Correct and Update Information. A furnisher that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information.16 For example, if a bank reports to a checking account verification service that a consumer 's account was closed with an outstanding negative balance, and the consumer subsequently paid off that balance, the bank would have a duty to report that the balance had been paid off.17 The Bankruptcy was Deleted from my Lexis Nexis File they have a duty to notify the Credit Agencies specifically XXXX and XXXX. My Problem is that Lexis Nexis failed to Notify XXXX that they Deleted the Bankruptcy from my Lexis Nexis Consumer Risk File thus causing XXXX and XXXX to keep it on my credit report and tell me that they certified from Lexis Nexis that it is still showing on my Lexis Nexis File and if I have a problem to contact Lexis Nexis as the Furnisher of Information. This has now cost me thousands and much more every day this sits on my credit report especially with a economy down the toilet. I have consulted with Attorney and expecting to file Suite against Lexis Nexis for failing to Notify the credit bureaus that they have Deleted the Bankruptcy off my file. Lexis Nexis has a duty under he FCRA and they failed to carry out there duty thus causing me much pain and suffering. I simply ask them to Notify XXXX and XXXX at once that the Bankruptcy is Deleted from my Lexis Nexis Consumer File.
06/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30504
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX : AccountS # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau, the highly negative impact on my personal credit report. This account has no information in how to contact the creditor : name of the creditor, address, phone number. This is inaccurate reporting and needs to be removed from my credit inmediatelly in accordance with FCRA section 609 and pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
05/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OK
  • 74115
Web
XX/XX/XXXX I requested that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. They failed to do so I then sent a second verified letter that is attached below pointing out all of the inaccuracies and they still failed to remove at this point im filing a complaint because they are in compliance with the FCRA ... LETTER 1 READS Dear LexisNexis : I obtained my consumer reports from XXXX, XXXX and XXXX. Upon reviewing my credit reports, I noticed there was a Bankruptcy listed on each of my credit reports. I was also informed that LexisNexis ( your agency ) furnished this information. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Original Creditor would be the Bankruptcy Court itself, not LexisNexis. The Bankruptcy Court has mailed me a letter XXXX see attached ), which emphatically states that THEY DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, ( and/or other third-party providers ) who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAWS. My inquiry to the U. S. Bankruptcy Court confirmed LexisNexis has never validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. LexisNexis needs to provide me with copies of all documentation associated with this Public Record Account bearing either : ( 1 ) a court order to place this information in my credit report, or ( 2 ) my authorization of release, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately and permanently deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring all my credit reports. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims. I will be seeking no less than {$5000.00} in damages for, but not limited to : ( 1 ) Defamation ; ( 2 ) Negligent Enhancement of Identity Fraud ; ( 3 ) Violation of the Fair Credit Reporting Act. Sincerely, XXXX XXXX ENCLOSED : My Drivers License MY most recent utility bill Letter from the United States Bankruptcy Court
11/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92038
Web Servicemember
Writing to dispute fraudulent debts appearing on my credit report. I was a part of several XXXX data breaches and my phone number and personal information was sold to third parties via XXXX XXXX XXXX. Via the monitoring service, I was notified that my information had been sold to the dark web back in XX/XX/XXXX and my information was being used fraudulently, which explained the errors appearing on accounts reporting to the bureaus. I also was given an anonymous tip from a military contractor, that contractor XXXX XXXX XXXX, XXXX, DOB XXXX, address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been stalking me for 15 years and sold my information. This is not the first time, back in XXXX, XXXX charged thousands on my credit cards to bring harm to my independence this person likes control and is a XXXX XXXX. Unfortunately, we are in a national security crisis and criminals are hurting people during this time. Creditors randomly and without notification, closed accounts see attached. I am a victim of identity theft. Please investigate this Fair Credit Billing issue and correct the fraud as soon as possible. Unaware and unable to avoid the charge card fraud and now as a XXXX Veteran with children ; I am unable to get stable housing nor obtain a vehicle to drive to my doctor 's appointments. Followed me and my childrens lives are still in danger. Internet services were hacked, and I had to pay XXXX to provide me with cyberattack services. Phone lines hacked had to pay hundreds to XXXX XXXX XXXX to protect myself and my children only to find out later XXXX XXXX XXXX was selling my information without my knowledge to unknown third parties. The following accounts were impacted by the fraud. XXXX, XXXX, XXXX. These creditors suddenly lowered the credit limits and closed accounts without notification. In addition, the accounts incurred fraudulent charges and were also marked money laundering and fraud. In addition, I filed reports with the USPS inspector general as my mail was stolen containing credit reports and bank statements. Filed reports with the IRS, FTC, California Attorney General, and several other federal agencies notifying them I am a victim of identity theft. Now, I am writing to request that you block the following fraudulent information in my file and conduct a full investigation. For example, XXXX XXXX XXXX is reporting a lot of inaccurate information. After I filed a complaint with the Attorney General due to deceptive practices ; XXXX closed the account ; with a date of last activity- XX/XX/XXXX ; and a charge-off date of XX/XX/XXXX. However XXXX reported to the bureaus there was still activity throughout XXXX and XXXX who is using the closed, charged off account? For years, XXXX has willfully reported, inaccurate, misleading information, and at this point- it needs deletion. My information was compromised and used in XXXX, XXXX, XXXX. I was a part of two data breaches with XXXX which I never was compensated for damages. Also, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California Department of Child Support, XXXX, to name a few. My information was also hacked via USPS and my mail was stolen several times to include my XXXX information. I filed reports with the USPS inspector general. I got notification of a data breach with Veteran Affairs as a hacker was trying to get my benefits information and medical data violation of my legal rights. XXXX contacted me and told me my account was compromised and sent me a check for damages however the fraud account still appears on my history with the CRAs. XXXX sold me a debt protection plan and I spent hundreds of dollars for the plan. After the fraud happened, XXXX closed the account, charged off the account under the debt protection plan, filed an insurance claim, took a tax write off - then sold the account not honoring the debt protection service I paid for.
09/29/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Public record
  • WV
  • 25703
Web Older American, Servicemember
Case number : XXXXBackStatusCompany respondedXXXX XXXX, XXXX said : Explanation of closureXXXX XXXX, XXXX ( XXXX ) has reviewed the complaint filed by XXXX XXXX XXXX. Please be informed that the lien information he is referring to is not information contained on XXXX files, but rather public record data shared with XXXX by Lexis-Nexis Risk Solutions Bureau, LLC during an inquiry transaction made on XXXX XXXX, 2015. XXXX ' member financial institutions XXXX subscribe to an inquiry service which includes a call out to Lexis-Nexis Risk Solutions Bureau, LLC. The information returned as a result of the call out is displayed on a XXXX consumer disclosure report for a period of ninety days from the date of the inquiry unless a new inquiry is made before the ninety day period expires, at which time it would be replaced with the more recent data. XXXX is not informed of the specific details of the data returned by Lexis-Nexis Risk Solutions Bureau, LLC, such as who placed the lien on XXXX XXXX 's file and when it was placed. As we have previously informed XXXX XXXX, Lexis-Nexis Risk Solutions Bureau, LLC has verified the information to be accurate, however, in order for XXXX XXXX to obtain any additional information about the public record data on their files, we can only suggest that he contact Lexis-Nexis Risk Solutions Bureau, LLC directly. I would like to file a REPORT OR CLAIM, with : XXXX. I ask them to tell me WHAT, THE ''LEIN '' was, & for what? They ask me to file ANOTHER XXXX request. Despite me ASKING them to give me FROM WHOM & WHAT WAS THIS ABOUT ... ( NOT ONCE BUT TWICE NOW ) ; XXXX DID ''NOT '' TELL ME WHAT THIS IS ABOUT? I do n't know what this is. They gave me a score of XXXX ... & I was DENIED to be added onto my wife 's Savings Account, for ''XXXX '', last month. IF THIS WAS ABOUT .... ( THE PARKING FEE FROM : XXXX XXXX, ... .THAT WAS MOVED TO : SMALL CLAIMS COURT ... ( CASE # : XXXX ), THAT WAS FILED BY : XXXX XXXX. XXXX XXXX ... ( XXXX XXXX POLICEMAN ) ... .CFPB ... Case number : XXXX ... ... ( BELOW ), RESPONSE FROM : XXXX XXXX XXXX. StatusCompany responded .... ( BLEOW ) : XXXX, XXXX .... ( XXXX, XXXX, XXXX XXXX XXXX said : Explanation of closureThank you for submitting your complaint on XXXX XXXX, 2015, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate you moved out of country and stayed there for almost 5 years and never used your credit during that time. You further indicate that when you arrived back to the states you tried to get bank loans and were surprised to find out you were being turned down for credit. You are disputing XXXX collection account that is for a cell phone. You state that is inaccurate as you were out of the country at the time the cell phone was purchased. You further state you paid it off anyway because they told you the email address they had was for your daughter. You also indicate there is a judgment on your report for a car that your daughter was using. You state you instructed her to pick the car up and she told you she did. Then you received a call to find out the car was abandoned at the airport. You told them to auction the car and pay off the balance and parking fees. You are requesting that the XXXX disputed items be removed from your report. You also state you have many addresses, names and SSN 's on your report but you did not specify which ones it is that you are disputing. The first collection item you mentioned did not appear on your current credit report. At your request to conduct an investigation, we contacted the public record vendor to verify.
11/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MN
  • 55407
Web
Again, ( XXXX, XXXX, XXXX ) request action for the bias and violation or the law ( s ) by inaccurate reporting by LexisNexus who scores ( doesnt share score with consumers ), in favor of and created by and for insurers ie. XXXX XXXX, XXXX XXXX. Reporting by insurers is at the direct expense and demise of consumers for the profits shared by LexisNexus and insurers. LexisNexus is a private, consumer credit organization, LexisNexus, who is obviously not held to any standards and above any law ( s ). The CFPB nor XXXX XXXX has held LexisNexus accountable to law ( s ) -ie. Fair credit reporting/insurance laws which places a huge burden, with unfair consequences adversely affecting pay and livability ( ie. Loss of Company XXXX, loss of of job/employment opportunities, insurability ), because of inaccurate information provided by insurers to LexisNexus, reported by LexisNexus- in violation of the fair credit reporting act. IF a consumer knows before they lose a job, pay excessive insurance due to inaccurate information being reported to/by LexisNexus and/or, if consumer can obtain the information from insurers or other data/information reporters for mis information and ie. insurers claims that never actually made the falsely reported and/or inaccurately reported, it takes an act of XXXX to reach LexisNexus and no action is being taken on behalf of the consumer to uphold the violation by them as a credit reporter. With the consumer being held accountable to correct information with the private credit reporting organization LexisNexus, with proof needed by the consumer from the misrepreporting agency XXXX XXXX , its near impossible for a consumer to obtain to submit to LexisNexus who then determines weather or not they will updates and you still need to wait an additional 60+ day in hopes that LexisNexus updates after they determine weather or not to correct the information which is shared by them ... they are partners with their customers/insurers not the consumer. They have no incentive to remove or consequence with no enforcement of the law ( s ). Its actually almost impossible to even request ; by phone one must provide voice recognition ( data not previously provided to LexisNexus ), consumers cant even request online, although they collect and share online, which is costly for consumers and injustice, to be collected, shared in a system that provides inaccurate information to justice, government, insurance, employer organizations. The information shared ( not according to fair credit reporting act ) is potentially damaging, incorrect unsubstantiated, information ... Without action by the CFPB ( seems actually a simulated example of-letter/complaint logging agency with no real resolution, just a mail intermediary ) its good for nothing for consumers. When a consumer needs insurance, cant work, are denied housing or opportunities, held accountable by law or government agencies for inaccurate data information programs owned by LexisNexus who is sharing and adversely affecting consumers ... how fair is that according to the CFPB ; how does/will the CFPB respond and take action and how long will it take and at what cost maybe a consumer may lose a job or take a third job to pay for insurance ... .I ask the board do you have or need insurance, a company car, a job, a home? Personally, I have experienced actual loss of money, time, opportunities by LexisNexus sharing information and damages by insurers who deliberately and knowingly continue to deceive, extorting funds from consumers in the name of LexisNexus reports. Again, I request that the CFPB act immediately-on behalf of consumers, as the CFPB is the agency designated and designed to uphold and enforce the laws to protect consumers.
12/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78852
Web
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : XXXX XXXX XXXX XXXX XXXX DOB : XXXX SSN : XXXX Re : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account ID XXXX Re XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Account No. XXXX XXXX Account No. XXXX XXXX Account No. XXXX Re XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re : XXXX ', XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX Re : LexisNexis Risk Solutions XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Complaint for a Debt Not Due Comes Now Complainant, XXXX XXXX XXXX XXXX and in support hereof presents : 1. Complaint brings this Complaint to resolve a question of controversy as to whether : A consumer credit account, enrolled in a credit protection program offered by the card issuer, with a live and active claim pursuant to the terms of which monthly minimum payments are made by the card issuer on behalf of the card holder due to XXXX, is delinquent for reporting purposes under the Fair Credit Reporting Act and the Fair Debt Collection Procedures Act. 2. In XXXX, Complainant applied and was approved for lines of cred upon the referenced accounts issued by the XXXX XXXX XXXX XXXX XXXX ). 3. At all relevant times, XXXX offered a Credit Protection Program, pursuant to the terms of which enrollees could obtain payment relief whereby XXXX paid the monthly minimum payment due to, inter alia, XXXX. 4. In XXXX, XXXX sold the referenced accounts to XXXX XXXX XXXX, XXXX ( XXXX ). 5. Between XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ), a debt collector and agent for XXXX, furnished information that Complainant was and remains delinquent to the sum of {$1800.00} upon the referenced accounts to the following consumer reporting agencies ( XXXX ) to be included in consumer files, to wit : XXXX XXXX Corporation XXXX Consumer Reporting Agency LexisNexis Risk Solutions Consumer Center XXXX XXXX At the time of the sale, Complainant had and continues to have a live and active XXXX claim as pertains to the referenced accounts whereby XXXX is obliged to make the monthly minimum payments due upon the same. 7. To secure my rights, privileges, and covenants thereunder, XXXX, as a matter of law, is obliged to honor the terms and conditions of Complainants cardholder agreement with XXXX, inclusive of the terms and condition of the XXXX Credit Protection Program. XXXX. The foregoing considered, due to my participation in the XXXX Credit Program, and, further, upon which there is a live and pending XXXX claim which obliges XXXX and its assigns and successors to make the monthly minimum payments due upon the referenced account. XXXX. Hence, the foregoing considered, as a matter of law, pursuant to the terms of the XXXX Credit Protection Program, the referenced accounts are not delinquent to the sum of {$1800.00}, or any other sum ( For want of maturity if no other reason ). Accordingly, reports of said delinquency reported to the referenced CRAs are inaccurate, false, and misleading under the terms of the FCRA and FDCPA. 10. In resolution, Complainant asks : A. For CRA re-investigation of all issues raised in this Complaint. See : 15 U.S.C. 1681i ( a ) ( l ) ( ( A ) and 15 U.S.C. 1692g. B. That XXXX honor the terms and conditions of the XXXX Credit Protection Program as obliged when it purchased the referenced accounts. C. That XXXXy and or XXXX remove or cause to be removed from Complainants consumer files with the referenced CRAs the derogatory report of Complainants delinquency to XXXX to the sum of {$1800.00}. Cordially, _________________________ XXXX XXXX XXXX
08/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • 32792
Web
There are actually a few problems I'm having with LexisNexis. I have been disputing my LexisNexis file since early XX/XX/XXXX in order to clear up outdated addresses, incorrect addresses, and an incorrect, unverified, invalidated eviction record. I am in the process of searching for a home and all of this has been hindering me from moving forward with this. 1 ) LexisNexis has repeatedly come back to me stating that the ( truly unverified, invalidated, incorrect ) eviction record is " verified '' and " accurate ''. 2 ) Alongside the previous, under the FCRA, they are required to provide a copy of an original consumer agreement / original contract / original instrument of indebtedness bearing my signature, yet, they have not supplied this information ( and it's now XX/XX/XXXX ). 3 ) This eviction record is reported throughout my consumer file and falsely reports that I was at the plaintiff 's apartment complex during a time I absolutely was not ( XX/XX/XXXX, and more specifically, XX/XX/XXXX ), nor did I have contact with them. I was living with family and had my address changed at the very end of XX/XX/XXXX! It also does not contain pertinent information, like my SS #, DOB, and my middle name or initial! Yet, somehow, this is an " accurate '' and " verified '' record??? 4 ) LexisNexis has also not verified the validity of the false " date last seen '' with original documentation. 5 ) While many false, incorrect, and outdated address records have been deleted, there are a few that have remained that they continue to leave in my file despite my detailed requests. 6 ) After I sent in my 2nd dispute, I never got immediate confirmation that my dispute began for 2 weeks. I ended up having to call and got a rep to put the dispute through. They were about to ignore my 2nd dispute! 7 ) I just sent in my 3rd dispute and they're doing the same thing! They have not confirmed the start of my new dispute for days now. Their negligence and violations of consumer law are holding me up from obtaining housing. 8 ) I confirmed from the courthouse with calls and from information right on their website that they DO NOT supply information to 3rd parties, like credit bureaus and LexisNexis ( I specifically asked about LexisNexis when I called and I was told 'no, they do not ' ). 9 ) Therefore, this confirms for a FACT that LexisNexis has been utilizing 3rd parties, like PACER and others to " verify '' records, which means these records are not truly being verified at all as the LAW requires! As other sources have also proven, PACER, in particular, ( also ) never contains 100 % accurate information and contains incomplete, inaccurate information! The documents I attached also prove how much these 3rd parties are inaccurate as there is LOTS of false info included in these records. The PACER system does not provide complete SS # s etc. -- they're not even allowed to under the FCRA -- as it would be a violation of the FCRA and the privacy laws. Therefore, what they provide CAN NOT be 100 % accurate. And, even though they hold or pass along this info, it's STILL not enough to verify records ; they are NOT the original furnisher of the account / record. For these 3rd parties to pass along this inaccurate, incomplete information to you is a violation of my rights and of the privacy laws. I am outraged that your company, LexisNexis, continues to maintain an inaccurate, unverified, invalidated eviction record ( and outdated addresses ) as " verified '' and " accurate '' in various reports in my consumer file. Again, the eviction record in particular has hindered me from obtaining housing. Their negligent actions are very dangerous to my person and my identity as a consumer.
08/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95945
Web
To whom this may concern, I am writing this letter because Lexis Nexus has false information on my credit report that appears to be obtained from highly inaccurate " scraping '' or " information sharing ''. The use of this completely unverified information ( sometimes from companies that are no longer operational or have been the subject of privacy violations, settlements, and lawsuits ) has put me at a significant disadvantage and caused me harm not only to my credit and report reputation but also in my ability to gain employment or open financial accounts. The Lexis Nexus Case Number is : XXXX and the false information that I am requesting be removed includes : 1. ) Phone Records : ( XXXX ) XXXX This is not my phone number and has never been my phone number. However, this phone number was formerly used by an individual within the friends/family on a friends/family shared phone plan. However, at no point in time did I ever use the phone number ( XXXX ) XXXX and respectfully request that this record be immediately put into dispute and remove from my credit report. Furthermore, please have XXXX XXXX XXXX provide me with an explanation of why this false information was submitted to my consumer report. 2. ) Email Records : XXXXXXXXXXXX This is not my email and has never been my email. In fact, the domain and email service XXXX has been defunct for numerous years. Thus, this information should be immediately removed. Once again, please ask the furnisher of this information to explain why this record was submitted to my consumer report. 3. ) Email Records : XXXXXXXXXXXX ( ALL INSTANCES FROM MULTIPLE SOURCES ) This is not my email. In fact, this email address no longer exists and searching online shows that it was publicly used by multiple people. Please remove this information and confirm with XXXX, XXXX why they put this information on my consumer report. 4. ) Email Records : XXXX ( Second Instance ) This is not my email and has never been my email. In fact, the domain and email service XXXX has been defunct for numerous years. Thus, this information should be immediately removed. Once again, please ask the furnisher of this information to explain why this record was submitted to my consumer report. 5. ) Email Records : XXXX ( Third Instance ) This is not my email and has never been my email. In fact, the domain and email service XXXX has been defunct for numerous years. Thus, this information should be immediately removed. Once again, please ask the furnisher of this information to explain why this record was submitted to my consumer report. 6. ) Email Records : XXXX ( All Instances ) This record was never authorized to be shared and is no longer a valid email address after being hacked. Please remove this record immediately. 7. ) Business Association Records : XXXX XXXX XXXX is no longer associated with me and should be removed. The address is not valid either. 8. ) Address Records : XXXX XXXX XXXX Please have this removed. This is a box used by a family member not me. 9. ) Address Records : XXXX XXXX XXXX XXXX XXXX Please have this removed, I have never lived at this address. A family member lived at a nearby address but not me. 10. ) Address Records : XXXX XXXX XXXX Please have this removed, I have never used this address. A family member used this address but not me. 11. ) The only valid address should be XXXX XXXX XXXX, XXXX XXXX, California, XXXX. PLEASE ALSO REMOVE XXXX XXXX XXXX, XXXX, CT. I have never lived here nor is this a valid address. Furthermore, please DO NOT disclose my full social security number on any documents or request. Also please opt me out of all marketing or sharing of information and place a freeze on my file.
08/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30023
Web Servicemember
On multiple attempts dating back to XXXX of 2017 I have disputed multiple unverified accounts or personal identifying information with LexisNexis as follow : Identification Record XXXX XXXX Unverified Name Identification Record XXXX XXXX XXXX XXXX Unverified Address Identification Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Address Identification Record XXXX XXXX XXXX y Unverified Name Identification Record XXXX XXXX XXXX XXXX , GA Unverified Address Identification Record XXXX XXXX XXXX XXXX , GA Unverified Address Identification Record XXXX XXXX XXXX XXXX , GA Unverified Address Identification Record XXXX XXXX XXXX XXXX , GA Unverified Address Identification Record XXXX XXXX XXXX XXXX y XXXX Unverified Address Identification Record XXXX XXXX XXXX XXXX XXXX Unverified Address Identification Record XXXX XXXX XXXX XXXX XXXX XXXX Unverified Address Assessor Records XXXX XXXX XXXX XXXX XXXX Unverified Records Bankruptcy Records Case # XXXX Unverified Records Judgements/Suits File # XXXX XXXX Court Unverified Records Online Marketing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Records Online Marketing XXXX XXXX XXXX . XXXX XXXX XXXX Unverified Records Phone Records XXXX , GA XXXX Unverified Records Each time these items were disputed with LexisNexis the agency responds with information verified. On or around XXXX I called LexisNexis and spoke with a rep requesting why I had not received documentation as to how they verify the items. The rep basically advised that they pull the information from the credit bureaus and courts to obtain public records information ( per my request I asked that it be. provided in writing ). At that time, I advised the rep that I had contacted the GA Federal Bankruptcy court in XXXX to verify the information in their file. I was told by the court clerk that the information pertaining to my name/social was incomplete and that some of the information did not match. Furthermore, she advised that they do not report any Bankruptcy/court records/information to any of the credit bureaus including LexisNexis and they do not verify any information that supports the credit bureau or LexisNexis claims. I also advised the rep that I had contacted XXXX Magistrate Court that advised me of the exact information and also communicated that they had no records of a judgement attached my name or social. However, asked had I ever gone by another last name ( XXXX ) in the past which I answered with " NO ''. Lastly, I reached out to XXXX XXXX XXXX who is reported on my report as showing I resided in her property at : XXXX XXXX XXXX XXXX , GA XXXX . XXXX XXXX advised that only her family has resided in the home and that its not now or never been a rental property. After advising the LexisNexis rep about all this information, she stated that I could dispute again and that they obtain the information they report from outside source. My question at that time was " How can you report something that you have not verified to be accurate or fraudulent/erroneous information reported by third party companies? '' Again, I was only told to try and dispute again. Also, the information that they have in my file that is shown to be reported from XXXX , XXXX and XXXX are all incorrect and not now or in the pass have ever been reported on my credit bureaus. Even after advising I was a victim of identity theft, the representative advise the information could possibly still report although it 's inaccurate.
01/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89103
Web
I have been trying to correct my LexisNexis Consumer Disclosure file since XXXX, XXXX regarding a " mixed files '' issues. The credit reporting information is taken from my LexisNexis Consumer Disclosure reports dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were hundreds of records that belong to my relative ( XXXX sister ). It is now XXXX, XXXX and there are still errors in my file after making phone calls, sending emails, and sending certified letters requesting deletion of the errors. This is not a situation where only some inaccurate records deleted is good enough. All the inaccurate records must be deleted permanently. The event that brought the errors to my attention was a call from my Insurance Agent asking me about a {$41000.00} claim on my LexisNexis Consumer Disclosure report when I applied for insurance. Of course, I was baffled regarding a {$41000.00} Property Insurance claim. Immediately I realized that it was most likely a claim filed by my relative and I let the Insurance Agent know that. When I gave the Insurance Agent my relative 's name, it matched the name that was associated to the claim. My relative was also a client of the same Insurance Company. As it turns out, there were three ( 3 ) additional insurance claims associated with my relative. The Insurance Company disputed the four ( 4 ) claims, ( two ( 2 ) Automobile Insurance claims for {$540.00} and {$93.00} and two ( 2 ) Property Insurance claims for {$41000.00} and {$5800.00} because they knew that the claims did not belong to me. Once I received my LexisNexis Consumer Disclosure report, it was confirmed that the claims belonged to my relative. As it turns out, there was another Property Insurance claim that belonged to my relative in the amount of {$850.00}. The LexisNexis investigation of the Insurance Company 's disputes resulted in an update of the inaccurate insurance claims, not a deletion of the inaccurate insurance claims. I had to dispute the claims again myself. After several attempts to have the inaccurate claims deleted, they were deleted from my file. Another issue is that when inaccurate records are deleted, some of those same records appear in my LexisNexis Consumer Disclosure file again without my knowledge or approval. The Security Freeze that I had LexisNexis add to my file was removed five ( 5 ) months later by LexisNexis without my knowledge or approval. I called LexisNexis and insisted that the Security Freeze be returned to my Consumer Disclosure file immediately. As a result, I received an updated LexisNexis Consumer Disclosure report that indicated the Security Freeze had been returned to my file again, but the report also indicated that the {$41000.00} Property Insurance claim and the {$850.00} Property Insurance claim that belonged to my relative that took me months and several certified letters to have deleted, is appearing on my report again. If the inaccurate records are deleted, how can they reappear in my file? Another issue is that invalid records that I've requested to have deleted have not been deleted. They remain in my LexisNexis Consumer Disclosure file after months and multiple requests to have them deleted. Another issue is that LexisNexis will delete my relatives ' records from some Sections of my Consumer Disclosure file but not from all Sections of my file. If LexisNexis deleted inaccurate records associated with my relative, why not delete all inaccurate records associated with my relative. I've spent several months and much money trying to correct these mistakes and this project is still ongoing.
03/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33025
Web
I have called LexisNexis 2 to 3 times for my full disclosure consumer credit reporting file to be fully printed and mailed to me via USPS mail. They only sent a letter with an access code and the access code never workers and not an actual copy of my credit report that they are reporting. They are prohibiting me from accessing my report. They violated the fair credit reporting act 15 USC 1681 Stating : that i the consumer have the right to ask for a credit report ; Credit reports are numerical summaries of your credit-worthiness based on information from " credit bureaus '', by not fulfilling my request for a copy of my full printed disclosure credit report again they are in violation. Also code 15 USC 1681B permissible purpose of consumer report ( a ) Accuracy and fairness of credit reporting ( 2 ) An elaborate mechanism has been developed for investigating and evaluating thecreditworthiness, creditstanding, creditcapacity, character, and general reputation ofconsumers.. I called XXXX the XXXX, XXXX and I also called on XXXX XXXX and I have call other times after, I was told that the full report was being sent to me via postal service and I still have not received the report as of today XX/XX/XXXX. Which is more than the 7 days. 18 U.S. Code 242 - Deprivation of rights under color of law. Who is the Credit Bureaus XXXXThe term Bureau means the bureau of Consumer Financial Protection . per 15 U.S. Code 1611 ( b ) - Criminal liability for willful and knowing violation & 15 U.S. Code 1602 ( b ) - Definitions and rules of construction. = CFPB is the Credit Bureaus Also LexisNexis is " verifying '' and reporting private information that I never gave written consent for them to report BANKRUPTCY. LexisNexis is " verifying '' a bankruptcy that was done in private to third party companies like XXXX, XXXX and XXXX etc. when in fact I never gave them nor LexisNexis written permission to even report this. Bankruptcy is NOT a public record. And the bankruptcy court by law will not report this either because they know the law too. This is private information and it was done in private. You are also verifying charge off from XXXX XXXX, which in fact is income, Define from IRS, clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate. They are infringing upon my right to privacy ; 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their [ grave responsibilities ] with fairness, impartiality, and a respect for the consumers right to privacy. and 15 U.S. Code 1640 Civil liability & 15 U.S. Code 1611- Criminal liability for willful and knowing violation. Now that this is a public complaint and if it continues to be report and verified you are Knowingly committing a crime 15 U.S. Code 1611 ; I will seek for damages of pain, embarrassment, loss of pass business transactions and future funds/ business not limited to other suffering behind this false and inaccurate information.I will file FTC complaint along with making a tort complaint and send the evidence of this complaint and every other complaint and pass disputes to the IRS and FBI and any where else I can report the company along with any other companies helping them get away for violating my rights 18 USC 241- Conspiracy against rights ; and if I have to I will sue for my damages I WILL ; YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.
07/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30281
Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
07/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IA
  • 50703
Web
This is my 5th ( seriously ) dispute of account information disputing a dismissed bankruptcy public record that does not belong to me. It is appearing on my credit report from XXXX. It doesnt appear on any other credit report. They were removed once Lexis Nexis removed it from my consumer file there. I Mailed in a CMRR letter notarized and sworn under oath. Explained my dispute in detail and provided XXXX the letter from Lexis Nexis stating the bankruptcy didnt belong to me. I stated under oath the bankruptcy public record was not mine. Ive researched the address of the courthouse reporting this information. ( XXXX. XXXX XXXX XXXX, XXXX XXXX. And also to request information. It states this is the address of the Federal Court reporting the bankruptcy information my XXXX Credit report ( copy attached ) However my research has indicated that the address listed is incorrect and that in fact no Bankruptcy court is located at the listed address at all. Nothing exists at this address except a P.O. Box which is the address XXXX has consistently verified as accurate. No phone number is listed. I am not a resident of Mississippi nor have I ever lived there. My first and last name is VERY common. I believe my information has a mixed file with someone else. This is a manifest injustice. A gross negligence on the part of XXXX for failure to correct an error that has been proved as inaccurate as well as proved THAT IVE PROVIDED AMPLE AND TANGIBLE EVIDENCE for them all they have to do is actually check it. The company who XXXX lists on its website ( Lexis Nexis Risk Services ) and in previous correspondence on verified disputes ( stated in writing Lexis Nexis verified the public record as accurate ), even tho Lexis Nexis has stated in writing that they have purged and deleted the incorrect bankruptcy from their records on me. This is bringing me to the conclusion that XXXX is not actually sending my disputes to the furnisher of information. I have proof in writing from Lexis Nexis stating that the bankruptcy information was removed from my credit file at their company and that they sent disputes to anyone who they may have reported that information as well ( see attached ). My 2nd concern is that XXXX is not processing my disputes in a timely fashion. According to the FCRA consumer disputes should be initiated and sent to the furnisher of information within 5 days of receiving the dispute or informs the consumer in writing why that hasnt happened. I have a certified mail Return receipt. XXXX signed for the mailed in dispute on Tuesday XXXX, XXXX at it XXXX Headquarters in California. I filed a subsequent complaint with CFPB complaint # XXXX only after the 5 days had lapsed dispute was not being processed. The dispute was not opened until XX/XX/2020. It was certified not verified on XX/XX/2020. Well over the allowed mandated times according to the FCRA. I am once again requesting a removal of the public records in bankruptcy case # XXXX information from my XXXX credit Report. I have new information from Lexis Nexis. ( See attached ) The bankruptcy is not mine. I have also been a victim of ID Theft. My next step is to take all my paperwork and evidence to a competent FCRA attorney and let them decide if we have enough to bring XXXX up on charges in Minnesota. Dealing with this is driving me completely insane. This dispute process is very frustrating I see why so many people give up. Please review this new evidence and Remove it from from consumer files at XXXX. Thank you
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30022
Web
On XX/XX/2022 I filed a complaint on LexisNexis, citing I received a letter from LexisNexis stating they do not have a Public Record on file for myself. So I contacted XXXX, XXXX and XXXX to informed them via certified mail of the letter I received from LexisNexis. The bureaus are telling me I need to contact LexisNexis, however LexisNexis is telling me they have not reporterd this information to the bureaus and it's up to the bureaus to correct my credit prifile. My credit profile states contact LexisNexis and it reads as listed below. Public Records Report Date : XX/XX/2022 This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, LexisNexis. They can be contacted at : https : //equifaxconsumers.lexisnexis.com LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Please be aware LexisNexis needs to take full responsibility for their actions, I'm taking legal action if this isn't resolve immediately!!!! 15USC1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. has violated my rights as a consumer and abusing their authority as a " DEROGATORY '' third-party LIAR!!!! I want this information removed IMMEDIATELY!
09/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • VA
  • 24382
Web
On XX/XX/2020 I pulled my credit report and there was a public notice about bankruptcy being reported by a company called LexisNexis. So, I called LexisNexis and asked if they reported this to the credit bureaus? If so, how did they obtain and verify the information was correct? They explained to me that the information was reported to them directly from the courthouse staff. So, later that day on XX/XX/2020 I contacted the bankruptcy court ( XXXX District Clerks office ) to ask how this information was reported and which agent or staff reported it. I was advised by one of the staff by the name of XXXX XXXX that they DO NOT give or release information to credit bureaus or and other companies. I received a letter from the court from the Deputy Clerk XXXX XXXX that states that the U.S. Bankruptcy Court DOES NOT report to the credit bureaus. It was noted on the said report that the information was provided by LexisNexis. So, on XX/XX/XXXX I sent out a Notified and Certified letter with TRACKING ID XXXX XXXX XXXX XXXX XXXX I seen where the letter was delivered on XX/XX/XXXX at XXXX XX/XX/XXXX. Information for verification included my Virginia Drivers license and Social Security Card attached to said letter. The letter asking that my account with your company LexisNexis be frozen so that I can look into this matter. On or around about XX/XX/XXXX I received a letter from LexisNexis stating : I quote LexisNexis has conducted a search of its databases based on the information provided to us, but was unable to locate a file sufficiently matching your data. I again on or about XXXX I pulled my credit report again hoping that because the information was not able to be found, then it should no longer be on my credit reports, as I have now made LexisNexis aware that it was reporting inaccurate information. Thus, also being that LexisNexis didnt/should n't have a file for me to be reporting out. With the information on the report, I disputed with the credit bureaus and explained and provided the proper documentation from LexisNexis and the bankruptcy court hoping it would be removed. On XX/XX/2020 I received a letter from 2 of the Credit bureaus with the dispute results stating that : I quote Outcome : Remains The company that reported the information has certified to XX/XX/XXXX and XX/XX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. I have been denied credit and the reason for denial is ONLY reported BANKRUPTCY. I have had to obtain an auto loan with super high interest, again the reason for BANKRUPTCY. I would like to bring this to the CFPB attention because I'm sure that I'm not the only one this has happened to. I sent copies for all my proof to LexisNexis that include the following ad nothing has been done yet. 1. Letter to LexisNexis to freeze my account with them Dated XX/XX/2020 attached is my Virginia Drives license and SSN card 2. Tracking information for letter noted above 3. Tracking information printed from the USPS website showing ( Delivered ) 4. Letter from LexisNexis stating that they had no file with the information provided 5. Part of the dispute letter sent to the credit bureaus disputing the wrong inaccurate information. 6. Copy of the letter from XX/XX/XXXX stating that the Information was verified and is correct. 7. Copy of letter from the Deputy Clerk from the bankruptcy court.
11/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NM
  • 87557
Web Older American
This is my second complaint filed with your bureau regarding copies my credit and finance reports gathered by LexisNexis Risk Solutions. I have tried to get a report from them beginning XX/XX/2021. Despite filing a complaint with you on XX/XX/2021 ( Complaint # XXXX ) and submitting the additional information LexisNexis requested, I have been unable to access my credit report. It is now XX/XX/2021 well beyond the 90 days allowed by law. After I filed my complaint with CPFB on XX/XX/2021, LexisNexis contacted me on XX/XX/XXXX for the first time. They requested additional information in the form of a copy of my social security card, a government id, and a third party bill addressed to me. I sent copies of all these documents to them on XX/XX/2021. On XX/XX/2021, Lexis Nexis sent me a time sensitive URL, with a pin, good for 30 days, which the company asserted would show my credit report. Although I tried repeatedly over a period of days to access the URL, no such URL was found with either XXXX or XXXX search engines. Therefore I could not access the report. On XX/XX/XXXX, I emailed their help center describing my difficulties in accessing my information. After three days I got a canned response suggesting that I empty my cache and make sure I hadn't made a mistake in entering the URL and the pin. Obviously I had checked all this repeatedly. On XX/XX/XXXX I called their " Help '' desk. The person who answered said the same thing as the emailer had. No other help was forthcoming, since she was not trained to help with computer and access problems. I then asked that the credit report be sent as a hardcopy, by mail to my po box , the address to which Lexis /Nexis had sent the URL. She said if I sent a copy of a current utility bill to XXXX, I would be contacted within 48 hours by phone and that a hard copy of my credit report would be sent to my address. I sent a copy of my utility bill to that address the same day Needless to say I received no phone call, nor was a report sent to me. Meanwhile, before I made the XX/XX/XXXX phone call, on XX/XX/2021 Lexis Nexis sent another time sensitive URL with my credit report which I received on XX/XX/XXXX. Again the URL was not available on search engines as written. I am XXXX now, a year older than when I made my first inquiry. I do not wish to spend my remaining time on earth playing wack-a- mole with LexisNexis URLs. I have given them all the information they need to send me a hard copy of my report. I need to do this to make sure any credit issues are resolved before my death and will not impact my estate. More immediately I need the report to determine whether my home insurance rates are based on accurate information, since my insurance company, XXXX claims it is basing my increased rates at least in part on information obtained by LexisNexis. This long delay and repeated attempts to get my report, disturb my tranquility, waste my time, and threaten to exacerbate longstanding chronic stress related health problems. Furthermore, the fact that LexiNexis is dropping tranches of sensitive information in URLS that may be available to hackers, if not their intended recipients, would lead a reasonable person to worry that their personal information might be used against them. Please note : The date XX/XX/XXXX on my original complaint of XX/XX/XXXX, should read XX/XX/XXXX XXXX
06/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08053
Web
I tried to switch my car insurance to XXXX in XX/XX/XXXX/XX/XX/XXXX. During the process I received a quote, and as I migrated to the payment screen my rate had doubled because apparently there was an accident on my C.L.U.E . report that I did not list. Confused, I contacted XXXX where they informed me of an accident reported by LexisNexis in XX/XX/XXXX ( the first time I had ever even heard of this company. ) I told XXXX that this was a mistake, as I was recovering from a broken back in XX/XX/XXXX and not driving at all. They told me there was nothing they could do and that I would have to contact LexisNexis to resolve my issue. After giving me a number for LexisNexis, I called right away. I called LexisNexis several times since around XX/XX/XXXX/XX/XX/XXXX. The first time I was unable to reach a live person and after giving all my pertinent personal information to request my C.L.U.E . report I was told I would receive correspondence in the mail within 14 business days. Around a week or two later I received a letter which said they were unable to process my request and provided me with no information at all. After calling XXXX once again they were able to give me a reference number which they said would help me get the information I needed. I gave LexisNexis another call and was once again greeted by a computer which was completely unable to understand any of the information I was giving it ( also there was no option to type in the information using my phone. ) I finally decided to give LexisNexis an email on XX/XX/XXXX to which I received no confirmation or response. To my surprise, on XX/XX/XXXX I finally received a response with the information I requested 2-3 months ago. The incident that LexisNexis reported on my C.L.U.E . report was for a completely different individual ( as I suspected. ) However, it is incomprehensible to me how they got our information confused. We have different first and middle names, different social security numbers ( YES THEY SENT HIS SOCIAL SECURITY NUMBER TO ME ), different addresses, different email addresses, different vehicles, different insurance companies, different drivers license numbers - I am sure you get the point. To summarize, my issue is that erroneous information is being reported on my C.L.U.E . report, which is costing me money. Not only that, but there is no reason for this confusion to happen in the first place. Additionally, and much more egregious, LexisNexis is completely mishandling our personal information ( my own and this other individual. ) I now have access to every address this individual has ever lived at, his social security number, the names of his family members, the make/model/VIN number of his vehicle ( and closely related family members ), even some of his credit history has been disclosed, and much more sensitive information. And I am sure this is a 2-way street. All of my personal information in this file that actually pertains to me is likely being reported to this other individual. At the end of the day, even if LexisNexis were to resolve my issues, I am the one who had to pay more in car insurance. I am the one who had to wait all this time and go through this insane process to clear their mistake. Who knows how much damage was actually caused through LexisNexis 's mistakes? And why is the onus on me to fix their mistakes? Completely unacceptable.
04/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MI
  • 48334
Web Older American, Servicemember
This is my 2nd time addressing this same issue. I originally mailed LexisNexis in XX/XX/XXXX and thought this would be fixed. But I have heard nothing and just pulled a new XXXX report which still shows the inaccurate information. In XX/XX/XXXX my auto insurance literally tripled- for years I paid between $ 1200- $ 1700 yearly. Then when I wen to renew in XX/XX/XXXX it was {$4700.00}. I asked why and was told it was due to a ticket and claim. On XX/XX/XXXX I ordered my XXXX report from LexisNexis confirmation # XXXX XXXX LexisNexis has me down for the following inaccurate information : XX/XX/XXXX at fault accident 4pts. ( I was not at fault and have a copy of the police report from the Michigan State Police attached ) If anyone wants to question its authenticity all they have to do is pull the report themselves. XX/XX/XXXX COMPREHENSIVE LOSS ( CMP ) This is not mine. Please provide a full copy of this claim. XX/XX/XXXX ACCIDENT NOT AT FAULT -- - This is not my claim and is possibly mixed with a relative who has a similar name. Please verify all personal information. XX/XX/XXXX At fault accident -This is not my claim and is possibly mixed with a relative who has a similar name. Please verify all personal information and provide a full copy of this claim. XX/XX/XXXX COMPREHENSIVE LOSS ( CMP ) NOT MINE XX/XX/XXXX COMPREHENSIVE LOSS ( CMP ) NOT MINE I shopped around with 8 different auto insurance and every came back with similar quotes stating my XXXX report score was very bad. I am not an attorney and had no idea what i could do to fix this. My insurance agent said I had to get a copy of my XXXX report and dispute anything that is wrong. However, I am also a XXXX of my wife who has serious illnesses. XXXX, XXXX XXXX, XXXX XXXX and was on XXXX. In XX/XX/XXXX My wife spent 5 months total in the hospital. In XXXX she spent 4-5 months and had XXXX XXXX XXXX. In XX/XX/XXXX I had to rush my wife to emergency 14 times. Each time resulting in her being admitted for at least 3 days, a few times for weeks. In XX/XX/XXXX I came up with XXXX XXXX. Had XXXX and now monitoring that along with caring for my wife, What I am trying to say is that I have very little time and energy to spare trying to get this corrected, but I can not afford the insurance. I used to drive a XXXX XXXX, but had to get rid of it due to the high insurance cost. Me and my wife are now dependant on a XXXX XXXX XXXX XXXX with over XXXX miles. Which always breaks down. And i am paying over {$1300.00} just for LIABILITY, which is absurd! If I had to run my wife to emergency and the car breaks down she could die. I recently found out that my XXXX report has me with 4 pts for an at fault accident in XX/XX/XXXX this is NOT CORRECT! I never had an accident in XX/XX/XXXX. I was involved in an accident on XX/XX/XXXX which was not my fault, I did not get a ticket and even won a civil suit against the driver who did cause the accident and received the ticket. PLEASE have LexisNexis correct my XXXX report and provide me with my FULL FILE DISCLOSURE REPORT. attached is the Request for FULL FILE DISCLOSURE FORM. I am also sending the original via certified mail. Attached are ; Copy of Michigan State Police report for XX/XX/XXXX accident Copy of XXXX XXXX quote Copy of Full File Disclosure Request Copy of My Michigan Drivers Record - ( zero pts )
10/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MI
  • 48413
Web Servicemember
Under my FCRA rights, I have been filing disputes and requesting verification of the following public record/account listed on my credit reports with LexisNexis, XXXX and XXXX since XX/XX/2020. ( All first and second round letters went certified mail & proof of letters attached with this complaint ). All three agencies continue to report on my credit record the folllowing account : XXXX XXXX XXXX/Bankruptcy # XXXX. Both XXXX and XXXX list LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX as the source of their verification onXX/XX/20 ( XXXX XXXX, XX/XX/XXXX ( XXXX XXXX, and XX/XX/XXXX ( LexisNexis themselves ). After my first round of disputes, XXXX deleted this account on 09/21/20 ( file attached with this complaint ). LexisNexis, XXXX, and XXXX did not include the procedure used to determine the accuracy and completeness of this disputed information including the business name, date, address, telephone number and whom they spoke with as the furnisher of information. I specifically requested this information during my first/second round letters pursuant to my rights under the Fair Credit Reporting Act. Not ONE of these reporting agencies have shown proof of this account. In fact, LexisNexis sent their dispute results letter to me that as of the date listed on letter XX/XX/20 XXXX that LexisNexis have not received a response from XXXX and XXXX!!! ( letters attached with this complaint ). On XX/XX/20, I called LexisNexis at the number listed in my security freeze letter at XXXX and spoke with a consumer consultant named " XXXX '' who indicated that indeed my security freeze was done on XX/XX/20 ( confirmation letter attached with this complaint ). XXXX also indicated that neither XXXX or XXXX inquired on my record on/around the dates they listed on my dispute results from BOTH credit reporting agencies. " XXXX '' at LexisNexis also indicated that they would begin a dispute for me with the actual courthouse listed as XXXX XXXX XXXX XXXX XXXX XXXX, MI for verification. I questioned how LexisNexis dispute process works. XXXX indicated that they sent out a letter to the courthouse and they have 30 days in which to respond. I thought that's what they did when I started my online dispute on XX/XX/20?? ( proof of email attached within this complaint ). I contacted the XXXX XXXX XXXX XXXX XXXX XXXX, MI and they sent me a letter indicating they do not " report individual bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus '' ( Letter from this courthouse attached with this complaint ). So, how is LexisNexis going to get this information verified? I also emailed XXXX who also indicated that they do " not contact consumer reporting and credit reporting agencies ( email confirmation attached with this complaint ). Is this all a scam? I demand that this public record XXXX XXXXBankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of the verification date. My rights have been consistently & repeatedly violated under the Fair Credit Reporting Act, just like the Civil Case No. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this public record and send me updated credit reports. Respectfully, XXXX XXXX ( proof of identity attached with drivers license and ssn card ).
06/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33177
Web
Good evening, XXXX XXXX Homeowner # - XXXX XXXX XXXX XXXX XXXX company pulled a credit report without my explicit authorization in order to increase my insurance premiums in retaliation for the Irma claim. The negative items on my credit file were due to a serious Illness XXXX-XX/XX/XXXX I was in and out of XXXX,, work and incurred a lot of expenses in addition to the economic downturn pay-cuts. I had to file Bankruptcy in XX/XX/XXXXover 4 years ago and it has been over 5 years since i had a late payment ( prior to Bankruptcy ). I pay everything on time and have -0- missed payments - So, I am not sure where XXXX XXXX XXXX is getting " recent '' delinquency from. The number of accounts established is the only way I can bump up my credit score and build credit, most of which have XXXX balances. There are -0- accounts under the code 0131 ... .That is false information under the LexisNexis they used without my authorization or consent. I can not dispute because they do not have the data online you have to wait until they send it to you. The derogatory record ( Chapter XXXX ) is from XX/XX/XXXX going on 5 years since it happened and 2 years before Irma ... I have had my insurance since 2XX/XX/XXXX and the recent claim 2 years ago was due to damage from a Hurricane which is not my fault, & to which XXXX XXXX did not agree to pay the full amount of the damages, so XXXX did not cover all the damages to my home and made me sign a release and paid a lesser than half of the damages provided by the Public Adjuster and with a lot of disputes & delay of almost 9 months to settle.. In addition to the deductible for repairs, I had to use funds I had saved up and other funds. I think this is retaliatory action against me for the Irma Claim which is unfair. I am sure I am possibly not the only one and this abuse needs to be harnessed and handled as they are attempting to abuse consumers with whatever means possible. It appears they are looking for ways to recover monies they had to pay for the Hurricane Irma claims by using any available loophole. This is possibly illegal, and at best, unethical. At this moment, my house is Hurricane Proof. It is unjust to raise premium by thousands of dollars by looking for an excuse to increase premium for claims XXXX XXXX XXXX had to pay out as a result of a Natural Disaster.. I will be reporting them to regulatory agencies so that your agency is aware of how the customers are being abused in order to cover the losses from 2 years ago, Irma. I do not appreciate their sending me a letter of RISK as I was a common criminal and irresponsible when they have no idea of all the things I went through fighting XXXX which caused me to file for Chapter XXXX XX/XX/XXXX. At this moment, my house is Hurricane Proof. It is unjust to raise premium by thousands of dollars by looking for an excuse to increase premium for claims they had to pay out as a result of a Natural Disaster.. I am reporting them to the Insurance regulatory agency as well so that you are aware of how the customers are being abused in order to cover the losses from 2 years ago, Irma. I do not appreciate their sending me a letter of RISK as I was a common criminal and irresponsible when you have no idea of all the things I went through fighting XXXX & when I have been a customer of theirs since XXXX.
03/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30528
Web
Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. XXXX reported late payments and increase of amount owed to XXXX XXXX XXXX XXXX. 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) 1681a ( 2 ) ( A ) ( i ) - Reported information can not be only transactions and experiences between the consumer and a company. 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX. Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. XXXX was not given the chance to opt-out of having this reported information about XXXX XXXX XXXX XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. PLEASE NOTE THAT EACH VIOLATION IS {$1000.00} dollars if you refuse to pay total amount you will be sued in federal court for 5 times the amount along with pain and suffering due to your INCOMPETENCE in reporting the correct information.Notice, it is a fact, affiant is aware, each requirement of the FCRA which XXXX XXXX XXXX XXXX fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making XXXX XXXX XXXX XXXX liable for each consecutive reporting shown also this account has multiple billing errors that have been submitted to the company.
05/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • MI
  • 48843
Web
XX/XX/XXXX I was made aware of an allegation that allegedly occurred in XX/XX/XXXX. This was the first I was made aware that Lexis-Nexis was communicating XXXX information that was egregious and false - from 11 years ago. A background check was completed and my employment was at risk given my position and scope of responsibilities. My field of endeavor has been how I have provided from myself for 30 years. The " incident report '' consistent of two paragraphs. There is insufficient information and no documentation provided to support this " blind '' report. In XX/XX/XXXX, when the report was filed, we were open for business and my name and phone number were provided on the application and I could have been contacted. I was never contacted nor given " my day in court '' - to defend myself. In my 30 year career, I have never participated in or perpetrated a fraud. I have asked for all the documentation that precipitated this report - and it has not been provided. I have requested that it be removed, because the requirements for file retention have long passed and I have no file to reference or present in my defense. ( This allegedly took place 11 years ago ). This has not happened. I have requested that alleged " fraud '' be removed, because the claim is wholly false, this has not happened. I have requested a list of all those that have been provided this report and this has not been provided. I had lengthy conversations with XXXX ( XXXX ) of Lexis Nexis and he last indicated he would pursue all of the above - and then I got an email closing the request with no recourse to reopen - and none of that which was requested was provided. I spoke with XXXX at Length ( XXXX with Lexis Nexis and he expressed ambivalence and never followed up on the items itemized above as requested by phone and in writing. He indicated that Lexis Nexis is not a CRS and not held to removing files after 10 years not are they required to vet with the accused ( Me ) any information. That " blind '' reporting is the right of subscribers. I was indignant and absolutely baffled that one can pay to " bully '' with false statements that can end careers. I had no idea that such a pay to disparage existed - without one 's day in court. I had written, called and made multiple efforts to resolve and the response is contact Lexis Nexis Legal in XXXX, GA - by mail. I am not an attorney, nor can I hire one to fight this giant. I have noted the 13 Million Dollar Class Action lawsuit to like situations. I am requesting your help and I hope over-sight for a system that allows anonymous/blind reports with making the accused aware, given the right of this constitution to face their accuser, not require the accuser to contact the defendant ( me ) - to vet the circumstance. Once a year all service providers and my employer will require a back ground check and I am expected to " resolve '' this finding. I need help with a fair, just and swift resolution to that which is not true, that which allegedly happened 11 years ago and to which I have just been made aware - and that my continued employment is predicated upon. I have no legal record - not even a speeding ticket. This really needs the power of the CFPB to develop minimal standards that align with our constitutional and legal rights. Respectfully, XXXX XXXX ( XXXX ) XXXX
04/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • 32821
Web
am truly losing my patience with the credit bureaus and how difficult it is to get something resolved. There are no humans beings doing the work all computers and still nothing being done There is a Bankruptcy that I have sent to all 3 credit bureaus to dispute and 1. they never sent a notice of dispute to Lexis Nexis as they should and just keep saying they have verified it. 2. LexisNexis has continuously ignore my request on how the information is being verified or respond to it When I pull the report XXXX reference is XXXX, XXXX XXXX and XXXX is XXXX. There have been no compliance codes added to XXXX or XXXX reports showing there was even an investigation in the first place on XXXX on XX/XX/XXXX Report and XX/XX/XXXX but now its gone and still no response from any of the Credit Bureaus or Lexis Nexis Complaint was filed with Lexis Nexis on XX/XX/XXXX XXXX XX/XX/XXXX I sent Lexis a dispute, XX/XX/XXXX they sent me a disclosure form I filled out and responded to by email at also sent it via regular mail. XX/XX/XXXX Responded that my account was verified and accurate using consumer # XXXX and case # XXXX which seem really fast to investigate this information in the first place XX/XX/XXXX I sent a letter back to Lexis asking them to reinvestigate and provide me the source of where they are getting the information and how it is they are verifying it is accurate. Under the FCRA resellers must provide the information within 5 business days of receiving the notice. This letter was also certified # XXXX that was received on XX/XX/XXXX. After no response from Lexis Nexis I come here to the CFPB to make a complaint # XXXX on XX/XX/XXXX. Where I attached all the information and documents so they have no more excuses. in which I got an Email from XXXX saying they needed my identity information which has been sent on many occasions along with the disclosure form filled out, valid driver 's license and a full completed compete of my W-2 form that shows my full social security number and the same address as listed on my drivers license. But yet again I still sent a hard copy DIRECTLY to XXXX XXXX on XX/XX/XXXX certified # XXXX that shows it was received on XX/XX/XXXX. But on XX/XX/XXXX there was an attached added to the complaint she updated an attachment stating that I have told her that I had identity theft and that she provided me a packet to fill out which is complete FALSE and never claimed that or received anything. Attached I have included all the letters sent to Lexis Nexis along with the copies of the mail receipts, valid Ids, disclosure forms and all the letters that have been sent and received. After closure of the complaint there was notice sent from Lexis Nexis in which I have attached -Date of the letter XX/XX/XXXX Consumer # XXXX will investigate and get back with me NO RESPONSE -Date of letter XX/XX/XXXX Consumer # XXXX Case # XXXX asking me to fill out the form yet again because they can not authenticate me? WHAT? I have gotten another disclosure why now I cant? The forms have been sent multiple times also the letter on dated XX/XX/XXXX saying they will research and get back to me. Today is XX/XX/XXXX there has been no update on this and also sent an email directly to XXXX XXXX with all the documents on XX/XX/XXXX and still no response.
11/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • GA
  • 30097
Web
There are XXXX claims on my ( XXXX XXXX XXXX and my wife 's XXXX XXXX XXXX XXXX clue report. item # XXXX XXXX XXXX, XXXX : XXXX seperate acidentes Reported on both reports item # XXXX XXXX XXXX, XXXX : Item never paid item # XXXX XXXX XXXX XXXX : Item unknown item # XXXX XXXX XXXX XXXX : Never insured by nor used this company. item # XXXX XXXX XXXX XXXX : Never insured by nor used this company. I called and filed a dispute on all of these items using case XXXX. Here are the issues : The basis of my dispute of the item # XXXX is that this was XXXX accident that occured and not XXXX seperate accidents. My wife accidentally backed into her parked car and a garage. This is XXXX incident and as such, should be XXXX claim and not XXXX. Attached please find a letter from XXXX dated XXXX XXXX stating such. If anything is should show ups as XXXX claim and not XXXX claims. XXXX. Secondarily, XXXX # XXXX shows on both XXXX XXXX and Kameka XXXX CLUE report. XXXX XXXX was not a policy holder nor the driver. Therefore, both claims should not up on XXXX XXXX clue report. Again, review the letter dated XXXX XXXX from XXXX and the second letter attahced from XXXX of policy dated XXXX XXXX. This should be deleted from XXXX XXXX XXXX report. XXXX. The claim from item # XXXX was never paid. We retracted the claim. XXXX. The claim from item # XXXX is unknown. We had no such claim and have no clue where this orignates from. We also have had not had insurance with the XXXX. XXXX. We have never had any claims in man and XXXX of XXXX and have never been insured by XXXX XXXX. We have not had any towing to any vehicle. Per XXXX, XXXX XXXX had XXXX days to respond to my intial dispute ( case XXXX ) and failed to comply. I called to initiate the dispute in XXXX. All items were in dispute. I then called seeking resolution on Monday XXXX XXXX. I was notified the dispute was open and I could call on Friday as XXXX XXXX had until Thursday to respond. I called back on Friday XXXX XXXX and was told the dispute was closed but there had been no resolution letter or response generated. They would have an individual call me once they figured out what occured and provide resolution. I did n't recieve a call back. On Monday XXXX XXXX I called again and spoke with XXXX who again told me there was no resolution letter generated and confirmed the 30 days had passed. I requested all of my data in question to be deleted per law. She stated she would call me back. After recieving a missed call about XXXX hours later, I called back and spoke with XXXX on XXXX XXXX and was told a resolution letter was now generated and it was read to me. He stated it would be mailed and emailed out to me. As of XXXX XXXX I have not received anything from XXXX XXXX. Per my conversation with XXXX I initiated cases XXXX and XXXX stating the resolution was not complete in the time allowed by law. Per law the items in question must be removed from my clue report as it took longer then what than the allowed time to respond. I have recordings of conversations and documents that substantiate my claim directly from the insurance company they claim to have been reporting for. These documents were not taking into consideration. How did they verify anything?
01/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WA
Web
CFPB CASES # XXXX this case was submitted as the 2nd complaint through CFPB. On the initial case investigation, XXXX representative never proactively reached out in requesting information and blantly lied in the very end regarding addressed. Case closed and no resolution no credit report mailed. On the most recent, CFPB only notified of 2 incidents, 1. LN was working on my file, no contact from LN at all, I never reached out or received any information from LN. 2. LN indicated I contacted them on XX/XX/XXXX? according to my record, LexisNexis sent me the following email on the XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX [ Incident : XXXX ] LexisNexis Consumer Support XXXX Sun XXXX XXXX XXXX Preview LexisNexis Customer Support Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days. Thank you for allowing us to be of service to you. To update your question with additional information, click here Subject Identifiers XXXX XXXX XXXX XXXX Response By Email ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. We apologize for the delay in response to your inquiry. Thank you for the address you provided. We have forwarded your request to the appropriate department for special handling. For further information, please contact the LexisNexis Consumer Center at XXXX XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. LexisNexis Consumer Center Customer By CSS Email ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) ==================== text File Attachment ==================== Attachment XXXX, XXXX bytes, Added to incident Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : Solved Escalation Due No Value Copyright XXXX LexisNexis Risk Solutions | Privacy Policy [ -- XXXX -- - ] 3. This was a 23 days apart, I never contacted NexisLexis. 4. On the letter LexisNexis provided to the CFPB office , LN said LN mailed me a copy for my reference. Then the next paragraph said LN tried contacting me on XX/XX/XXXX and unsuccessful. This is contradicting. LN multiple times referred to myself as Mr. XXXX ( correct ) then LN at the 2nd last sentence referred to myself as " her ''. " Additionally, if Mr. XXXX like a copy of hisfull file disclosure or further review of his file, we ask that Mr. XXXX provide a clear copy of hergovernment-issued drivers license or identification card along with a most recent utility bill or credit card statement as proof of her current address. '' 5. In the end, I am left confused , LN, did you mail it at all? or did you not? Clearly LN never investigated or performed any actions beside copy/paste and never released my report. This was ongoing since XX/XX/XXXX. First time my request was mailed ( per their word ) and I never received anything. Until today , LN still refuses to mail my report under my rights and CFPB 's made aware of this kinda behaviour.
08/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MN
  • 55303
Web
I obtained my LexisNexis credit report online. There is a U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed no credit bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Lexisnexis needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against LexisNexis. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
07/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 77221
Web
This complaint involves Lexis/Nexis AKA `XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These people were contacted on XX/XX/XXXX spoke with XXXX in the Consumer Center. XXXX stated he took my complaint, but never gave me a Complaint Number where I could check on the status of my complaint. I have reason to believe this agency has been working with the Insurance Companies in reporting bogus information on Consumers Driving Records without asking for supporting documents to verify the consumer actually was involved as reported by the Insurance Company, For instance, I have under my Motor Vehicle Report that I was involved in an accident on XX/XX/XXXX. This reporting has placed a negative affect regarding me purchasing Insurance for my XXXX XXXX XXXX XXXX has place an accident under my Driver 's License that the Texas Department of Public has been unable to locate. I ordered my MVR ans I have XXXX points and accidents has been cleared for twenty years now. Where is Lexis/ Nexis getting their information to report this Fraudulent information about me? I have gone back and froward with XXXX trying to get them to remove this bogus information, but has not been successful. I have questioned several other Insurance Companies regrading this behavior with XXXX and all has stated the same answer. Why would and Insurance Company report an accident that a person was not involved in? It not like the reporting Insurance Company will be collecting the amount of the higher premium, so what would be the main reporting purpose? This has been very Illuminating, causing me to not have insurance for one to two months at a time. The premium is quoted at a ridiculous price and my Driving Record is clear. All the Insurance Companies sees is what Lexis/Nexis has listed. There is also a report on my driving record from XXXX XXXX XXXX XXXX Why? There was no claim paid and the status has expired. This happen in XX/XX/XXXX, No police report was made, but a Fire Report was made. This was ruled as a non collision accident, but XXXX XXXX did not want to pay the claim. I need to look further into this due to this is still alive on my record and causing some problems then it can been further looked into as a legal matter. I had full overage on the vehicle and they refused to settle the claim. The last report is the Flood in XXXX in XX/XX/XXXX & XX/XX/XXXX. This is why I paid for Comprehensive Coverage due to any damages resulting as an act of XXXX. I was not at fault for that so why is that showing. I do not need to give any Policy number nor XXXX File # due to the report I have came from the XXXX database pulled on XX/XX/XXXX. This information is very current. I applied for Insurance with XXXX, XXXX, XXXX, XXXX XXXX, and varies other was quoted a ridiculous high amount. How can this be with no at Fault Accidents and no points in the last twenty years? I am a XXXX/ XXXX worker at a XXXX XXXX I must have a clean driving record to XXXX [ XXXX XXXX XXXX XXXX. I was question regarding the accident reported by XXXX XXXX last year until a MVR was rand on my license. This when I was advised to have this situation taken care of. So you see I have documents regarding this situation as ongoing since the beginning of XX/XX/XXXX..
10/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • 95688
Web
I have disputed with XXXX and XXXX Credit Reporting Agencies that the public record information of bankruptcy on my credit reports was not appropriately/offically verified through the bankruptcy court so should not be reported on my credit reports. How do I know that the information was not appropriately/officially verified through the bankruptcy court is that I have documentation from the bankruptcy court saying that they do not report to or verify court information with the Credit Reporting Agencies. I disputed this with XXXX and XXXX both in writing and through their on-line dispute processes. I also made a complaint through CFPB. Both XXXX and XXXX indicate that the information has been " Verified '' as accurate. They both use a third party vendor, LexisNexis to get this information, yet they do not provide specific evidence on how LexisNexis verified the information. They both overlook the fact that I have documentation from the bankruptcy court that says that they do not report or verify court information with the Credit Reporting agencies. Just this in itself should cause XXXX and XXXX to demand that LexisNexis provide proper evidence that they did infact verify this information through the court instead of taking their word for it and then reporting to me that it was verified. Also once this evidence is obtained from LexisNexis it is only fair and right that it is shared with me as proof.Without proper/offical verification from the court the information should not be put on my credit report as it is hearsay and it is an hugh injustice for them to put it on my credit report which vastly, negatively impacts my ability to get credit. SO THIS COMPLAINT IS ACTUALLY DIRECTED TOWARD LEXISNEXIS. I am disputing the validity of the public record information that they are providing to XXXX and XXXX as not accurately verified through the bankruptcy court, therefore they should not provide this information to the Credit Reporting Agencies to put on my credit reports. I also would like to question them on how the Credit Reporting Agencies can say that the information was accurately verified by LexisNexis when my documentation from the bankruptcy court says that they do not report or verify this information with the credit reporting agencies. LexisNexis should either provide the proper proof that the information was indeed verified through the court or contact XXXX and XXXX to indicate that it was not and have them remove from my credit report. I have not previously disputed this directly with LexisNexis as I have tried to dispute it with XXXX and XXXX to no avail, so at this point related to what level this has become, I am disputing this with LexisNexis via CFPB. LexisNexis can refer to the documentation from the bankruptcy court that will be attached to this dispute, uploaded documentation from XXXX and XXXX dispute responses saying that the information has been verified and the dispute letters that I sent to XXXX and XXXX. LexisNexis should not be providing information to the Credit Reporting Agencies that they did not properly verifiy as this severely impacts the credit and livelihood of people as a result of the negative information on their credit report.
09/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NH
  • 03060
Web Servicemember
I, Mister XXXX XXXX XXXX, a married man to my wife, XXXX XXXX XXXX as of XX/XX/XXXX am filing this Complaint against LexisNexis as they refuse to provide me with a FULL LexisNexis Report in accordance with the Fair Credit Reporting Act. I just received and opened an alleged LexisNexis link that shuts down every couple minutes and forces me to print the FRAUD mish mash of data that has removed specific identifying characteristics of my identity such as removing my birth date, my social security number, my gender, which male, my marital status is not shown which should be married, no emails, no cell phone history, etc. Regardless, I can not dispute a FRAUD mish mash of papers from LexisNexis as my consumer number and case number are required to be on each page, which this mish mash does not have. It is so bad that it can't be disputed as it is NOT a FULL LexisNexis consumer report which needs to contain the following reports, with my consumer number and case number on every page : 1. ) Produce my FULL LexisNexis Report ( s ) utilizing/inputting all of the Key Identification Characteristics of my identity for each report, as state above, for me, Mister XXXX XXXX XXXX, of XXXX XXXX XXXX, XXXX, NH XXXX, gender : MALE, marital status : MARRIED, birth date : XX/XX/XXXX, Social Security Number XXXX, cell phone XXXX, email : XXXX 2. ) As you know, a FULL LexisNexis Report includes the following reports : ( 1 ) XXXX XXXX Report for Auto : Summarizes auto insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of auto insurance underwriting. ( 2 ) XXXX . Report for Property : Summarizes property insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of property insurance underwriting. ( 3 ) Current Carrier Reports : Summarizes historical home and auto coverage information provided by participating insurance companies. It is used to assess current insurance coverage as well as identity gaps in prior underwriting. ( 4 ) XXXX : Provides attributes using public record data. It is used for insurance underwriting and insurance prescreening. ( 5 ) Traffic Violation Search : Provides search results from public records. It is used to asses applications and renewals of insurance underwriting. ( 6 ) XXXX XXXX : Provides search results from national court records regarding bankruptices, tax liens, judgments ( civil and criminal ). It is used to monitor developments that could affect a current account relationship. ( 7 ) XXXX XXXX XXXX : Provides search results from public records, including property and personal information. It is used by public assistance agencies to evaluate applications for government benefits. ( 8 ) Collections Descisioning Report : Provides search results from public records. It is used to determine a consumer 's ability to pay an oustanding debt. ( 9 ) XXXX XXXX XXXX XXXX XXXX : Provides search results from public records. It is used for underwriting life insurance. ( 10 ) XXXX XXXX : Provides search results from public records. It is used by lenders to evaluate an applicant 's ability and willingness to repay a debt.
09/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85013
Web
On XX/XX/2020 and on XXXX results of two reinvestigations I disputed were delivered to me from LexisNexis regarding several incorrect invalid items that were reporting on my LexisNexis Clue report. One item in particular that stood out was SECTION 6 RECORD NUMBER 1 on my credit file which is a Civil Judgement that is in someone else 's name. This particular item was also labeled as a bankruptcy Case on XX/XX/2020 after the results of the reinvestigation, but was reported on my credit file as a Civil Judgment. On XX/XX/2020 this item was then changed from being labeled as a bankruptcy to being labeled as a Lawsuit, Civil Filing, Judgment and Lien Record. LexisNexis also is displaying the incorrect Source of this invalid information on my credit file in SECTION 6 RECORD NUMBER 1. I have reached out to LexisNexis and sent all documentation concerning this error in their reporting as well. I have sent them all proof that they have the wrong persons information reporting on my file. I also have sent proof that the name in question is incorrect, but similar to my own. I have even sent LexisNexis my drivers license indicating the civil judgment can not possibly be mines because my drivers license was issued before this error in their reporting of the other person name. LexisNexis indicated that their Source of information was from XXXX XXXX Justice Court, which in fact, courts do not disclose information to 3rd party creditors or credit reporting agencies. I have have asked for the METHOD OF VERIFICATION twice from LexisNexis and twice have been denied and met with NON COMPLIANCE. After submitting my documents disputing these invalid items to LexisNexis, they have twice violated the Fair Credit Reporting Act by not providing me with their method of verification regarding the invalid items that i've disputed thus far. What they are doing is a violation of the FCRA. I was not provided Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report. I have asked the name of the person or persons or, if applicable, the trade name ( written in full ) under which such person conducts business ; and the the address ( s ) and telephone number ( s ) of the all individuals who procured the report and conducted the investigation. Twice I have asked LexisNexis for their method of verification as stated in the Fair Credit Reporting Act and have not gotten a response. As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know that information that verifies the information in your credit report is supposed to be in the files of the credit bureau, not the creditor. This is the Information that the credit bureaus are supposed to store in their database on every consumer. As well as 609 ( c ) ( E ) I am asking the Consumer Financial Protection Bureau to investigate the non compliance by LexisNexis and the disputes that i have submitted.
05/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • DC
  • 20020
Web
On XX/XX/2022 I sent Lexis Nexis asking proof of how, did they verified information was accurate, and who gave the permission to share my bankruptcy information with the XXXX credit bureaus, and I have letter from the courts, which I'll attach stating that do not share my information with no credit bureaus, and also on credit bureaus the information is incorrect dates, are wrong, locations, and etc. I will attached the correct information as well. I will attach my credit report with wrong dates, location, case number. This is violation of the Privacy Act Disclosure without consent Rule U.S.C 552a ( b ). As of today, I haven't receive a response back from Lexis Nexis. Below is the letter I sent. Dear LexisNexis : I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you this information as they explicitly stated they don't report information to anyone. But I guess you use XXXX to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting regarding the bankruptcies are extremely inaccurate. They were both DISMISSED and never DISCHARGED and the dates are wrong! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that one can simply snoop around and report half truths and cause so much distress. Also, to make this even easier on you, I have included a copy of the court records from XXXX with the correct dates showing that these were DISMISSED and not XXXX. Creditor : Account : Reason : Failure to respond will result in complaint to the CFPB, FTC, as well as XXXX. I know my rights and right now you are violating them with this incorrect information. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX enacted XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. Again, I would like this information removed from your system asap and once it's removed. I would also like a copy from the report confirming its removal to XXXX, XXXX, and XXXX since you have provided them with negative information to begin with.
12/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MN
  • 55303
Web
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. XXXX XXXX XXXX XXXX XXXX and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to XXXX XXXX XXXX XXXX XXXX and U. S. Bankruptcy Courts confirmed no credit bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. LexisNexis needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against LexisNexis. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
03/16/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Public record
  • GA
  • 30909
Web
XXXX, XXXX, and Equifax has not provided the information I requested To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX, and Experian. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax, XXXX to date.I am requesting your assistance in putting an end to this matter. I am requesting the removal of bankruptcies ( below ) on my Equifax credit report due to Civil Case No. XXXX, XXXX v. Equifax Information Service , LLC, I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. They have yet to provide the information I been asking. I called XXXX XXXX and a lady name XXXX they do not have the right to obtain any information without my permission. I also sent a letters informing them that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. They responded account verified without any proof. I trying to fix my credit situation and they are constantly giving me the run around, and are not providing the information I asking for. Can you please help.
07/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60707
Web
This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, XXXX major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send me a physical paper copy of my credit report. I have called them consistently requesting a paper copy of my report. They have sent documents to my daughter and I requesting that we sign into a website and submit a pin number to access the files. The pin number doesn't work. WE WANT A PHYSICAL COPY OF THE REPORT! NOT ACCESS TO THE REPORT ONLINE! WE DO NOT HAVE A COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CONSUMER REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY!
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37205
Web Older American
There are XXXX Chapter XXXX Bankruptcies on my credit report with XXXX and XXXX. XXXX was filed in XX/XX/XXXX. I got a letter from the Bankruptcy XXXX in XX/XX/XXXX, and I told them that this was not mine. They dismissed it. In XXXX of XXXX, another case was apparently filed. I never knew about it because I had moved out of XXXX. That case was dismissed in XX/XX/XXXX. No paperwork was ever filed, and no debts were ever provided to the court, there are no creditors. I never had any debts or issues where I would need to file bankruptcy. I was the victim of major identity theft in XXXX and I have removed all of the fraudulent items on my credit reports with your help. XXXX items to be exact. XXXX has a fraud alert and they are aware of the other fraudulent charges that were removed, as does XXXX. When I ask them to block these XXXX items according to XXXX XXXX ( XXXXXXXX XXXX section XXXX ) they refuse. They say they validated and verified the items with LexisNexis. When I ask them to verify the Public Record in multiple letters and request documents to verify these items and the names and phone numbers of who they spoke with at the court, the actual finisher of the data, they respond with LexisNexis. I contacted LexisNexis and asked them for the same details, they responded with it is listed on XXXX. I responded with, I do not care where it is listed, I want documentation. No response. I contacted the Bankruptcy Court and they sent me a letter confirming that they do not supply information to the credit reporting agencies. They also state that they can not confirm the existence of these items. They have no jurisdiction over credit reporting agencies, the XXXX XXXX XXXX section XXXX does. They suggest I contact the XXXX XXXX XXXX XXXX XXXX. I did. I filed another identity theft report and sent that to the XXXX XXXX. No response. I have disputed these items at least XXXX times with each XXXX including LexisNexis. I was under the impression that to verify an item as legitimate on a credit report, the XXXX has to, after they waste everyone 's time with XXXX actually contact the furnisher? Am I wrong? If they do not, must they remove the item? They claim a wage earner plan filed, I would love to see it, it can not exist. In the meantime, I have been denied credit, charged outrageous fees, and interest all due to these fraudulent items, both due to fall off in less than a year. I am the CEO of a company that is funding a new factory in XXXX XXXX for {$120.00} XXXX. I am also a XXXX XXXX owner of that company. I can't tell you just I have had to explain this to the investors and how annoying this has been. If there is no way to resolve it, what a great way to attack your rivals in business, just file bankruptcy in their names, in a different state, and the names of the collection agency owners and the CEO of the XXXX XXXX. I assume that would be illegal, yes? I am unable to figure out what to do next. Short of having my law firm sue everyone. Please advise me on how to resolve this never-ending nightmare. Thank you, XXXX XXXX.
05/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 93560
Web
LexisNexis Consumer Service shows a Tax Lien on my credit report. I do not have ANY Tax Lien. I DISPUTED the information with LexisNexis Consumer Service on XXXX XXXX, 2017 via USPS certified mail return receipt. Asking them to VALIDATE the information in accordance with the Fair Debt Reporting Act. I have not heard from LexisNexis Consumer Service, nor did they mark this information ad DISPUTED. I sent another letter dated XXXX XXXX, 2017 via USPS certified mail return receipt. informing LexisNexis Consumer Service by not responding to my original letter dated XXXX XXXX, 2017 LexisNexis Consumer Service have not only violated federal law, but they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate Lien/ Judgment on consumer report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you WILL BE required to appear at Superior Court of California , XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX California XX/XX/XXXX if the said information is not removed from my consumer report IMMEDIATELY. I will be seeking {$3500.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act LexisNexis Consumer Service. Has failed to validate said Liens/ Judgment Failure to remove item off consumer report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. Based on your response to the FCPB will determine my next actions. Information also needs to be updated with XXXX and XXXX. Verification according to XXXX 's Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also, it goes on to say, " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ; and XXXX v. XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To break it down into language you can understand, verification is sworn testimony. It can be testimony in a deposition or in court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand knowledge. A court clerk does not have firsthand knowledge nor does the county recorder, nor does anyone at the credit bureaus, nor does Lexis Nexus, the main public records source for the credit bureaus. If someone verifies but they do n't have first-hand knowledge, then its not verification, its Hearsay. And hearsay is inadmissible and the court says its incompetent.
01/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75044
Web
This has been going on for about over a year and a half now. XXXX still has not resolved the identity theft. This started when my wallet was stolen. My identity was used to open numerous accounts, XXXX was notified of the identity theft. I have attached Police Reports and Identity Theft Affidavits to the numerous Consumer Financial Protection bureau complaints. XXXX refuses to read the Law enforcement documentation provided in my CFPB Complaints. When I call up they Force me to verify fraud on my XXXX report as if it were my accounts or they won't speak to me. These are not my accounts. I am going to list off the things XXXX refuses to block even though they were notified and provided the proper law enforcement documentation clearly describing the crime that took place. XXXX refuses to resolve this ongoing fraud situation. In addition to that XXXX still has my wrong address after being notified over 15x. First thing is I have never opened any accounts with XXXX. This account is fraudulent, not authorized and I never received the card. Secondly, The XXXX XXXX XXXX XXXX account which is a credit card account shows as XXXX limit. This account is fraudulent, The limit is incorrect also I spoke to this institution which advised me the limit was supposed to have been {$15000.00} when I advised them of the fraud they say they resolved this and sent info to the credit bureaus to delete this however XXXX refuses to delete it. Third. XXXX XXXX XXXX XXXX. I have not authorized any accounts with XXXX XXXX XXXX XXXX, In fact the last payment made was made from a person named XXXX XXXX, and Their banking institution told me that that credit card ended up being fraudulent too. Obviously I am not receiving anything from this company this is clearly fraud wasn't even opened in my name. Please Block this account. I did not authorize it. Lastly there is accounts from XXXX XXXX, and XXXX these are fraudulent accounts. I did not authorize any auto loans with XXXX XXXX, I did not authorize membership with XXXX XXXX I never signed anything for XXXX XXXX, never received any documentation from XXXX XXXX and never authorized any accounts to be opened with their institution. The line of credit, and Auto loan you show are fraudulent. In addition to that there are two Installment loans showing for a XXXX. I did not authorize these to be opened. I do not have membership to XXXX it requires you to be part of the military or in a military family. Which I am not. So clearly I couldn't obtain membership there because I wouldn't be able to qualify. I did not open these accounts these are again the result of identity theft. All of these accounts were opened after my wallet was stolen and my identification was stolen. XXXX refuses to block these fraudulent accounts. Also XXXX is reporting an address I don't live at. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX this is not my address. In addition to this XXXX supplies this information to LexisNexis, Which is reporting this fraudulent information as well and has not worked with me to resolve this crime.
08/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 34476
Web
I submitted a method of verification request to LexisNexis on XX/XX/2019. On XX/XX/2019, LexisNexis informed me that I would receive my method of verification into my erroneous bankruptcy information that they are reporting within 7-10 days. LexisNexis admitted to illegally using my social security number without my authorization to obtain certain information. LexisNexis has also claimed that certain divisions of their company are not considered actual CRAs. Please see the details listed below. 1. The FCRA only allows 5 days for this request. LexisNexis is therefore in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 2. The request still has not been fulfilled as of 08/15/2019. LexisNexis is once again in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 3. In a previous correspondence with the CFPB and myself, LexisNexis admitted to using my whole social security number to allegedly access files about me in the PACER system. LexisNexis gave a vague description of where they obtained my social security number and furthermore, was never given my permission to use my social security number as I had no business or contract with LexisNexis. This is also in violation of federal identity theft laws. 4. LexisNexis has stated in the previous CFPB complaint reply that their division that gathers public records is not a CRA, and therefore is not subject to the FCRA laws. Please reference the following ( specifically section ( p ) ( 1 ) : 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file, '' when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. And take a look at this one closely, how and the XXXX can they tell you they are not a CRA, it says they are right here. ( p ) Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis. The term " consumer reporting agency that compiles and maintains files on consumers on a nationwide basis '' means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
07/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • FL
  • 33415
Web
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. Thank you, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
12/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • 33684
Web
On XX/XX/XXXX I sent faxes to XXXX ( Fax Number XXXX ) and XXXX ( Fax Number XXXX ) to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. The following bankruptcy entries are inaccurate and unverifiable : Account # XXXX Reported XX/XX/XXXX Account # XXXX Reported XX/XX/XXXX Both XXXX and XXXX responded back stating the bankruptcy is accurately reporting based on third party data provider LexisNexis. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX and XXXX have yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. When I contacted Lexis Nexis they stated that they got the information from United States Bankruptcy Court. This information is false. I received a letter from the United States Bankruptcy Court Georgia XXXX District stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' The Credit Reporting Agencies have failed to properly provide any viable evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. After receiving the letter from the United States Bankruptcy Court Georgia XXXX and LexisNexis response to my inquiry, I attempted to contact XXXX and XXXX again. I sent XXXX a detailed letter outlining the situation, actions I had taken to remedy the situation ( filing a police report, Identity Theft report, etc ), and requesting that they reinvestigate the accounts. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by XXXX. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by XXXX. Again, I received the same responses from the Credit Reporting Agencies as explained above. The exact same response. I am not sure what else I am supposed to do at this point. XXXX knows there is an identity theft issue with my credit file since I am unable to verify my own identity through their checks and balances, which prevents me for getting healthcare coverage, insurance, and requires that I send a ridiculous amount of paperwork in the mail just to get a copy of my own credit report. This situation has been absolutely maddening. I hope desperately that you can help.
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85086
Web Servicemember
YOU BROKE THE LAW Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ALL Bankruptcy information ref # s XXXX, XXXX, XXXX, XXXX, XXXX currently showing under XXXX XXXX and all variations of my name and social security number is to be PERMANENTLY DELETED, SUPRESSED & REMOVED from all consumer reports immediately.
06/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10030
Web
I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, XXXX XXXX BANK ( XXXX XXXX XXXX. doing business as XXXX XXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXXXXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of XXXX derogatory remarks on XXXX, XXXX and XXXX. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has committed XXXX violations. The account with XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ). After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXXXXXX alleges to be original and current creditor 15 USC 1692e : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX alleges to be the original and current creditor, Again on XX/XX/XXXX the company has again placed a derogatory remark with XXXX, XXXX, and XXXX dropping my on time payment from 100 % to 0 %.
07/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46239
Web
My name Is XXXX XXXX and this is my formal notice of complaint against LexisNexis for furnishing information to the credit reporting agencies XXXX XXXX XXXX without my permission. This has been an invasion of my right to privacy and is causing me XXXX XXXX, XXXX, and inconvenience. I have reached out to LexisNexis on several occasions to resolve this issue and my requests have been ignored. According to the Fair Credit Reporting Act, in order to furnish the alleged XXXX XXXX XXXX LexisNexis would need to be able to both VALIDATE and VERIFY my information with the original creditor. XXXX XXXX XXXX XXXX has assured me it is not within their policies or obligation to validate any public records via correspondence they provided me with via postal mail, please see the attached exhibits. So how was this information validated and verified? Pursuant 15 U.S. Code 6821 ( a ) -Prohibition on obtaining customer information by false pretenses. by providing any document to a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. Also by providing any document to an agent of a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. LexisNexis claimed to have reviewed my previous requests for validation and verification in which they mailed a resolution letter with an updated copy of my LexisNexis file on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attached exhibits ) ... and is somehow still requesting that I authenticate my identity .... If LexisNexis is unable to authenticate my identity then HOW in the world were they able to provide me with resolutions to my previous requests? Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice. Give customers the opportunity to opt out from having their information shared in certain situations. I was NEVER given the opportunity to opt out of having my information furnished by LexisNexis. I am aware that XXXX, XXXX and Lexis Nexis may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable if they do not delete these items immediately from my credit reports. I am also aware that this may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnish this alleged bankruptcy. Please review the attached Exhibits that support my claims.
06/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 35211
Web
To Whom It May Concern On XX/XX/2020, you alleged that you " verified '' a bankruptcy because it matches an address that I've never lived at. You also claim that it is verified because of the last 4 digits of a social security number. You cant verify someone with 4 out of 9 digits of a social security number. Since youve already conducted your investigation I am requesting proof that you have investigated this matter and the people youve spoken to directly. I also need signed documents and anything with my ACTUAL address on it. Otherwise, you are lying about an investigation and violating my rights under the FCRA. You mentioned you obtained this incorrect information from Pacer. I created my own Pacer account and discovered the case number you have on my report with Pacer has someone elses address. Pacer says this account belongs to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. I keep providing proof that my address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. Also, Pacer does not give the entire social security number. It just says XXXX. How can you complete a thorough investigation in accordance to the FCRA when Pacer has someone elses address and doesnt have the entire social security? REMINDER : Simply typing in my name into a database that has inaccurate information is NOT an investigation. You did not conduct a thorough investigation. If you did you would know that there is someone in the XXXX area with the same first and last name as me who is XXXX and married. I provided proof of this and you ignore it for no reason. I am asking you to adhere to the law and provide me PROOF of an investigation. Meaning : People youve talked to and their contact information, documents with my signature, documents with my actual address. If you can not produce these documents than you MUST delete this from my credit report. According to FCRA Section 5 ( a ) ( i ) If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; Your investigation resulted in an inaccurate address and an incomplete social security number. You also never produced any documents with my signature or drivers license on it. Attached is a background site saying there is someone of a different race and marital status with the same name who lives at the alleged address Attached is my driver 's license with my actual address Attached is a bank statement with my actual address Attached is proof that Pacer has an address that isn't mine and an incomplete social security number Attached is a letter from Bankruptcy Court saying the information you have didnt come from them Attached is FCRA saying you must keep accurate and complete information
11/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33054
Web
This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes. Upon review of my consumer report, I found an item that is inaccurate or questionable. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : FLORIDA XXXX XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The XXXX XXXX, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this bankruptcy that you are reporting in my credit report. NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of this bankruptcy then please delete this immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my consumer report and distributing them to credit bureaus you are damaging my reputation and creditworthiness and I will seek damages if they are not removed and you are unable to provide the necessary documentation. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this bankruptcy within 30 days of receipt of this complaint then you must remove these accounts from my consumer report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of Florida. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. Please provide me with a copy of an updated and corrected consumer report showing this bankruptcy item DELETED. I demand the following accounts be properly METRO 2 COMPLIANT verified WITH EVIDENCE or removed immediately.
04/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • TN
  • 37209
Web
On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - XXXX ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and LexisNexis has certified the bankruptcies filed were confirmed as being accurate. XXXX the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying LexisNexis the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. XXXX sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating LexisNexis has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information LexisNexis, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. LexisNexis had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. I printed a copy of my LexisNexis file, and the bankruptcies were removed I provided a letter from LexisNexis dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and XXXX ) verifying information with LexisNexis the furnisher of information that doesn't exist according to LexisNexis. Unless each CRA can provide to me a copy of their investigation via LexisNexis, that will show a valid and confirmed investigation report with LexisNexis confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or LexisNexis is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and LexisNexis. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.
07/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • TX
  • 75672
Web
Was denied credit and the denial letter stated that LexisNexis reported a judgment. I requested my consumer file on XX/XX/XXXX. I received that entire file dated XX/XX/XXXX and found several errors. Incorrect spellings ( unknown ) of my name, incorrect ( unknown ) addresses, and two judgments one of which had one of the incorrect spelled names ( unknown ). I contacted LexisNexis via phone call on XX/XX/XXXX. I went through my file page by page line by line disputing incorrect information and was assured that it would be correct and that I would receive an updated report within 30 days. I received my Results of Investigation file on XX/XX/XXXX and realized that nothing was removed. I call and spoke with another rep ( a guy ) this time and went through my file again line by line, page by page and asked him how was this judgment verified. he insisted that it was Public Records and that was how they verified it via that database. I told him that I had spoken with the courts and the clerk could not find any judgments for me after I had given her my drivers license number, my social security number, and my full name. He informed me that he would open a Reinvestigation and forward it to the ESCALATION Department. On XX/XX/XXXX I received a third copy of my file and again nothing was deleted or verified. I then sent a certified letter asking for verification method, the names and phone numbers of people they may have contacted to verify and listed every error in detail with the page number in which they could be found. Again, I asked that this incorrect unverified information be removed. I received a response dated XX/XX/XXXX that said everything was verified and that I should contact the courts and have them update their system. I called the Justice of Peace XXXX XXXX - XXXX Court and spoke with XXXX ( XXXX ) and was told again that there was no way to verify the judgments that LexisNexis is reporting because those files were in " storage '' and that some one would have to physically go retrieve them and that the judge is the only person that could do it because these are personal confidential files. I called LexisNexis again on XX/XX/XXXX and spoke with XXXX and asked how was this verified and she told me the same thing about it coming from Public Records but when I ask what Public Record if the court that they say has the judgment is telling me that they do n't have verification to provide me how is it that LexisNexis is getting verification? She told me that she would open ANOTHER Reinvestigation and forward it again to the ESCALATION department. I sent another certified letter on XX/XX/XXXX asking for written proof of verification and for the unverified information and incorrect names and addresses to be removed. I have denial letters for Insurance Coverage from XXXX and denial letters for car loans with reasons being adverse information provided by LexisNexis.
01/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60707
Web
XX/XX/XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX To Whom It Might Concern : I might have signed into one, or all of your websites within the last 12 months for the sole purpose of obtaining a FREE copy of my credit report, FREE credit score, to add, lift or confirm that a FREE security freeze was added to my personal profile and to request that ALL incorrect, disputed items are SUPPRESSED from my profile. I was forced to use your online methods either because you failed to honor my requests over the telephone, in writing via U. S. Mail or Fax! I have also filed countless requests online with the CFPB website only to still be denied my consumer rights. I have since contacted an attorney who will be contacting each of you individually shortly! This letter is to confirm that each company listed in this letter should have a FREE UNLIMITED security freeze placed on my profile effective immediately. DO NOT ALLOW OR HONOR ANY FUTHER CREDIT APPLICATION REQUESTS WITHOUT MY CONSENT! This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO SAVE, STORE, SELL, SHARE, MARKET, SOLICIT or PROMOTE any of my personal information including a name, address, phone number, email address, employer, income, etc. This letter is to confirm that I am requesting to be OPTED OUT OF INFORMATION SHARING, MARKETING, BINDING ARBITRATION RESTRICATIONS, CLASS ACTION OR REPRESENTATIVE, INIATION ARBITRATION RESTRICTIONS, SUING YOU IN SMALLS CLAIMS COURT RESTRICTIONS, PROMOTIONAL OFFERS, INFORMATION STORING, LITIGATION RESTRICTIONS. This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO STORE, SAVE, SHARE, SELL or contact me via EMAIL OR PHONE NUMBER! ALL CORRESPONDENCE INCLUDING DISPUTES, CREDIT REPORTS, CREDIT SCORES, SECURITY FREEZES, SUPPRESSION, CHANGES, ETC SHOULD BE SENT THE ONE ADDRESS THAT I HAVE ON FILE! I DO NOT GIVE YOU PERMISSION TO CONTACT ME IN ANY OTHER MEITHOD! I have also NOT been able to access my credit reports via the Annual Credit Report website because XXXX requires an email and phone number to gain access. I do NOT have an email or phone number listed on my credit reports or profiles and do NOT wish to add one at this time! This restriction is considered discrimination because everyone does not have access to the internet or a cell phone. But should STILL be able to access their credit reports via online or telephone. I am requesting that each creditor listed on this letter, mail me a FULL, COMPLETE, PRINTED copy of my most recent credit and consumer report to the address that is listed at the top of this letter! Thank you so much for your immediate attention to these matters!
07/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28403
Web
XXXX has information in my credit report that is not correct due to their linking another individuals derogatory credit with mine. I have made numerous attempts to get this issue resolved. I am continually told by XXXX that they can not remove the disputed, derogatory items ; even after I have disputed the items several times and have given XXXX the correct information. This was done some years ago and they have once again created the same issue. XXXX has sent the individuals information to my address as I am certain the individual has been sent my information. This has caused a very negative situation for me on my credit record and is indeed creating issues in every aspect. This individual has many, many collections against them. This individual has not been a responsible creditor. I have always handled my credit responsibly. I have also found out that this person is linked to my XXXX XXXX XXXX ; causing false reports about accidents for my vehicle with XXXX. I have requested to speak to supervisors and continue to be told the file is being sent to maintenance to get the issues resolved. I was also promised someone would send me information or a call back. I have yet to hear from anyone, unless I initiate the call. The individual that is linked with my credit lives in XXXX, NC. I live in XXXX, NC. We have some similar information, yet there are many differences that should be distinguishing. On XX/XX/XXXX, I spoke with XXXX XXXX who stated that the file had been sent to maintenance for investigation ; I was instructed to call back XX/XX/XXXX. I called again XX/XX/XXXX, this time speaking to another supervisor, XXXX, who promised to follow the issue until resolved and personally call me back. XXXX said she saw what the problem was and understood my frustrations. I never heard anything more from XXXX. On XX/XX/XXXX, I spoke to XXXX, who stated the file was being sent to maintenance. XX/XX/XXXX, I called each of the disputed creditors and was told by each one that they had nothing on me ; my name nor social security number was not in their database. I was told that this was an error on XXXX part and they would have to correct it. I was also told that XXXX was not going to call the creditors ; they would just send the information that was disputed. XXXX has continually sent the information attached to my name without separating the names causing the disputed bills to remain linked to me. XX/XX/XXXX, I spoke to another supervisor who stated there was nothing that could be done to remove the information until the investigation was complete and the reporting companies okayed the removal of the disputed items. I informed the supervisor that I had spoken to each of the reporting agencies and their responses, yet to no avail. I will send documents that will reference all of the above. Hopefully, the dates and documentation is visible.
08/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NH
  • 03060
Web Servicemember
I requested my FULL FILE DISCLOSURE report from Lexis Nexis and received a letter with a link to obtain my file on-line. The Lexis Nexis report is so bad that I can not even begin to dispute except to say that I am NOT receiving a FULL FILE DISCLOSURE report from Lexis Nexis to include the following reports : ( 1 ) XXXX . Report for Auto : Summarizes auto insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of auto insurance underwriting. ( 2 ) XXXX XXXX Report for Property : Summarizes property insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of property insurance underwriting. ( 3 ) XXXX XXXX XXXX : Summarizes historical home and auto coverage information provided by participating insurance companies. It is used to assess current insurance coverage as well as identity gaps in prior underwriting. ( 4 ) XXXX : Provides attributes using public record data. It is used for insurance underwriting and insurance prescreening. ( 5 ) XXXX XXXX XXXX : Provides search results from public records. It is used to asses applications and renewals of insurance underwriting. ( 6 ) XXXX Report : Provides search results from national court records regarding bankruptices, tax liens, judegments. It is used to monitor developments that could affect a current account relationship. ( 7 ) XXXX XXXX Report : Provides search results from public records, including property and personal information. It is used by public assistance agencies to evaluate applications for government benefits. ( 8 ) XXXX XXXX Report : Provides search results from public records. It is used to determine a consumer 's ability to pay an oustanding debt. ( 9 ) XXXX XXXX XXXX XXXX Report : Provides search results from public records. It is used for underwriting life insurance. ( 10 ) XXXX Report : Provides search results from public records. It is used by lenders to evaluate an applicant 's ability and willingess to repay a debt. I do have a XXXX Auto Report and it has a FRAUDULENT person named XXXX XXXX, XXXX XXXX XXXX, XXXX, NH with an insurance company PA XXXX XXXX XXXX XXXX date XX/XX/2019 for {$390.00}. This was reported to the XXXX, NH Police Department as FRAUD and identity theft by my son, XXXX XXXX XXXX, age XXXX and it is now appearing on my Lexis Nexis Report. This is criminal to continue to report previously disputed items and now appearing on my XXXX XXXX report. All of the above reports are NOT provided to me and instead, I am receiving a mish mash of data. Please be advised that I video-tapped the entire file obtained from this Lexis Nexis link to prove how bad this report file is. It is definitely not pulling from public databases as there is so much information that is missing and so much information that is wrong.
04/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 62090
Web
I, XXXX XXXX, a federally protected consumer, am filing this complaint against LexisNexis for violating my rights as a consumer and not responding to a letter sent to them on XX/XX/2022. ( attached labeled as Exhibit A ). After viewing my consumer report, I find that two U. S. Bankruptcy Court items listed/being reported. Per the FCRA 623 ( a ) ( 5 ) : " If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. U. S. Bankruptcy Court of MO and U.S. Bankruptcy Court of IL has both mailed me letters ( attached labeled as Exhibit B and Exhibit C ), which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies and/or other third party providers who collect personal information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the FCRA PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed that LexisNexis has NEVER validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are not liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by the third party sources unaware to the consumer. Considering the information indicating multiple FCRA violations, I need all bankruptcy information DELETED from my credit report immediately. LexisNexis needs to provide me with copies of ALL DOCUMENTATION associated with the Public Record Accounts bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file that LexisNexis maintains under my name and social security number. Per Federal Law, LexisNexis had 30 days to complete the investigation as outlined per FCRA 623 ( a ) ( 3 ). Also per the FCRA Section 609 ( a ) ( 1 ) ( a ), LexisNexis is required by federal law to verify through physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT and/or judgement ( s )- all accounts and public information that they post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public records information is not deleted from my credit report within the next fifteen ( 15 ) days, I will be filing a complaint with my State Attorney General and also contacting my lawyer to file small claims actions against LexisNexis for 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the FCRA and CFPB.
02/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AR
  • 72034
Web Servicemember
On XX/XX/2022, I requested my report from LexisNexis to compare it with the credit bureaus. I requested it online and was informed that the report would be mailed out in 2 weeks. I have yet to receive the report. I then started calling all 3-credit bureaus to dispute any information that was received by LexisNexis due to them providing me with my personal information. All complied and XXXX immediately removed my information and XXXX put everything into dispute. XXXX on the other hand explained to me that the bankruptcy that existed on my credit report is public information. I informed the CSR XXXX that I was fully aware of that, however, how did they obtain the information since the credit bureau 's get reported too and do not go fishing for consumers personal information. She never told me where the information came from. I then informed her that I had seen on their website that they are partnered with LexisNexis and asked her was that where the information came from and she finally replied, yes. I went on to tell her that since XXXX uses them as a third-party vendor that my credit report should be cleared from negative reports that LexisNexis has provided them because they are not abiding by the Fair Credit Reporting Act. She then goes on to argue with me and ask me did I had filed bankruptcy or not. I replied, the fact of whether I filed or not is not the question being asked by me. I informed her that my information that LexisNexis obtain was not given to me as requested and that is a conflict with the information that is reporting on my credit report because I was violated my consumer rights and all negative information should be cleared due to this factor. I ended up speaking with a supervisor and she informed me that they will need to contact LexisNexis and dispute the bankruptcy information and will have a response available within 30 days ( about 4 and a half weeks ). I requested from the Supervisor XXXX that ALL negative/damaging information that was provided by LexisNexis should XXXX deleted because I was not given my requested personal information, which violates my Fair Crediting Report Act. After completing my call with Supervisor XXXX, I then tried to call Lexis Nexis regarding clearing any derogatory information given out to all 3-credit bureau 's due to the report was never received and this was in violation of my Fair Credit Reporting Act. However, the customer service number has so many loopholes it does not give you the option to speak with a customer service representative. Although, the customer service number indicates on the recording that there might be a longer than normal wait time. This really concerns me that a credit bureau can play with consumers credit using 3rd party vendors that you can not only receive requested information from but can not reach either.
02/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89144
Web
I have been trying to resolve this unverified bankruptcy entry with XXXX, starting with my correspondence starting from XX/XX/XXXX till XX/XX/XXXX to no available remedy from XXXX. XXXX has made claims several claims that this information has been verified by its 3rd party vendor LexisNexis, with no other details provided to me. With that response from XXXX, I contacted LexisNexis and asked them to verify this information, by obtaining the records this vendor had. LexisNexis could not show or prove that XXXX had contacted them or verified this bankruptcy as XXXX has claimed. Bankruptcy information was never found in my consumer disclosure report that LexisNexis maintains. LexisNexis conducted their OWN independent 30-day investigation, sent the information of their finds as a dispute on my behalf to ALL 3 credit reporting agencies. XXXX, did not respond, but removed the information, XXXX, responded with documentation to LexisNexis stating a removal of the bankruptcy, XXXX did not respond to me nor LexisNexis. Despite this information FROM LexisNexis and additional information provided to XXXX by their third-party vendor, the unverifiable information remained. XXXX, did not properly take the correct steps to verify and correct the information, which they are reporting pursuant to it obligations under the FCRA. Under the FCRA, the investigation. a credit reporting agency undertakes must be a reasonable one. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), XXXX was required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. According to XXXX " verified '' means that the company, ( in this case vendor ) that reports the information to XXXX has certified it reported accurately. However, this is not the case, LexisNexis DID not verify to XXXX that this information was verified. A letter was sent to XXXX on XXXX XXXX requested their Method of Verification, which by law I am obligated to ask for and shouldve received, since XXXX verified with LexisNexis . That information as not provided to me, I was told to look in the Public Records section of my credit report and find that information. This DOES NOT constitute as proper Method of Verification according to the FCRA. Also XXXX sent another letter in the same envelope that they couldnt verify my identity to provide me the information that I was requesting, so why did XXXX instruct me to look at my Personal Records section of my credit report and state they would not reinvestigate this information, which was NEVER investigated to begin with?
07/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33716
Web Servicemember
To whom it may concern : Upon receiving my consumer report from LexisNexis, I noticed that they are reporting a Bankruptcy under the file they maintain under my social security number. On XX/XX/XXXX I sent a them a letter via certified mail, return receipt requested, in which they received and signed for on XX/XX/XXXX. In this letter I requested validation and verification in accordance with FCRA guidelines. I did not receive their response until XX/XX/XXXX in which they sent me a letter that simply stated it was verified as accurate FCRA requires credit bureaus and consumer reporting agencies to have a response in the consumers hand by the 31st day from receiving the initial dispute. This in itself is a violation of FCRA. I then sent another letter on XX/XX/XXXX in which they received and signed for on XX/XX/XXXX requesting verification per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. In the meantime, I also obtained a letter from the florida bankruptcy court which clearly stated that they do not provide any information to the credit bureaus. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that they verified this bankruptcy as accurate is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. LexisNexis has not responded to my last request. It has now been 46 days and still no response. This is a direct violation of FCRA. I know that there is not a Bankruptcy that they can validate or verify as reporting accurately, and have violated FCRA by not responding and verifying the challenged information within 30 days. therefore they must delete it from my file and stop selling/reporting this information to Credit bureaus and other 3rd party consumer reporting agencies
02/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • NM
  • 87106
Web
Repeated Problem For a MANAGER XXXX XXXX XXXX> XX/XX/XXXX, XXXX XXXX ) to consumer.documents >>> This email is for the EYES and RESPONSE of a Lexis Nexis Manager. Any other use by LexisNexis is STRICTLY PROHIBITED! <<< Dear Ms./Mr.Manager, After using the Electronic Request Form which gave me a Request Failed message twice, and using the POOR Voice " RECOGNITION '' System, I bit the bullet and filed a request with another call to the Voice " Recognition '' System. Lexis Nexis responded that my file couldn't be found, this file was supplied to my insurer on XX/XX/XXXX. And your company sent me >>> 6 8.5 x 11 mailings<<< giving me the above information. ( So, as I try again for my report, my Experience with LexisNexis is objectively rated- XXXX, Fouled Up Beyond All ; Reason ) Ms/Sir, I need a copy of the report supplied to my insurer XXXX And a, SIGNED APOLOGY, WITH JOB TITLE for the XXXX XXXX I received! . A Very UNHAPPY Consumer, XXXX XXXX XXXX. As a point of information any further error in handling this request, will result in Complaints to the Consumer Financial Protection Bureau, LexisNexis CEO- XXXX XXXX XXXX and my Insurers CEO.. I THANK YOU for resolving this MESS!!! Repeated Problem For a MANAGER [ Incident : XXXX ] 1 message ________________________________________ LexisNexis Consumer Support XXXX Mon, XX/XX/XXXX at XXXX PM Reply-To : LexisNexis Consumer Support XXXX Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Response By Email ( XXXX ) ( XX/XX/XXXX XXXX XXXX ) Dear XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. We apologize for the inconvenience if your recent report request was unsuccessful. The letter you had received is usually being sent if the system could not authenticate one 's information. As you were requesting a consumer disclosure ; however, we are able to assist you further. You may provide the following information for authentication purposes and so we could process the request on your behalf : Current Address : Mailing Address ( if different from current ) : Prior mailing address if you have been at your current residence less than two years : State of Residence : Date of Birth : Social Security Number : Driver 's License Number and State of issuance :. LexisNexis Consumer Customer By CSS Email ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) *** External email : use caution *** Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXXXXXX Status : Solved
06/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92804
Web
On XX/XX/21 I XXXX XXXX spoke on the to XXXX Ticket # XXXX at approximately XXXX XXXX, who is a representative of the company LexisNexis.They have gotten my personal information ( BANKRUPTCY ) and furnished it to the credit bureaus like XXXX, XXXX, and XXXX I stated law 15 USC 1681b " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report report under the following circumstances and no other : in accordance with with written instructions of the consumer to whom it relates. Pursuant to 15 USC 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ''. I am a protected consumer and I have the right to PRIVACY!!!!!! I did not give LexisNexis any written consent to have my personal information or to send them my personal information. After stating law to XXXX he kept telling me that a Bankruptcy is public information and it stays on your report for 10 years. I told XXXX that NO CONSENT IS IDENTITY THEFT AND FRAUD. Are you saying you are consenting to committing identity theft and fraud? XXXX was quiet and said that he needed to place me on a hold. After placing me on several holds and me going back and forth I stated 15 USC 1681n. I told him Lexis Nexis would be in violation of Civil Liability for Willful noncompliance. I said if you can not help me I would like to speak to a Supervisor. He placed me on hold again and came back to tell me there were no available Supervisors and that they would call me within 24-48 business hours. After that I called on the XX/XX/21 and I spoke to XXXX at approximately XXXX : XXXX XXXX. I got the same result. Then I called again on XX/XX/21 at approximately XXXX XXXX and I spoke to XXXX. I got the same result except they said a Supervisor called me on XX/XX/21 and they left a voicemail. I asked well what time did they leave the voicemail they said they did not have that information. After hanging up I checked my call list and I did not see any calls from Lexis Nexis. Also I checked my voicemail and I did not receive any voicemail 's from LexisNexis. I believe Lexis Nexis is refusing to remove the BANKRUPTCY after knowing they are in violation. I have even talked to the BANKRUPTCY COURT and they told me they do not provide Credit Bureaus with this type of information. I have asked all three agents of this Corporation to provide me with a letter or a date when I gave them permission to to have my information Pursuant to 15 USC 1681b. I demand they delete the entire report and I have sent in a request to OPT-OUT of the Lexis NEXIS reporting pursuant to 15 USC 6802 ( b ). I XXXX XXXX, speak as the natural person and I demand deletion of this fraudulent information.
11/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78754
Web
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GEORGIA XXXX XXXX CONCERNING CONSUMER NUMBER XXXX CASE NUMBER XXXX To Whom It May Concern In summation. Hidden within this report that was sent to me for evaluation XX/XX/2018 there are many inaccuracies concerning this report summation - None of which have anything to do with my personage, my social, or who I actually am. For one You received my Identification and Social Security Verification Number. Secondly My Social Security Number is not XXXX XXXX XXXX. My Name is not XXXX XXXX XXXX XXXX XXXX XXXX. My Name is Not XXXX XXXX XXXX. There are numerous an inexcusable accounts of negligent information on my report. So many in fact for so many years, that I will retain the services of a Consumer Attorney, to seek out not only legal remedies, but Legitimate Legal Damages to my person. Defamation of my Character, as well as Financial Injury. DO not play games with me. I am an adult. And despite your presume Accuracy you have left a clear and open path towards your own litigation for Civil Damages. I will in fact make you the next Information gathering Corporation holding my private information to be exposed for the inaccuracies on this 230 page report of lies. You will be held accountable for what you say is in your own words We are Unable to determine what you are disputing. You have mired my PRIVATE INFORMATION that you claim to PROTECT with other peoples information. In effect Not protecting me at all. Exhibits A thru all highlighted pages of the very document you claimed was Protecting my privacy thru all of the highlighted pages found in my report is riddled with INACCURACIES AND INFORMATION THAT HAS NOTHING AT ALL TO DO WITH ME. Unverified information that was given to you via computer that was reported to your organization. Then Added to my Report. The information reported caused my Financial Harm, Damaged my Reputation as well as misled creditors to the point of me not being able to purchase a home to live in.This information slaved to my reports, caused me not to be able to afford a home of my own - a place to lay not only my head down yet my children as well FOR DECADES! I will make it a point to show the courts Federal & State that YOU did not check any of your facts, paperwork or verify any signature of mine to any DEED, Address or place of Residence. That by refusing to delete that incorrect and inaccurate information of my reports, without first hand verification did not delete that information, Social Security Numbers, Addresses, Phone Numbers and housing from my report. In effect at the moment of receipt of this let I will formally be reporting your actions to the CFPB. Let this be a formal declaration of my standing as a HUMAN against you as an ENTITY Discriminating against me. Sincerely, XXXX XXXX
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10030
Web
I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. doing business as XXXX XXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXXXXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of 11 derogatory remarks on XXXX, XXXX and XXXX. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed XXXX violations. The account with XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX. doing business as XXXX XXXX was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ). After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be original and current creditor 15 USC 1692e : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be the original and current creditor,
07/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30339
Web Servicemember
I submitted a request for XXXX to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that XXXX had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of ( XXXX ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why XXXX chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that XXXX refused to block were as follows : XXXX XXXX XXXX Account Number XXXX this is a fraudulent account and should have been blocked with the rest of the items that I identified to XXXX were fraud. XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to XXXX by phone and by certified mail. They claim this fraudulent information was provided to them by LexisNexis, but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as Lexis Nexis. LexisNexis was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me. Lexis Nexis never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.
03/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • MO
  • 65619
Web
XXXX Senior Personal Lines Underwriter XXXX XXXX notified me XX/XX/XXXX that Lexis Nexis provided XXXX an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX notice indicates false information is being propagated by Lexis Nexis since no negative activity occurred that could have been reported during this period, and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. After filing a CFPB complaint, Lexis Nexis sent on XX/XX/XXXX at XXXX XXXX their first ever contact attempt. They were responded to on their electronic messaging system at XX/XX/XXXX the same day at XXXX XXXX. Lexis Nexis rep. XXXX confirmed my identifiers had been received as requested on XX/XX/XXXX at XXXX XXXX on their same messaging system. Exactly 2 weeks later they sent a letter dated XX/XX/XXXX to the CFPB stating I had failed to respond at all to request for additional identification and that my complaint was considered closed on their end. Otherwise and continuing through today, they have still sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or the nearly 20 phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' Lexis Nexis ' false information without having the opportunity to see what information on me they are selling without my permission and without being able to get a copy of my credit report after 8 months of trying to do so. Here are the dates on which we contacted Lexis Nexis by phone at the number provided by XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to Lexis Nexis at the address provided by XXXX XX/XX/XXXX requesting credit report and insurance score in accordance with CFPB guidance : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been requested 4 times to provide alternative contact information for Lexis Nexis to receive the credit report or any of the adverse information used to increase my premium. Since Lexis Nexis repeatedly hangs up on XXXX XXXX XXXX every contact attempt by phone, do not respond at all to mail inquiries and fail to even respond to further follow-up using the electronic messaging system provided after the CFPB complaint failed to achieve any result other than to catch them in an abject lie about my failure to respond to their request.
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85086
Web
YOU BROKE THE LAW XXXX Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ). Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attached documents ).
06/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • 17402
Web Servicemember
I went from having a family of 4 Auto Insurance policy coverage to getting a policy for 2 of us. During the last 6 months of the family of 4 auto insurance poicy coverage period, I was moved from 2nd person on policy to 1st person, primary policy holder. I was moved into the primary policy holder position because of my credit rating being better then my spouse. When this happened, I became the primary policy holder. When I became primary policy holder for family of 4 plan, for the 6 months, all the previous accidents went against me when I tried to pull up rates from online auto insurance rate companies. They said that they use Lexisnexis system to pull up policy accident reports. 3 of these accidents belonged to my daugher. 1 accident belonged to my spouse. I was trying to get a policy for me and my son. Neither of us had any accidents. But the accidents were now being used against me because Lexisnexis system shows all these accidents were from my family of 4 auto insurance policy, and I was primary policy holder on the date I was trying to get a new auto insurance policy. My online auto insurance quote, from XXXX XXXX, went from {$70.00} a month to {$170.00} a month. I have to get another auto insurance policy in XXXX. I need these accidents removed from my Lexinexis profile. I just got done paying an extra {$100.00} a month, for 6 months, because these accidents, that weren't mine, were applied to my premium. I need Lexisnexis to remove these accidents. On XX/XX/XXXX, I ordered my Lexisnexis consumer report from their website and I have not received it yet. I need Lexisnexis to remove these accidents, and I'm running out of time to do this in their system. Please start a complaint investigation in your system. These are the accidents that were used against me from my family of 4 auto insurance insurance policy : XX/XX/XXXX Daughter Rear ended XXXX XXXX vehicle at a stop light in the XXXX XXXX XXXX Paid out {$2500.00}, claim number XXXX, policy XXXX XX/XX/XXXX Daughters friend, driving XXXX XXXX XXXX, slid on snow/ice, hit trees. Driver complaining XXXX XXXX XXXXXXXX XXXX Paid out {$7000.00}, claim number XXXX, policy XXXX. XX/XX/XXXX Insured driving XXXX XXXX XXXX XXXX XXXX XXXX when driver side front tire fell off- Male Spouse Male Spouse was the driver, paid out {$3400.00}, claim number XXXX, policy XXXX. This was a claim that paid out under comprehensive. Everything else was collision. XX/XX/XXXX Insured vehicle turning left on XXXX from XXXX. XXXX XXXX had the green light, other vehicle turned in front of her to make his left onto XXXX, hot other vehicle on passenger side. s Paid out {$8100.00}, claim number XXXX, policy XXXX. Daughter was the driver for that one. From my XXXX XXXX policy # XXXX
01/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • NJ
  • 08046
Web Servicemember
Lexis Nexis did in fact report three incorrect accounts to the following companies : Data Verify, Net Credit, and XXXX XXXX XXXX XXXX XXXX. Please note that the list of companies is not complete, as it is impossible for me to know to all of the companies that received this false information from Nexis Lexis which was to deny my credit applications. Due to the lack of due diligence by Lexis Nexis, I have been put through undue mental and financial duress. Please see XXXX attached proof of such below labeled " Proof of Denial '' from when I was attempting to get a vehicle. Upon my recent attempt to purchase home, the process was halted when XXXX Judgments were reported to me by a potential lender ( see attached labeled " JUDGEMENTS '' ). My potential lender informed me that the information was sourced from a company called XXXX XXXX. XXXX XXXX XXXX of XXXX XXXX, informed me that their information is sourced from Lexis Nexis. XXXX XXXX , of XXXX XXXX, also informed me that the information they receive is not " official '' and must verified before assumed to be accurate before it can be used as a basis to issue credit. I have attempted to reach out to Lexis Nexis to dispute this matter, but they have not responded. The following are disputes of Judgements that are falsely listed on my Nexis Lexis report and causes me Undue Financial & Mental duress. University XXXX XXXX # XXXX This account was resolved and removed in XXXX due to my XXXX veteran 's status, though Lexis Nexis claims that this account is in judgment status. I recently reached out to the University, and they supplied me a letter for evidence of this account being satisfied. ( See Attached Letter ) TD BANK> # XXXX This account belonged to my father, to whom we have the same name. He also passed away in XXXX of XXXX. Also, the case was dismissed XX/XX/XXXX ; which is well before Lexis Nexis listed this account as a judgement. ( See Attached Court Dismissal ) XXXX XXXX XXXX XXXX XXXX There is no evidence of this judgment and the Law Firm representing XXXX XXXX told me that they are not pursuing a Judgement. Also, XXXX XXXX also told me that they have no account, in my name, that is in judgment status. Please, send me a copy of the data that you used to verify that I have an actual judgement or remove this false information Without my knowledge or permission, Lexis Nexis has furnished in accurate information that has caused me Undue MentalXXXX and Financial Duress. Lexis Nexis has added to life as a currently 100 % XXXX veteran. I have attached a copy of my military ID and also a copy of my social security card for identification verification. This is the only forms of identification that I have because I do not drive due to XXXX.
06/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43230
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXXXXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {XXXX}, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • TX
  • 77493
Web
I like to file a complaint against XXXX XXXX for reporting inaccurate information on my consumer reporting file. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit files I was told " XXXX XXXX has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part you perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.
10/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • OR
  • 97477
Web
Please consider this letter is my formal complaint against LexisNexis who has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, and finally to the CEO, XXXX XXXX on XX/XX/18. Upon receiving their response ( to the 3rd letter ) that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. I did not receive a response to this request nor did I receive a response from the CEO, XXXX XXXX, to the letter addressed to him directly, delivered on XX/XX/18. In the meantime, I also obtained a letter from the XXXX Florida Bankruptcy Court which clearly stated that they do not provide any information to the credit bureaus. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. Thank you for your time and assistance in this extremely important issue.
09/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DE
  • 19801
Web
I contacted LexisNexis several times on the validation of the bankruptcy on my report & file. I explained to them how they needed to verify the items that was on my report. They replied that they verified my bankruptcy which is false.I asked them to verify how you got you information and you didnt respond with documents. I asked for you to send please me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately, and you guys failed to give SOLID PROOF. LexisNexis uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. LexisNexis going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), LexisNexis did not have a Permissible purpose nor did they have your written instruction. LexisNexis stated that they contacted XXXX, which means they had the information prior to contacting them ; and did not get the information from them. XXXX bankruptcy courts states if someone calls the courts for CONFIRMATION... Three Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
07/01/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • NY
  • 10312
Web
Please read company 's false response before I dispute In his complaint with your office, XXXX. XXXX states that two incidents reported by LexisNexis dated XX/XX/XXXX and XX/XX/XXXX are incorrect and are impacting his insurance premiums. In response to XXXX XXXX complaint, LexisNexis searched our systems using XXXX XXXX name and address as provided in his complaint and located two reports a XXXX . Auto report and a Motor Vehicle Record ( MVR ) report provided to XXXX XXXX insurance carrier, XXXX XXXX. On XXXX XXXX MVR report, LexisNexis located a moving violation issued on XX/XX/XXXX, with a conviction date of XX/XX/XXXX, which we believe to be one of the incidents XXXX XXXX is disputing. On XXXX XXXX XXXX . Auto report, LexisNexis located a claim dated XX/XX/XXXX, which XXXX XXXX states is incorrectly reporting as at fault. Page 2 XXXX In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of the claim dated XX/XX/XXXX listed on his XXXX . Auto report. During our reinvestigation of the claim dated XX/XX/XXXX listed on XXXX XXXX XXXX . Auto report, XXXX XXXX XXXX verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. Please note that there is no fault assigned to this claim. Given this verification, LexisNexis is unable to remove the disputed claim from the XXXX . database. In regards to the moving violation issued XX/XX/XXXX for use of a mobile telephone while operating a motor vehicle, which has a conviction date of XX/XX/XXXX, the MVR obtained on behalf of XXXX XXXX was provided by the government agency of the state that maintains driver history information ( e.g., Department of Motor Vehicles, Department of Public Safety, or Secretary of State ). LexisNexis obtains MVRs from the appropriate government agency, standardizes the information, and forwards the information to the company requesting the record. LexisNexis does not have the ability to change the substance of the information contained in the MVR other than to verify that the information is correctly standardized. The state in which XXXX XXXX is licensed to drive has the responsibility of maintaining his driving record. If he identifies errors in his MVR, he must first contact the appropriate government agency in the state in which he is licensed to confirm the accuracy of their data. If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX-XXXX-XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.
07/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • SC
  • 29403
Web Older American, Servicemember
In purchasing a new house with a new mortgage, I applied for and received homeowner 's insurance from XXXX XXXX, through an agent. I believed the premium was too high, but was told it was the best on offer, so I consented to the policy ( XXXX, XXXX ). I did not receive any written communication from the insurance company and paid the insurance premium during closing on the new house on XX/XX/XXXX. There was a delayed possession of the house because the original owners were not ready to move out, so they have rented the house from me ( and my wife, joint ) until XX/XX/XXXX. My mail was sent to that house and a neighbor collected it for me, so I did not see any mail from XXXX until XX/XX/XXXX. The letter provoking this complaint was postmarked XX/XX/XXXX and dated XX/XX/XXXX. It was postmarked from zip code XXXX ( Iowa ). Included in the very large packet of insurance information was a letter informing me of an adverse action based on erroneous credit reporting by LexisNexis, a company I have had no contact with at any point. The specific adverse action is, '' Based on consumer report data, the premium you were offered was not the lowest available fo the program applicable to your policy. '' The specific reasons were listed as 4 codes ( XXXX, XXXX, XXXX, XXXX ), all of which were either " insufficient information '' or erroneous. No attempt was ever made to contact me or my wife about these issues, other than this innocuous looking letter we received months after the adverse action. I immediately contacted my agent, who informed me he had no knowledge of this as he was restricted by privacy laws from receiving this kind of credit information. I then called the number for LexisNexis Consumer Center ( XXXX ) and listened to a fully automated set of instructions on how to obtain my credit report. There was no option to file a dispute, other than asking for my " NCF Reference #. '' This kind of bureaucratic run-around which takes much time and effort ( which my wife and I can not afford ) leaves me feeling there is no hope to get my rights respected and my credit restored to what it should be. I am being penalized by paying excessive premiums, and my agent informed me that switching insurance companies would make no difference as they all use LexisNexis. Another possibly relevant fact is that there was a massive security breech involving the S.C. Department of Revenue in XXXX, and I was advised by many experts to " freeze '' all access to credit reporting from the major agencies ( XXXX, XXXX, XXXX ) which we have done and continue to do. This may be a reason LexisNexis had inaccurate information. It is not, however, an excuse.
03/06/2017 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • CA
  • 90049
Web
LexisNexis Risk & Information Analytics Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their RiskView product or direct consumers to an opt-out page for PeopleWise or KnowX. These products are distinctly different from Accurint, which is regulated by the FCRA. In fact, Lexis-Nexis is aware of this and states on their webpage XXXX that the opt-out procedures stated thereon applies to a " Non-FCRA Opt-out Policy ''. That page invents new undefined terms like " information suppressions '' and conflates the various Lexis-Nexis products without even naming Accurint. It does mention KnowX and PeopleWise but any reasonable person reading the page would think that a person has to be one of " Public and elected officials, including law enforcement officers, and private individuals who are facing a substantial risk of physical harm or who are victims of identity theft. '' However, this is NOT the case for suppression from KnowX and PeopleWise which anyone can opt-out of. The policy involving those classes of consumers applies to Accurint and there is nothing on that page or on the internet which states a clear procedure for opting out of Accurint. In fact, one year ago, I requested to opt-out of Accurint and/or place a security freeze on that product. I telephoned the number above and sent in a copy of a report mailed to me from XXXX stating that I was the victim of a security breach. Lexis-Nexis informed me falsely that my information from that database had been suppressed. In fact, Lexis-Nexis only removed me from a product called " RiskView '' by applying a security freeze to that product alone. Lexis-Nexis has been sued over its handling of the Accurint product in XXXX XXXX XXXX et al., v. LexisNexis Risk & Information Analytics Group , Inc. et al., Case No. XXXX. In settling this class action suit in 2014 by paying a XXXX class action settlement Lexis-Nexis promised to change its policies and become " a model of the industry ''. Instead, it remains as murky as ever as to how to be removed from Accurint. There is no clear stated policy on Lexis-Nexis ' web pages anywhere as to removal. Instead, Lexis-Nexis conflates its removal policy for various distinctly different products and misleads the public as to what product consumers are being removed from. This is is being even as Lexis-Nexis has just now begun to mail out checks of {$300.00} to class members.
09/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23831
Web
This is in response to LexisNexis 's written response dated XX/XX/XXXX to my previous dispute for Case No. XXXX regarding judgment number XXXX which I just received the updated report dated XX/XX/XXXX showing the items suppressed and removed from my report for LexisNexis 's Case Number XXXX. This dispute follow up is specifically regarding the LexisNexis 's letter ( page 3 - 3rd paragraph from the bottom ) where LexisNexis specifically asserts the following " When information is removed or deleted from the consumer reports provided by LexisNexis pursuant tour FCRA responsibilities our internal nomenclature is to indicate that the records were suppressed because consumers do not necessarily have the right to have the record removed or deleted from non-FCRA reports XXXX as bulk records used by other consumer reporting agencies. The effect of suppression of record from consumer reports is the same as the delete or removal referenced in the FCRA. '' Please note that the Judgment number XXXX that was entered against me ( without my knowledge ) by XXXX XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXwas set aside by the court on XX/XX/XXXX after I filed a Motion For this to be done since I was an improper party to the suit and subsequently the Plaintiff requested the court to nonsuit the matter onXX/XX/XXXX, which completely removed and dismissed the suit that was erroneously entered on XX/XX/XXXX and no longer exists. Therefore, I am demanding again since this judgment number XXXX and now been dismissed I do have a right for not only this previous judgment not to be just be suppressed but I have the right for the judgment account to be completed deleted and removed from all Consumer databases and non-FCRA reports such as bulk records of LexisNexis and any other agencies that they have reporting this erroneous account/judgment record that has been dismissed by the courts. I further request that LexisNexis immediately removes this judgment account from all consumer databases and non-FCRA reports ( databases ) such as bulk records since I do have that right since this matter has been dismissed from the courts as ofXX/XX/XXXX I have included a copy of the printout from the court records and website that can easily be verified that the matter has been dismissed and LexisNexis does not have the right to report erroneous information on this account about me in consumer or non-FCRA reports or bulk records. Please provide me written confirmation that this account has been removed and deleted from all consumer reports of LexisNexis and non-FCRA ( bulk records ) of LexisNexis since the judgment XXXX has been dismissed onXX/XX/XXXX
11/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91367
Web
I sent a follow up on a previous dispute for a dismissed bankruptcy thats was part of a fraudulent dispute with XXXX. LexisNexis had removed the Bankruptcy from my credit file XX/XX/XXXX case number XXXX. LexisNexis sent me paperwork showing the Bankruptcy was removed from their data base. I sent that letter to XXXX showing they had deleted and removed it. According to XXXX after receiving the letter I mailed to them certified showing the deletion. They did a re-investigation and sent me back the results. Saying they certified that LexisNexis is still reporting the Bankruptcy exist. So I called LexisNexis on XX/XX/XXXX and the representative at LexisNexis pulled up my file and emphatically said there nothing in the file showing a Bankruptcy in their data base. Under The FCRA stated on LexisNexis paperwork they sent to me XX/XX/XXXX case XXXX. It states you have the right to : REQUEST THAT LEXISNEXIS FURNISH NOTIFICATION OF THE DELETION OF DISPUTED INFORMATION OR A DISPUTE STATEMENT TO ANY PERSON SPECIFICALLY DESIGNATED BY YOU WHI HAS RECEIVED A LEXISNEXIS CONSUMER REPORT FOR EMPLOYMENT PURPOSES WITHIN THE PAST TWO YESRS, OR RECEIVED A LEXISNEXIS CONSUMER REPORT FOR ANY ORHER PURPOSE IN THE PAST XXXX MONTHS. So I sent LexisNexis a letter asking them to furnish XXXX notification that the bankruptcy was deleted and removed from their data based along with any other company that has requested a report or verification of this deleted Bankruptcy. The rep told me they dont do that. They have no way of sending a report to anyone showing it was removed. This is a violation under the Fair Credit Reporting Act. They are not honoring their own policy regarding what they state on there paperwork. Which I highlighted clear as day on the paperwork they sent me. XXXX and LexisNexis are breaking the law, and are violating my rights. I am enclosing the letter I sent to LexisNexis requesting they inform XXXX and any other company requesting my information of the deletion. Also the letter they sent me saying the Bankruptcy was dismissed. I will also be filing a complaint with the FTC and the Attorney General Office and the XXXX. Letting them know that LexisNexis and XXXX are not following there own policy under the FCRA. Last but not least I was on the phone with experian on XX/XX/XXXX for XXXX minutes with the fraud department. Their representative told me even though they had the letter I sent them from LexisNexis stating the bankruptcy was removed. They were not honoring it. After another re-investigation, they certified that they have verified with LexisNexis that it still exist in their data base.
03/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30213
Web
PLEASE HELP! I send a certified letter to LexisNexis on XX/XX/2022 from the United States Bankruptcy court where it states that they do not report to the credit bureau. I mail this letter allow with a letter to LexisNexis stating that I never gave them permission 15 USC 1681 ( b ) Permissible purpose. I informed them once all three credit Bureau confirmed that LexixNexis was indeed where they received the information from that I never gave LexisNexis any written consent. It has been 30 days and I still have not received any type of documentation from LexixNexis. I haven't even received the confirmation signature that they received it back. I called them a week ago and the representative inform me that they have received the letter. I received a alert today from XXXX that my Dispute results for my Bankruptcy is complete and that the company has verified it as accurate and that it remains on my consumer credit report. What I am not underling is how can XXXX update a dispute and LexisNexis still has not responded but to me. Its been over 30 days and by law they supposed to delete the account. I called XXXX and asked what was they provided from LexixNexis. The Agent kept saying the court provided them with documentation. I feel like I am being bullied by these Credit reporting agencies and Lexis Nexis. They keep telling lies about the Information that they have and where they are getting Information from. I informed the agent that they are required by law to provide me with documentation. The agent kept saying the court provided documentation. I asked to speak to a supervisor and the call was disconnected. As a consumer I have a right to privacy and as a consumer I determine what that privacy is. LexisNexis is reporting fraudulent to the credit Bureau. I never authorize or gave any written consent to LexixNexis to report anything on my consumer credit report no consent is identity theft. I feel like as a consumer LexisNexis has violated my right and continuing tried to bully me. This public record that I didn't consent to report on my consumer credit report is stressing me out and does not reflect my credit worthiness. I am trying to move forward and purchase a home for me and my family and because LexixNexis continues to report a public record that I didn't consent in written to them is holding me back from moving forward. I really need assistance because I have sent certified letter to the credit bureau and all they do it update it as acute they have yet to send me one piece of documentation that is being provided to them. If I am unable to get any help I will be forced to filed a litigation.
07/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60914
Web
XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law! I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX XXXX before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.
10/07/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 64804
Web
Contacted lexus nexus about a reoprt that was given to XXXX XXXX and then contacted about the wrong the wrong info submitted. They also went against the federal DOT laws put down by the FSCSMA for commercal drivers to correct the problem along with with noot providing the consumer with the reports given out that individual provided to an insurance company along with not providing the consuner after verifying that person as so anlong with by there there own procedures and the rights of the individual for a copy of said reports. Formal request ade to lexus nexus of all reports given to be sent to individual ( recodered and company was notified in orcdance to statues and laws followedas heard in recordings of phone calls and non willingness to follow consumer rights to provide such info ) has lead me to this course of action. Lexus nexus that reports DMV records has not reported the corect info and also has not only caused significant increase in insurance costs due to improper reporting even by there own admission they continue to dereguard federal FMCSA and individual rights. This company needs to be investigated in false reporting and activtivley violating FMSCA rules and regulations for commercial trucking industries. The abuse of power and the fact they can violate federal laws put down by the FMCSA needs to be investigated and set right. They should not nor be tolerated to interfere with federal law and cost of higher pricers to the comercial driver and the inteterferiance of commence as put forth by the FMCSA and the laws put down by the federal goverment. This problem needs to be addressed and our rights as individuals need to be protected even if we drive the big rigs. We are not cash cows. We work long hours and do not deserve higher rates due to improper reports and disregard to federal regulations put forth by the FMCSA. Recordings avalible of conversation upon request. Yes company was notified about recordings about conversation being recrded to agent and that we were being recroded adout the call being recorded for training purposes. This means both parties have recrdings. My question is can a reporting company get away with false reports just to rip off the customers and when they are confronted they are still allowed to get away with it? Lexus nexus makes us jump through hoops however they seem ( and get away with reporting true motor vehicle reports ) and nothing is done even with there own rules and guide lines. Time for you all to step up to the plate. What lexus nexus is reporting to the insurance company 's needs to better regulated.
08/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10034
Web
LexisNexis has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus, as well as another letter indicating they did not and would not confirm nor verify any information to a credit bureau. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. Thank you for your time and assistance in this extremely important issue.
05/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30338
Web
O n XX/XX/XXXX , I sen t Lexis Nexis ( Consumer Center ) Attn : Full File Disclosure, XXXX , GA XXXX , a certified letter along with supporting documentation regarding a Tax Lien from XXXX County Superior Court ; Case ID # XXXX , filed XX/XX/XXXX in the amount of {$1800.00}. LexisNexis has been reporting to XXXX completely inaccurat e information. First of the a ll, the tax lien originated with the Georgia Department of Revenue ( I ncome Tax Lien Section ) ; Lexis Nexis has the Case ID # XXXX ; In addition, the lien was released o n XX/XX/XXXX ; Lexis Ne xis has it being released on XX/XX/XXXX . Furthermore, On XX/XX/XXXX , and XX/XX/XXXX , I disputed the sa me tax lien with XXXX reported by XXXX County Superior Court ; Case # XXXX ; Amount : {$1800.00} in the file of XXXX maintained under my Social Security number. I was informed on XX/XX/XXXX t hat the item was deleted from my credit report. Now I discovered that the item has been reinstated on my credit report. In accordance with the requirements of the FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ), XXXX was required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five ( 5 ) business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I WAS NEVER NOTIFIED OF SUCH REINSERTION OF THIS TAX LIEN ON XXXX CREDIT FILE UNDER MY SOCIAL SECURITY NUMBER. Please validate this information with XXXX County Superior Court and h ave Lexis Nexis provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file maintained under my social security number. I do not consent to XX/XX/XXXX or any means of automated verification, which is exactly what LexisNexis is doing along with XXXX Note : The Georgia Department of Revenue n or The XXXX County Superior Court N EVER RELEASE ANY INFORMATION TO CREDIT REPORTING OR CONSUMER REPORTING AGENCIES. I have accompanied proof of this fact. I have accompanied this dispute with supporting documentation.
09/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60707
Web
This is now CFPB complaint number 4. Yes, this is the fourth time I have submitted a complaint against this company. Although we have made VERY LITTLE progress they're still violating our consumer rights! My daughter and I called, faxed and emailed this company over 30 times within the last 3 months requesting that they mail us BOTH a FULL, COMPLETE, PRINTED COPY OF OUR PERSONAL CONSUMER REPORTS. WE HAVE NOT RECEIVED THEM! We did receive a PARTIAL report from them in XX/XX/2020 which we later learned was NOT the completed report. We were advised over the phone on countless occasions that we have more than ONE consumer number! We have requested that the company DELETE, REMOVE, DISPUTE AND SUPPRESS ANY AND ALL DUPLICATE FILES! We have requested this via email, telephone and now fax! We have literally sent over 30 faxes to this company. We have began faxing all correspondence that we received from them beginning in XX/XX/2020 along with the copies of the CFPB complaints and emails that confirm that our files should be deleted AND suppressed. The company has refused to send us BOTH OUR OWN PERSONAL SEPARATE copies. It has been OVER 90 days since we requested our consumer reports and still have not received them. It has been over 30 days since we began the dispute process and have not received updated results nor an updated copy of the consumer report. They claim that some information has been verified and validated but never sent us the proof of verification. What was verified? With who? Where are the verified documents? What agency or company verified the information? The reason for my continued complaints is to build a paper trail to make my lawsuit easier to win when I show proof that the company is fraud! The contact person XXXX XXXX is a liar! She barely responds to the emails and when she does, it's not specific and she doesn't actually answer any questions that are being asked of her. Too much time goes by before she actually responds with no information. Just a waste of time talking and emailing her. I have recorded calls and fax transmittal 's. This company 's credibility should be monitored and investigated more thoroughly. Inquiring about starting a class action lawsuit as I'm learning that my daughter and I aren't the only individuals that are experiencing these issues with them. WE HAVE CONTINUOUSLY REQUESTED TO HAVE ALL DUPLICATE, INCORRECT CONSUMER NUMBERS AND CASE NUMBERS REMOVED, DELETED, DISPUTED AND SUPPRESSED! ALL DELETED FILES SHOULD BE SUPPRESSED TO ENSURE THAT THEY ARE NOT ADDED BACK TO THE CONSUMER REPORT!
05/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • 32204
Web
In summary, I have had XXXX XXXX auto and life insurance policy for several years. They wrongfully canceled my auto policy based on inaccurate information they collected and following the IRMA related claim without notification. They refused to correct and reinstate auto policy after several discussions. As a customer in good standing and none of the claims were at fault, not only did the XXXX XXXX failed to provide advanced notification and refused to provide information at my request on my online account, the reported the history of claims is compromising my obtaining another policy. This appear to be a disruptive deceptive business action that is also threatening to suspend my driver license regardless of my safe driving record. Further, it is within law to file claims in legitimate accidents or events. It is insurer obligation to honor the policy and it's their obligation to pay on claims based on their policy, such as mine where I paid for several years to have XXXX limits and uninsured motorists coverage. The consumers should NOT be penalized or discriminated for following regular process of filing claims or requesting road assistance, and particularly related to natural disasters. If States enforce that all citizens to obtain insurance coverage which I have had continuously for many years and have been as safe driver, it is our right to have enforcement the fairness and legitimacy of Insurance companies processes in handling those coverages. There have to be limitations on arbitrary policy cancelations for long standing customers. Please note, they didn't drop my other policy on Life Coverage. Following the same logic, they would collect the premiums and cancel when it's time to pay. Additionally, I question how many other Floridians lost their policies right after Irma related claims with XXXX XXXX or likewise unethical carriers. State agency has NOT provided any help in correcting this action. XXXX XXXX Re : [ SR # :XXXX ] LexusNexis also failed to take action and make appropriate corrections on compromising records that are threatening to suspend my driver license. Product : XXXX XXXX Claims Bundle Report Confirmation Number : XXXX Order Date : XX/XX/XXXX XXXX XXXX Other insurance companies, namely XXXX, XXXX XXXX and XXXX refused coverage XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimComprehensive XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimAccident resulted in injury to myself XX/XX/XXXX ClaimNon Chargeable - No Payment Made
07/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53154
Web
I complained about LexisNexis providing fraudulent information not obtained by the current 3 credit bureaus and said information was provided to XXXX XXXX XXXX XXXX, they disputed two items on my behalf, one has been added to a current ongoing Class Action law suit being conducted by the CFPB on my behalf and the other regarding the fraudulent Judgement is currently under investigation by Legal Action. I received via US mail two copies of a unauthorized background check conducted by LexisNexis and provided to XXXX XXXX XXXX XXXX which in turn they forward to me since no one requested this violation of my privacy. I was a victim of identity theft and they are reporting information they was deleted by all three credit bureaus, XXXX, XXXX, and XXXX. There are to addresses listed that I never resided at in this report they are openly displaying all of my personal information. The credit bureaus dont even do that, they block out the first five numbers if my social security number to protect my identity, my drivers license also is openly exposed subject to identity theft as well. They are listing three addresses I never resided at, 1. XXXX XXXX XXXX XXXX, XXXX, WI XXXX, 2. XXXX XXXX, XXXX, Florida XXXX with no street address. 3. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, which is the address to the XXXX XXXX. The report goes further exposing very private information regarding my personal property ( mortgage ), exposing phone numbers, email addresses, information regarding my vehicles purchased, insurance claims, and where I currently bank, including the miss spelling of my legal name which confirms indenting theft, this is clearly an egregious violation of my constitutional rights to privacy. This unauthorized investigation goes back more than 36 years. I am now a possible victim of identity theft again due to this violation and exposure of my personal information, this information now has been circulated to places that did not request nor were authorized to receive my very private information. I contacted LexisNexis about the unauthorized background check on me which is a violation of my constitutional right to my privacy. I was given the run around and no manager would take my call. I then asked the person by the name of XXXX how did LexisNexis get access to my drivers license number and social security number, which is not public information and she answered that they have ways of acquiring the information and I asked her how because that constitutes as identify theft, and a blatant violation of Federal Law.
12/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MI
  • 48180
Web
PLEASE DO NOT CLOSE THIS COMPLIANT AS THIS IS NOT DUPLICATE, AND I NEED ASSISTANCE IMMEDIATELY. THE SAME COMPANIES MAYBE LISTED IN DIFFERENT COMPLIANTS, BUT LISTEN MY PROBLEM IS NOT SOLVED, NOR HAS IT BEEN, SO I WILL CONTINUE TO FILE A COMPLAINT UNTIL I GET THE INACCURATE accounts ( REMOVED ) FROM CREDIT REPORT 1XXXX XXXX BANKRUPTCY ( REMOVED ) 2.XXXX ( REMOVED ) 3XXXX XXXX ( REMOVED ) 4. XXXX XXXX ( REMOVED ) 5XXXX XXXX XXXX ( LATE PAYMENT REMOVED ) Hello, To Whom It May Concern As Ive been disputing XXXX XXXX BANKRUPTCY from my credit REPORT, Since XX/XX/2021 along with other inaccuracies, Such As XXXX XXXX, XXXX XXXXXXXX XXXX AND XXXX FUNDING, Ive also filled multiple complaints do to this same reasoning. In results to the complaint I still havent received the satisfactory results I need. Such as investigating the inaccurate accounts, and removing accounts once it comes back as unverified. The companies listed above are also refusing to READ, and accept the certified documentation supporting my disputes. The companies XXXX, XXXX, XXXX, AND LEXISNEXIS. Are constantly refusing to update my credit file, nor are they using my supporting documentation for evidence. They are refusing to communicate with each other/creditor. Informing me I should dispute the inaccurate accounts directly through the creditor. In results to me disputing the inaccurate accounts DIRECTLY with the creditor. I received more than a few documents stating I do no owe on any accounts listed above. XXXX XXXX bankruptcy has also came back as unverified, and I was NEVER LATE ON XXXX XXXX ACCOUNT. I dont think its fair for LEXISNEXIS XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX TO LIE AND SHARE WITH THE CFPB STATING THEIR STILL WORKING ON SUCH DISPUTES. BUT IN THE MEANTIME INFORMING ME THE ACCOUNTS ARE VERIFIED AND WILL NOT BE REMOVED. As their is nothing to work on they just need to complete their job and update my credit report As Ive already provided correct documentation multiple times. STATING THE REMOVAL OF UNVERIFIED ACCOUNTS. Today on XXXX/XXXXXXXX I was told by XXXX REPRESENTATIVE THEYll continue to report the inaccurate accounts, and refusing to delete the accounts, until THE CREDITOR LEXISNEXIS, XXXX, XXXX XXXX CONTACT THEM, although the companies are refusing to communicate with each other, and delete the inaccurate accounts. This is not fair as Im the little guy, and the big companies are getting away with lieing to the CFPB, and not doing their job I should not have to constantly file a complaint after complaint.
07/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35211
Web
ATTN : FACT Act Dispute Request, XXXX. XXXX XXXX, XXXX, GA, XXXX To whom it may concern I have recently received a copy of my Lexis Nexis report and I see that you may be the nexus of all the incorrect information reporting to the credit bureaus. I will go section by section of the incorrect reporting so it will be easy for you to correct and delete this. In the address section of this report, you have a USPS date last certified XX/XX/2020 : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX HOW CAN I HAVE 5 DIFFERENT ADDRESSES AT ONE TIME?? My only address other college has only been XXXX XXXX XXXX XXXX XXXX, AL XXXX. I have proof of this with my drivers license and my bank statement I keep providing to you. If you would simply do your own investigation and reach out to these addresses you will know I have never lived at these other places. In Section 1 you have multiple instances of the name MR XXXX XXXX XXXX. My name has never been XXXX. This incorrect name is also only attached to incorrect addresses, not my actual address. The fact you have an incorrect name lets me know you have done no research or due diligence into the protection and accuracy of my data. In section 3, in the Educational Records, you have me attending XXXX XXXX University. The reported age is XXXX! Im XXXX now and I am attending XXXX XXXX University! I have proof in the form of a transcript. Where are you getting this information from??? Are you suggesting I live at 5 different places AND attend multiple schools at the same time? You dont even report my actual school! You can not keep saying youre verifying information when all you are doing is typing my name into a database and it is spitting out the same incorrect information. Call these people, call the courts, call the owners of these homes, and verify it that way. Ask for my signatures and ACTUAL proof. Otherwise, you are just wasting my time and deteriorating my quality of life because of your incorrect data. If you do not correct this, I will be seeking damages in court. Resolution Remove all incorrect names, addresses, schools, and public records attached to these incorrect names and addresses. Proof of Incorrect Information ( Attached ) Proof of Address ( XXXX XXXX XXXX XXXX XXXX, Al XXXX ) Drivers License, Bank Statement, Transcript Proof of Identity Theft Police Report Proof of School Transcript
10/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32164
Web Older American
I have excellent credit for both home and auto, however Lexis Nexis reported incorrect scores to my car insurance company XXXX XXXX XXXX XXXX XXXX due to an error reported to the credit bureaus in XX/XX/XXXX as a result of my doing a balance transfer from one credit card to another in order to reduce my interest rate. I had requested that LexisNexis run my credit and auto scores 90 days prior to my car insurance premium renewal for my insurance company because I felt my insurance premium was too high. LexisNexis came back with the incorrect scores due to the balance transfer error. In turn, my insurance company raised my car insurance premium rather than lowering it. When I found this out I filed a Direct Dispute with XXXX who had said my scores as of early XX/XX/XXXX were Credit XXXX and Auto XXXX. XXXX then looked into this and XXXX corrected the scores as of XX/XX/XXXX to read XXXX XXXX and XXXX XXXX and as of XX/XX/XXXX for both XXXX and XXXX. As of XXXX they are currently XXXX. I then contacted LexisNexis XXXX XX/XX/XXXX, their reference # XXXX and appealed to them about these errors and requested they use my correct scores going back to XX/XX/XXXX, since had there not been an error made, those are the scores they would have used and reported to XXXX XXXX. LexisNexis refuses to use them and my car insurance company claims they can not discuss anything about my credit with them and therefore they can not use the new scores to reduce my premiums. The lower credit and auto scores, XXXX and XXXX, are causing my car insurance premiums to increase rather than decrease. XXXX has my credit score at XXXX as of XX/XX/XXXX which is even higher than XXXX and XXXX, and, my auto score as of XX/XX/XXXX, was XXXX. Since my credit and auto scores were lowered through no fault of my own then readjusted to reflect the correct scores, I strongly feel that my insurance premium should reflect my much higher scores. There is a big gap from Early XXXX to XXXX. What LexisNexis is refusing to do for me, a XXXX year old Senior citizen on a fixed income who was empoyed by the federal government for 30 years and who hasn't seen a cost of living increase in the past 3 years and most likely will not see an increase in XXXX is shameful. A copy of this went to The Florida Attorney General, XXXX XXXX, the Florida XXXX XXXX, LexisNexis and XXXX XXXX XXXX XXXX XXXX. I have not heard back from anybody except the Department of Financial Services instructing me to submit a claim to you.
07/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 60438
Web
Re : US BKPT CT IL XXXXXXXX XXXX To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
04/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 47403
Web
On XX/XX/XXXX, I received a notice of cancellation from the insurance company providing my Homeowners policy. The reason stated was that they reviewed my claim history from the Comprehensive Loss Underwriting Exchange ( CLUE ) database provided by LexisNexis. The cancellation notice contained a record of a claim for water damage that I did not recognize. On XX/XX/XXXX, I contacted LexisNexis and was told that a new claim for a loss that happened on XX/XX/XXXX was added to the database under my name. After further review, it was clear to the LexisNexis clerk and myself that this was an error since this claim belonged to a person with a similar name but lives in a different state and was insured by XXXX XXXX XXXX XXXX XXXX which I have never done business with. I filed a dispute to have this record removed and a request for a report of all my records. On XX/XX/XXXX, LexisNexis sent me a letter stating they had verified that their claim information was correct for this dispute. I immediately called and initiated a new dispute but i have to believe that little to no effort by LexisNexis was dedicated to adjudicating this dispute since it is obviously a different person with a different SSN. Relative to the report request I made, LexisNexis sent me a letter which I received on XX/XX/XXXX with a URL to access my CLUE information. The number of records in this report and the amount of inaccuracies was stunning. The report has these sections : Identification Records, Address Characteristic Record, Phone Records, Business Association Records, Online Marketing Records, Property Deed Records, Property Assessor Records, Insurance Policy Records, Automobile Insurance Claim Records, Property Insurance Claim Records, and Inquiry Records. Within these sections there were over 65 areas where the information was incorrect and obviously related to other people with a similar name. On XX/XX/XXXX, I called LexisNexis and disputed all approximately 65 inaccuracies. The other cause for grave concern was the amount of Personally Identifiable Information ( PII ) that LexisNexis is exposing when they provide reports intermixed with different individuals information. This report has SSNs, email addresses, cell numbers, addresses ( both past and present ), spouse names, policy numbers, mortgagee, etc. This is extremely sensitive information that should be addressed by CFPB to ensure that LexisNexis implements better protective measures with this information in the future.
06/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 38109
Web
On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXX. I was then advised that I needed to open another dispute with XXXX which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX, yet they are choosing not to do the rightful thing, and that is to remove this negative item. Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX is refusing to remove it.
07/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30097
Web
Automobile Insurance Claims that were originally filed in error by an inexperienced Claims Adjuster, then withdrawn are not being removed from my C.L.U.E Auto Report by XXXX and LexisNexis. I have attached letters from XXXX stating that the claims will not be filed and are withdrawn. Therefore the minor damages reported by me to XXXX are for " reporting purposes only ''. XXXX has and will not expend revenue in any means whatsoever on these particular claims that are now " closed ''. As you know, this erroneous reporting by the aforementioned companies can seriously affect my renewal and/ or renewal rates. Initially, I filed a dispute with XXXX and after ordering my XXXX XXXX Auto report for a second time found that only one or two of the attached claims were indeed removed. I filed a dispute with LexisNexisXXXX XXXX, waited three weeks and received the same report with no changes. Immediately I called XXXX and the person who generated the letters told me I needed to contact the Service Department. I called the XXXX Service Department over the XXXX XXXX XXXX weekend and she told me she had no way to access the letters and she transferred me to the Claims Department. The lady in the Claims Department instructed me to contact the person who generated the letters because she could do nothing for me. I called the person ( XXXX XXXX ), who generated the letters of Claim Withdrawal and she stated that she would inform the Underwriting Department at XXXX to remove the remaining three claims. I checked my XXXX XXXX Auto report this morning and nothing has been done about this issue. Also, LexisNexis has a bad policy of reporting 'Possible Related Claims '' ( PRC ), on most XXXX XXXX XXXX XXXX by geographically matching someone 's Surname to other claims. I am a XXXX person over XXXX with a XXXX child in another state. I have spent the last six weeks trying to get my report corrected. In that time period LexisNexis has reported other claims on my XXXX . Auto Report of people I do n't even know. There is a lot of other people 's personal information on these claims that show up on another 's report. As a prior victim of Identity Theft I believe this practice is dangerous for any consumer. When they engage in this misleading business tactic they never inform or ask the actual person affected if these people are related to, or on their policy. Please help me to resolve these issues. You have helped me in the past and the CFPB does great work. Thank You!
03/30/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • TN
  • 37415
Web
Vetting Agents - I was told to submit this way due to no topic that fits. 2 Years ago I was told the LexisNexis.com product line was being used to VET agents, the fair credit reporting act allowed them to do this daily and share our information with millions of employees and contractors in the USA and XXXX and other countries they accessed our personal information SS #, DL #, CreditReports, HomeAddress, DOB, last know address and associates. daily and sometimes multiple times daily. I am a XXXX employee XXXX. In order to get help we have to disclose our cell number so they can VET us by texting us a code that we have to repeat back to them, in order to receive a code they go into the LEXISNEXIS portal and ask us personal questions that we have to give them the answers to. The same information required when getting a loan or car insurance. we are asked this no matter if we are in a public place around people whom have no right to our private information, our clients have no right to our private information. After many complaints, We were then told it had to be our billing address belonging to our Cell Phone, I changed my cell bill legally to my XXXX, and they refused to accept it saying fair credit reporting required us to use our home address, then we were told it had to be our personal address where we lived. But then later they starting asking for DL #, model make color of our cars and address where we have lived. People or Companies we may have been associated with in the past. We have the expected right to privacy just like any Agent on the street. This portal is being accessed by millions whom have not been given permission nor should ever have it for this VETTING purpose. This function has nothing to do with our private information. I contacted the state of Tennessee on many levels, our local Court House, XXXX, XXXX the United Postal service, they were all asked the same question do sell my private information or give it to anyone? They all said no that this is public information? but none of them could tell me where you can find my SS #, DL # Home address, Cell number, in public or on the internet, without some kind of written consent from me. I have not given LexisNexis consent to have my private information much less distribute to millions who can access their portal who also do n't have my consent to do so. I contacted LexisNexis asked them to remove my information from their system 2 years ago it has yet to be done.
01/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43068
Web
I have been requesting validation and verification from Lexis Nexis in regards to Bankruptcy # XXXX that is being reported to all three major credit bureaus such as XXXX XXXX XXXX as well as other agencies. I have been trying to obtain this information from Lexis Nexis for several years now and they keep coming back telling me the information has been verified but they are refusing to inform me of the sources they used to verify such information. On XX/XX/XXXX, I requested that Lexis Nexis send me copies of the documents that they have on file that was used to verify the accuracy of said bankruptcy # XXXX. They responded by sending me a copy of " lexis Nexis credit report '' saying verified. I spoke with someone in XXXX of XXXX and I was advised that the bankruptcy was verified through the bankruptcy court. On XX/XX/XXXX, I reached out to the XXXX system to find out their procedures of validating bankruptcies to credit bureaus and was advised they don't do that. On XX/XX/XXXX, I received a letter from the US bankruptcy court stating they do not report any information to the credit reporting agencies. On XX/XX/XXXX, I reached out to Lexis Nexis yet again in writing concerned about the validity and accuracy of their reporting such information on my credit report. Lexis Nexis responds in writing telling me they submitted my dispute to the XXXX credit bureaus. That is not what I requested from them. Lexis Nexis is in violation of section 609 and 611 due to not conducting a proper investigation and not correcting inaccurate information. On XX/XX/XXXX I called Lexis Nexis to check on the status of my request and I was told my request was submitted incorrectly and I would be hearing back from them soon. Later that day, XXXX to be exact, Supervisor XXXX Id # XXXX called me and told me that this bankruptcy was verified by the court. She could not provide me any other information. I explained to her that this company is violating the law and because of this they have no right to report such information on me. I also advised if they couldn't provide me with the requested information then they need to remove this reporting within XXXX hours. XXXX was supposed to follow up with me on XX/XX/XXXX, and I have not heard back from her. Lexis Nexis has proven their inability to furnish legal verification but yet still continues to tarnish my character. I demand that they removed this negatived listing from ALL CREDIT REPORTING AGENCIES IMMEDIATELY!
09/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 94555
Web
I have sent numerous dispute letters to XXXX about a furnisher /public record named XXXX XXXX XXXX XXXX XXXX XXXX they are reporting on my credit report. XXXX claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX XXXX XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor Lexis Nexis ( who by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with Lexis Nexis has been locked from access how is XXXX able to verify this? I 'm very dumbfounded. If XXXX is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? Nonetheless, I made my own request directly to XXXX XXXX XXXX XXXX XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is XXXX and Lexis Nexis able to verify so quickly with the court and mark it as " verified '' and close my dispute? With XXXX XXXX response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to XXXX and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from Lexis Nexis or the furnisher. Again, each dispute I 've sent to XXXX answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have XXXX correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with Lexis Nexis and/or the XXXX XXXX XXXX XXXX XXXX XXXX. I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.
10/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OR
  • 97015
Web
Upon receiving a pre-employment screening report, I noticed there is an outdated address in California showing ( I haven't lived in CA in 16 years ) and also a record check in Arizona that is completely incorrect ( I have never resided in the state ). I contacted the screening provider, XXXX XXXX XXXX, presented the report and noted the outdated and incorrect information. It took several phone calls and an unnecessarily long e-mail thread over 5 days for them to relay their contact company they received the information from I would need to contact ; Lexis Nexis. I opened a ticket with Lexis Nexis on their website under the appropriate category on XX/XX/XXXX, informing them of the same outdated and incorrect information on my background screening, and attached a copy of the report. 10 days later on XXXX, they responded and indicated they needed me to provide a copy of the dead individual. No one died, and I communicated nothing of that to them so that was confusing and I began to lose faith in their literacy and competence. I again repeated my request. 11 days later on XX/XX/XXXX, they responded informing me they don't deal with my issue in their department and would need to contact the department of Lexis Nexis that handles background screens. I found this frustrating and an unnecessary delay having opened a ticket on their website under the correct category 22 days earlier. Regardless, wanting to finish the issue, I called the phone number today, XX/XX/XXXX. The representative I spoke to, after XXXX minutes of being very confused, informed me the company I Was calling was XXXX XXXX, which is a background screening company, and they had no record of a report being run on me in XXXX.This was very frustrating. I Tried to verify that they provided information to LexisNexis, the representative said he couldn't provide that information to me, but that they did not run a background report on me, and that I should contact LexisNexis. Tomorrow marks 30 days, many e-mails I've attached, about 5 phone calls and much of my wasted time for what should be a simple, functional and *IS* a legally guaranteed removal of incorrect or outdated information on my background report. I would like to request maximum penalties for LexisNexis for incompetence. If you could please provide me information the legal recourse I have to pursue damages or legal action against them for failing to abide by the FCRA I would appreciate it as well.
05/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • NE
  • 68005
Web Servicemember
On XX/XX/XXXX I found after several phone calls and investigative questions that a company by the name of LexisNexis reported false and derogatory information regarding an accident that I was involved with onXX/XX/XXXXin the fact that according to XXXX XXXX, their 3rd party reporting company " LexisNexis '' provided a report stating that the NE DMV records purportedly revealed that I was " At Fault '' pursuant to a Nebraska DMV record they pulled. Because of this information, my rates were provided at an increase for insurance product. In arguing the finding I was told that XXXX used this 3rd party reporting company and that there was nothing that could be done ... WHAT??? So I'm just supposed to sit back and eat that proverbial sandwich? Not hardly! I immediately contacted the Nebraska DMV who provided ( at the cost of {$3.00} ) a report that clearly states " An entry for an accident which may appear below is for statistical purposes only and does not indicate a determination of fault '' and went on to describe the date and report number of this accident. Further, the Gentlemen at the Nebraska Department of Motor Vehicles stated that they do not provide any information of guilt or not for an accident, so they do not know where XXXX or LexisNexis would have pulled this information. I then personally drove to the XXXX NE Police Department and obtained a copy of the police report from the accident which CLEARLY INDICATES that the other driver was AT FAULT AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, causing me bodily harm and totaling the vehicle in which I WAS DRIVING. This blatant and outright defamatory information that this 3rd party company " LexisNexis '' is providing to XXXX knows who is absolutely uncalled for and erroneous in every fashion with respect to this matter, in addition it has cost me at this point over 3 hours of my time and personal expense to correct an issue that absolutely otherwise does not exist in any NE DMV or XXXX Police Department or public office. I find this to be a gross negligence of their actions and a dereliction of their responsibility to properly report the public findings on me, and if this information is incorrect, what else is, and who else have they done this to that may or may not realize it ; especially when at the end of the day their negligence causes a rate increase that is not warranted or called for and blemishes my otherwise impeccable driving record!
05/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AZ
  • 85013
Web
On XX/XX/XXXX I submitted a dispute with the Consumer Financial Protection Bureau regarding LexisNexis about several inquiries and other items that were inaccurately reporting to my LexisNexis disclosure file without my knowledge and permission. After submitting the dispute to the Consumer Financial Protection Bureau, LexisNexis responded two weeks later through the Consumer Financial Protection Bureau on XX/XX/XXXX stating that they could not validate my identity. This would be incorrect and a complete lie because as of XX/XX/XXXX LexisNexis has received all validation of my identity via Post Office asking for a signature upon delivery with receipt regarding my dispute. Before submitting an online dispute with the Consumer Financial Protection Bureau, I physically mailed this same dispute on XX/XX/XXXX and on XX/XX/XXXX my dispute to LexisNexis with all documents was signed and delivered. Since this day on XX/XX/XXXX I have yet to hear a response through the mail or otherwise from LexisNexis about the dispute that was mailed to them via Post Office receipt with signature. This is a pure violation of the Fair Credit Reporting Act and I do intend to go down to court to file a lawsuit on XX/XX/XXXX to stop this from happening again. I don't care how much it cost to file a lawsuit or how long it will take, but I do know by going to court this will stop and I will be awarded financial damages for these violations that LexisNexis has committed. Avoiding my dispute and not responding to my dispute stops today. If the Consumer Financial Protection Bureau can not help me and see that LexisNexis is clearly violating my consumer rights then I have no other choice but to drag this into a court of law. Several violations have been committed on the part of LexisNexis. These violations are : not responding to the consumers dispute, re-inserting deleted information named ( XXXX XXXX ) back into my LexisNexis disclosure file with notifying me and several other inquiries that were done without my knowledge. As you can see on XX/XX/XXXX the item named XXXX XXXX that was disputed was removed from my LexisNexis disclosure file and on XX/XX/XXXX the following month this same item name XXXX XXXX was re-inserted back into my LexisNexis disclosure file without notifying me. The letter from LexisNexis dated on XX/XX/XXXX, clearly stated that the item was removed. Again no response from LexisNexis has been initiated since XX/XX/XXXX.
06/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85374
Web
Someone else 's homeowners insurance policy was placed on my LexisNexis CLUE report. I have no financial obligation to the policy, nor to the property. How is this even possible? How in the world would XXXX XXXX or Lexis Nexis even have my personal information if it is not on the policy to use to add me to a policy without the policy holdes approval and to start to report against me when I am not a party to the claims? This is beyond unbelievable. I have spoken with XXXX XXXX from the XXXXXXXX KS office XXXX and he confirmed that I am not on the policy and never have been. In fact, claims that occured before I was in the residence are added to my CLUE file. I have complained to Lexis Nexis that I am not on the policy. However, you will see that it is my name on the report listed as Subscriber # 1. I am not on the pollicy in anyway. No tenant/care taker/renter should ever have the homeowners policy attached to their report. According to LexisNexis, XXXX insurance has validated this as accurate in the disputes I have called in to Lexis Nexis. As you can see from the paperwork attached, LexisNexis chose not to follow the law and get a copy of the homeowners policy from XXXX or the local agent XXXX XXXX to prove that I have a financial responsibility to this account to verify its accurancy. Instead they tried to collect more personal data on a non-property owner and non-policy holder. This is a violation of my rights by XXXX, XXXX XXXX XXXX as well as Lexis Nexis. It is against FRCA to report accounts that are not mine and to verify them as accurate without documentation and an investigation. Furthermore, I have been advised that it violates insurance reporting to attach random claims to someone not responsible for the debt. This is beyond ridiculous that it has taken 6 months for this to not be handled. I demand this be removed from my report immediately. I have called LexisNexis 3 times to dispute this and they told me it is MY problem to validate that it isnt mine. You have to be kidding me? I am supposed to ask the homeowner and policy holder for their policy, Social Security Number, Date of Birth and all to prove it isnt me while supplying all this information on me as well. Hmmmm, this is not how the law works. They need to prove this information, which they can not as I am not on the policy and have no ownership stake in the property. Please investigate and ensure this gets removed from my CLUE and A-Plus reports.
04/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 60620
Web
To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
01/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32256
Web Servicemember
On XX/XX/2021, I sent a letter to LexisNexis regarding fraudulent, unverified information they have on my credit report. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. LexisNexis is required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Much of the information they have listed on my LexisNexis report is no where to be found on any of my credit reports with XXXX, XXXX or XXXX. So where is LexisNexis getting the information from? Where are the applications, the wet signatures, proof of identity that they used to verify my information? They have multiple variations of my name, which all are incorrect, yet they " claim '' they've have verified it. Please ask LexisNexis to provide us proof of the information they used to verify this information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible 100 % accuracy in the credit reports you publish. Your agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they have proof. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to act as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.
10/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • VA
  • 22191
Web
Over the last year or so i have been disputing Lexis Nexis on the claim that on my public record on my credit report. They have reported my bankruptcy on my XXXX and my XXXX credit report since XX/XX/2016 and through when i got discharge in XX/XX/2016. On my credit report listed under the public record part and it shows on my credit report that they were the source that the credit bureau receive my bankruptcy information. Recently i have disputed this with Lexis Nexis to disputed the bankruptcy and it comes back with no change at all. i disputed my public record with the credit reporting agency XXXX and XXXX XXXX stating that there were in accuracy on the bankruptcy on my credit report and also why would a bankruptcy appear on ones credit report i thought if there were any issue on how it was put on how do we dispute this and get it remove. i reach out to the court house where my bankruptcy was done and i was told in person and they mail me a letter out that state that the bankruptcy court does not verify bankruptcy to anyone. They dont dispute bankruptcy through third party agency or through the credit bureau. Each ones bankruptcy is mask and it only shows the last 4 digit number of ones social security number. So i send off a email to pacer and they sent me email back that state pacer does not directly verify federal case information to third parties by phone fax or email. it also states this information does not included ones full social security number .All that may be accessed through pacer are the last 4 digits of ones social security number which pacer phone number is XXXX. ON my XXXX credit report it shows under public record as the court house usbkpt ct va XXXX On my XXXX XXXX credit report under the public record usbk court XXXX virginia. There are some issue on how this was put on my credit report and there are some other issues ON MY XXXX XXXX CREDIT REPORT IT SHOWING THE WRONG DATE FILED AND WRONF DATE PAID AND UPDATED. .ON XXXX IT SHOWING ADDRESS ID UNDER THIS AS XXXX. THE ADDRESS ID IS NOT RIGHT.. UNDER PURSUANT TO 15 USC 1681 LEXIS NEXIS MUST IDENTIFY THE IMMEDIATE SUPPLIER OF THE INFORMATION REPORTED IN ORDER TO ACCURATE IDENTIFY THE SOURCE OF THE INFORMATION ON A CREDIT REPORT.. THE INFORMATION WAS NOT SUPPLY BY THE COURTHOUSE. AS A CONSUMER I MUST BE ABLE TO DIRECTLY DISPUTE INACCURATE INFORMATION. THIS BANKRUPTCY SHOULD BE REMOVE OFF OF MY CREDIT REPORT WITH MANY INACCURATE INFORMATION.
06/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 38109
Web
On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXXXXXX. I was then advised that I needed to open another dispute with XXXX which I did. On XX/XX/XXXX another dispute was opened, and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX yet they are choosing not to do the rightful thing, and that is to remove this negative item. Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX is refusing to remove it.
05/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32223
Web Older American
On XX/XX/2021 I applied for a home owners insurance policy for my investment property. My Broker, XXXX XXXX XXXX XXXX, XXXX, was successful in placing the policy through XXXX XXXX XXXX in XXXX, FL. Shortly there after I received a letter XXXX dated XX/XX/XXXX ) indicating that the rate I was charged was increased due to credit data received from LexixNexis. Letter listed four reasons : - Account with a reported delinquency Including bad debt - # accounts with a reported with 30 day late payments - # of accounts that have been established - # of acccounts with 30 day or worse late payments within the las 30 day. As my credit is essentially perfect ( current credit score XXXX XXXX, I immediately requested the data records from LexisNexis. On XX/XX/XXXX I received their response and after a comprehensive review, I found that ALL of the credit reported belonged to my son. The file correctly reflected his name ( same as mine with a different middle name ) and social security number and his address ( the investment property where he lives ). Today, XX/XX/XXXX I contacted LexisNexis and requested they correct the report and only report credit which has my Social Security number, home address, and DOB. I also requested they send the corrected copy to XXXX XXXX Insurance. I was advised that they couldn't do that as XXXX XXXX 's inquiry did not provide any social security or DOB information. Nor did it included a middle initial. The address they submitted was the investment property not my mailing address. Based on the vague/incomplete request they indicated that they had provided the information requested. Therefore, I would need to have XXXX Insurance re-submit the request with the correct parameters. Based on the feedback from LexisNexis I contacted XXXX Insurance who very quickly told me that they would not re-submit and that I needed to go to LexisNexis and have a consumer comment indicating an error in the file. They also indicated that this would not removed the surcharge on my insurance. After I insisted that this was not legal indicating that they can not charge me a surcharge due to their error, I was told there was nothing they could do and after I indicated that I would raise this to the regulators I was hung up on. Net, net. XXXX Insurance submitted an incomplete and erroneous credit request and refuses to correct their error which is resulting in an increased premium which they are not entitled to.
04/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NJ
  • 07201
Web
My name is XXXX XXXX and in XXXX I had to file Chapter XXXX. It was the only way to save my home, I am the only person working in my house. I have children and my wife to provide for. I do understand that my credit has to undergo the worse scenario, but I know time heals. My insurance went up like crazy due to a report received by LexisNexis Consumer Center in XXXX. I understand that, but around XXXX my credit started to get better and better. I opened new credit cards, my mortgage payments were on time, I had a stable job, etc. I noticed that my car and house policies increased in price. Then, at the end of my policy renovation, I saw an explanation from my insurance company with the reason why my policy was going up in the first place ( due to the report from LexisNexis ). My agent told me to contact them and see if they can fix the problem. I contacted them and they sent me a huge report with my credit history, saying that there is nothing they can do because my record was updated at that time. I was saddened and upset by the situation. All I thought about was if it even was possible to fix this situation, eventually, I let it pass. Today, I rechecked my policy renovation and again I noticed the same negative report of my credit history. It demonstrated the same misleading information that was supposed to be fixed. I say that because I have an account with XX/XX/XXXX the credit bureau, which monitors my credit. I also protect my social security and as well as my family 's. My credit now is very different from what it was in XXXX and even in XXXX. I realized that I had to converse with the customer representative from my insurance company. I spoke to the underwriter and she told me that the employees from Lexis Nexis never updated my reports, even when I asked them in XXXX to do so. When I explained my situation to her, she decided to remove LexisNexis from my insurance policies, and right away my premium went down almost {$1600.00} per year. Again, she stated that this report never got updated since XXXX, but when I submitted a request to update my records, LexisNexis told me that it was updated, which was completely untrue. The damage done to my familial economy by this situation is inexcusable, simply because of the incompetence of this company. The company lied and never made my results up to date, which caused havoc and extreme difficulty to reestablish my family and I 's life again.
04/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33573
Web Servicemember
This is A FRAUDULENT bankruptcy being reported under my name inaccurately. I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX the filing date is listed XX/XX/XXXX however XXXX lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. XXXX Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
06/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 13224
Web
I called XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. clearly put, LEXIS NEXIS fished for this negative bankruptcy information, then sold it to the credit reporting agencies to make money from ruining my reputation and ability to obtain new credit.
12/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29730
Web
XX/XX/2021, LexisNexis is required by law to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as the fair credit reporting act states in 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Information SHALL NOT INCLUDE specific factual information ON a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 U.S. Code 1681a - Definitions ; rules of construction. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I DID NOT GIVE LEXISNEXIS WRITTEN PERMISSION TO ADD A BANKRUPTCY TO MY CONSUMER REPORT. The next law states that very clearly.15 U.S. Code 1681b - Permissible purposes of consumer reports- 15 U.S Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency MAY furnish a consumer report under the following circumstances AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis is exercising unfair practices and violating the F.C.R.A. because I have not and will not give a consumer reporting agency permission to put anything on my consumer report. As a consumer I want the bankruptcy DELETED from my consumer report IMMEDIATELY. I have attached document for proof because LexisNexis is reporting this to XXXX, XXXX and XXXX without my CONSENT as well.
07/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • OH
  • 44035
Web Servicemember
On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by Lexis Nexis. Lexis Nexis had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. As of XX/XX/2018, I have not heard any response from Nexis Lexis. I have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that Lexis Nexis had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the Lexis Nexis had in their file. Still I had not received a response from Lexis Nexis regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from Nexis Lexis stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. He, ( XXXX ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that Lexis Nexis should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from Nexis Lexis and they are the furnisher of the public record 3rd party vendor of the public record and not the court. I am requested that this information be removed from my report for final resolution due to the activities of Nexis Lexis for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.
07/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • UT
  • 84120
Web
I have requested LexisNexis in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days LexisNexis responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, LexisNexis has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that LexisNexis uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more LexisNexis was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
02/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33066
Web Older American
On XX/XX/XXXX, SSA outsourced to LexisNexis, aka Accuity Asset Verification , & Acurint 3 Inquiry History Reports for the date range XX/XX/XXXX - XX/XX/XXXX. As is standard procedure, SSA had a duly executed authorized for release of private financial information for me, XXXX XXXX, an SSI recipient, but not my mother, XXXX XXXX, who is NOT an SSI recipient. LexisNexis/Accuity/Acurint did solely a name match with XXXX XXXX, XXXX, to a savings account in my mother XXXX XXXX 's name, for which I am not associated, except that I am a Payable upon death beneficiary. For this false match, SSA unilaterally cut off XXXX XXXX XXXX SSI Beneifts on XX/XX/XXXX & would not entertain any proof from XXXX XXXX, XXXX, that I, XXXX XXXX had no access to the account nor that proof from XXXX XXXX, NA that this account is Titled solely to XXXX XXXX. LexisNexis/Accuity/Acurint stated their investigations could take beyond 30 days and XXXX XXXX, XXXX did not always cooperate. Neither LexisNexis/Accuity/Acurint nor SSA would accept any documentation directly from XXXX XXXX, XXXX, yet I was the loser, having lost my very needed XXXX Benefits. In XXXX, Attorney XXXX XXXX of the XXXX has filed an Amicus Brief in this matter in Federal Court, styled XXXX v XXXX XXXX XXXX. In XXXX, Attorney XXXX XXXX wrote a legal scholarly paper on behalf of the XXXX oh how LexisNexis/Accuity/Acurint & SSA 's " false match '' tactics deprive SSI recipients of basic due process. In the XX/XX/XXXX issue of XXXX XXXX, an article written by XXXX XXXX XXXX XXXX called " When LexisNexis Makes a Mistake, You Pay For It ''. It outlined cases where victims of LexisNexis/Accuity/Acurint 's mistakes have fought for years to clear their names. Several are still fighting. This is an unacceptable. For SSA to accept hands down, without question an asset report that is fatally flawed is egregious. This is definitely a violation of due process. People on SSI need their benefits. SSA employees act like dictatorial enforcement officers, calling out the beneficiaries as liars, hiding assets they do not have. This must stop. My XXXX has been stopped. I have bills I can not pay. I face homelessness because of this egregious practice, and an SSA employee, who treated me, an elderly, XXXX person, so badly, he actually brought on a XXXX. Before that, I had not had a XXXX in 7 years.
06/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • TX
  • 77471
Web Servicemember
XX/XX/2019, I requested a full file disclosure from LexisNexis. I looked over the report and noted inaccurate information in my credit file reporting pertaining to a bankruptcy. I disputed the information with the credit reporting on several occasions in writing via US Mail. I called LexisNexis last week due to repeat response " we do not have sufficient data matching your request '' I called the company. I spoke to the rep who informed me that due to my file being frozen they could not initiate a dispute and that is why I received the letters. I asked her if it was right to dispute via written and she stated yes. She acknowledged that a dispute should have been completed but was not because my file was frozen. She told me when the file is frozen she can not access any information. She told me send my drivers license so she can authenticate my identity and then she will be able to access my consumer file. After uploading my driver 's license to verify my identity, the representative state that she could complete a dispute if there was a bankruptcy on my credit file. She told me that she did not see a bankruptcy in my credit file and would send me a report in the mail. I received a report in the mail today and it did appear be a full file disclosure. It did not obtain the XXXX XXXX XXXX XXXX Report. What I received today did not include any data of what LexisNexis is reporting in my file including the XXXX Consumer Disclosure Report. I believe my rights are being violated and LexisNexis is refusing to provide me with a full file disclosure. I wrote LexisNexis and told them I was disputing the bankruptcy as it is tied to a social security number that belongs to another individual. I am aware of this only because the individuals full Social Security Number is listed in the bankruptcy data. I made LexisNexis aware of this in my written dispute and several times and asking why social security numbers and public record data that belongs to another individual is listed in my consumer file. I also raised the question if my social security number and other personal information is listed in someone else 's consumer file. Thus exposing all parties to identity theft. A data breach was not necessary as LexisNexis provided me the social security number along with a name for the individual listed in the bankruptcy.
03/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08093
Web
I had recently discovered that XXXX XXXX XXXX, are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By sharing my ( Bankruptcy # XXXX ) with XXXX XXXX, XXXX XXXX XXXX which it clearly state on my credit reports that these CREDIT BUREAS use your company to report informations on my credit file. ( letter attached ) Because your company shared my personal information thats a VITAL violation of my consumers right to privacy under the fair credit reporting act 15 U.S.C. 1681 et seq., Congressional findings sec. A 4. Because i never give my consent or permission to Lexis Nexis to furnish my personal information to anyone. I DEMAND YOU, XXXX XXXX, XXXX AND XXXX remove the bankruptcy IMMEDIATELY FROM MY FILE as YALL knowingly violated the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. FOR SHARING MY PERSONAL INFORMATIONS. This item ( Bankruptcy # XXXX ) should be removed IMMEDIATELY I have attached a VERIFICATION PROCEDURE LETTER from US bankruptcy court District of New jersey where it state that they DO NOT report information directly to the CREDIT BUREAUS. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA ONCE YOU HAVE REMOVED ( Bankruptcy # XXXX ) PLEASE SEND ME A UPDATED REPORT THANK YOU
10/16/2015 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • MI
  • 48619
Web
In XXXX I moved back to XXXX after living in XXXX for 2 years.Because I had a company vehicle, I did n't need car insurance, so when I returned in state I again needed insurance so I got XXXX of XXXX.they told me because I had no insurance for the last few years I would need a rider on my policy.I was given no choice in the matter and XXXX chose a person in my household, they told me this was temporary until I established a history with them.every few months I would ask XXXX when could my insurance go down and the rider be removed, but all I got were blank stares and the same response that they could do this and I had no choice in the matter.I tried to change my insurance company on several occasions but they 're rates were to high.after a few years my rider XXXX AAA kept her as my rider for another year, even laughing in my face when I dared ask why she was still my rider.When they finally changed my rider they raised my rates.when I bought a newer vehicle they raised my rates.they raised my premium to {$350.00} a month, despite the fact a had no claims, no accidents, and no tickets.This is when I found out my rates were n't based on my driving record but on my credit.which was good before XXXX of XXXX drove it into the ground.you see XXXX used XXXX of XXXX XXXX to determine how good I drove in XXXX Nexus and XXXX used faulty information to price gouge on car insurance.they even chose for my new rider XXXX XXXX, my room mate even though she was ruled by a court of law to not be able to be in charge of her own finances.I had partial ownership of XXXX properties, yet XXXX said I did not.I 've since lost XXXX houses due to XXXX wrongful billing.I 've been forced to move out of that household and away from my family in order to get affordable car insurance.my friend in addition to losing his wife had to return his vehicle because I 'm no longer there to pay for it, he 's a XXXX vet and he used his vehicle to take other members of his family to there doctors appointments.AAA and Lexus Nexus in addition to screwing up my life has totally screwed up my friends life as well.I personally will never recommend them to anyone.I 'm also highly disturbed that LexusNexus is given carte blanche to do as it pleases with regards to my life without first contacting me and confirming any information they use about me.
12/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43213
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX I XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate
12/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • NY
  • 10005
Web
I requested my Lexis Nexis full file disclosure seven separate times since XX/XX/XXXX. I went online and printed out the Lexis Nexis Full File Disclosure Form and included a copy of my NYSID with my current address and a copy of my social security card the four times I mailed the request to Lexis Nexis at their PO Box address in XXXX, GA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each of these times Lexis Nexis did not send me anything back regarding my full file disclosure request or furnish me with a copy of my full file disclosure. In addition to these four requests, I made 2 additional requests on the Official Lexis Nexis website and reveievd two separate letters back from Lexis Nexis dated XX/XX/XXXX and XX/XX/XXXX reapectively under Consumer Number : XXXX, Case Number : XXXX stating that no file could be found using my correct social security number, name and date of birth. This is false considering that Lexis Nexis furnished me with a full file disclosure admin requesting now in the past on XX/XX/XXXX under case number XXXX XXXX XXXX. An email was sent to XXXX per the XX/XX/XXXX and XX/XX/XXXX responses from Lexis Nexis including an additional copy of both my SAA card and unexpired NYSID with my current address on it asking for a full file disclosure OR why a full file disclosure can not be furnished to me. Lexis Nexis mailed me two separate letters that I received in XX/XX/XXXX stating that my consumer report could not be found using my name and social security number even though I still have a copy of a previous full file disclosure of my consumer reports dates XX/XX/XXXX under case XXXX XXXX XXXX or case XXXX which directly contradicts the fact that Lexis Nexis is alleging that I don't have any consumer reports using my sensitive personal information when in fact I do. An additional full file disclosure request with a copy of my social security card and my unexpired NYSID with my current address on it was overnighted to Lexis Nexis using XXXX tracking number XXXX. I have not heard back from Lexis Nexis regarding these matters. A compliant with the XXXX was also filed against Lexis Nexis for failure to provide me with a full file Disclosure ( copy of all the consumer reports they hold under my name and social security number ) under XXXX XXXX Case XXXX.
10/30/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92394
Web
Hello, In XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy and compliance of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. They responded back and said it was verified as accurate. I sent another letter to them in XXXX requesting the procedure that they used to verify the accuracy and to also send me copies of names, addresses and phone numbers of each person they contacted from the court. They responded back with a letter saying that I requested them to initiate a dispute on my behalf with XXXX XXXX and XXXX, and that I would have to dispute each agency separately myself. THIS WAS NEVER IN MY LETTER!!! Also, In XXXX, I requested that LexisNexis put a security freeze on my report. That was granted on XX/XX/2018 and is still in effect today. Because they failed to provide me the information that I initially requested, I sent them another certified letter in XXXX requesting the same information to either be accurately verified or removed from my report. This time, they NEVER RESPONDED AT ALL! So, I sent them another certified letter in XXXX to inform them that by not replying in a timely manner to my initial letter dated XX/XX/2018, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Then, for whatever reason, they initiated an investigation with both XXXX and XXXX without my knowledge, nor my permission, and responded back saying that the public record on my report had been verified, and that the source of their verification was XXXX??? At this point, I realized that they are just playing games! However as one last act of good faith, I sent out two more certified letters to both LexisNexis headquarters and to the CEO of the company on XX/XX/2018 asking still, for the proper proof of verification from the court. They both responded with the same letters saying that I need to launch my own separate investigations with XXXX XXXX and XXXX! This is ridiculous! I'm tired of playing these games with them!!!
03/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 60153
Web
I have repeatedly asked lexisnexis not only to verify the accuracy of the bankruptcy on my file but as is my right I requested the method of verification ie how the accuracy of this item was sourced ... To this they have not provided this information. 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. Please provide the information we requested ...
11/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43068
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX I am filing a CFPB complaint on my own behalf it is my legal right to do so. I am not an attorney or a third party. I am a victim of ID Theft. I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Please delete the fraudulent accounts My name is XXXX XXXX XXXX XXXX Please delete any other variations of my name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX Please Delete Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SUNFLOWER CT XXXX, CA XXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Phone number is : ( XXXX ) XXXX PLEASE DELETE HARD INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
07/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • GA
  • 30339
Web Servicemember
I have contacted both XXXX ,