Verisk Analytics Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/11/2021	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
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 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 : 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 : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly.EXXXX 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
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NJ 08724	Web
On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX received a dispute from me in reference to an alleged XXXX XXXX Bankruptcy that is erroneously placed on my report that is on file with them Tracking ID : XXXX. In response to my dispute of this XXXX responded with the attached letter stating that the information had been " verified as accurate '' by XXXX XXXX XXXX ( XXXX ). In response to this, I then sent a letter to XXXX requesting their method of verification, which is my right under FCRA Section 611. I asked for specific information pertaining to how the investigation was completed and who they referenced from the specified courthouse to obtain my information and citing several violations to my Rights under FCRA ( letter attached ). Instead of, providing the information I requested, XXXX responded with the attached letter, putting the responsibility on me " the consumer '', to contact the data source directly to resolve the issue, which they referenced as the XXXX XXXX XXXX In the letter they sent me, they reference themselves as the " furnisher '' and under FCRA " the furnisher '' has an obligation to only provide verified information that they know to be 100 % accurate to CRAs. XXXX has failed to adequately perform their obligation here and it is their responsibility to verify and validate information before furnishing it to other parties, not mine. XXXX has grossly violated my rights not only under FCRA Section 611 by not providing their method of verification but have continued violate my rights under FCRA Section 623 in reference to their obligations as furnishers. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I am requesting immediate remedy in terms of how my rights are being violated now and previously based on the violations in previous paperwork attached to this complaint. I am further requesting that this complaint not be closed with explanation and that all parties respond here in reference to this complaint. I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute, including but not limited to : Name of the courthouse ; Persons name you verified the bankruptcy with ; Address ; Telephone number ; and Documentation furnished by the court, via a court employee, which would be the original creditor, used to verify the dispute. Additionally, I want to reference here as I referenced in my letter to XXXX that also they have violated my FCRA rights : 15 USC 1681 ( a ) ( 4 ) you have violated my right to privacy by going about fishing for erroneous negative information to put onto my credit file and additionally furnishing a 3rd party with information revealing alleged assets ( please see attached paperwork that was furnished by you to XXXX ) - 15 USC 1681 ( b ) ( 2 ) you do not have permissible purpose, nor do you have written instruction to furnish any potential information about me or provide any documents defaming my character to any credit reporting agency. - 15 USC 1681e ( B ) you are required to follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. I addressed all this in my letter to XXXX as well as asked for their Method of Verification, but instead of addressing my concerns or providing me with what I asked for they sent a seemingly templated response ( see attached ).
05/23/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TN 38109	Web
On XX/XX/2021 I mailed a certified letter to LCI requesting a method of verification for a previously disputed bankruptcy with XXXX on XXXX XXXX. XXXX advised that they confirmed bankruptcy XXXX was verified as accurate by this company and that I would need to follow up with them, as they are the company used to research public records. My first contact was made with a method of verification letter that was sent certified. I paid for certified mailing with The United States Postal Service so that I could have a tracking number which is XXXX XXXX XXXX XXXX XXXX and it confirms it was delivered and signed for on XX/XX/2021 at XXXX. LCI failed to reply to my certified letter within the allowed time frame for a method of verification request. According to the FCRA, a company is allowed 15 days from the date of request to reply. On XXXX XXXX LCI mailed me a letter that never responded to my first letter. Instead, it states In order for them to dispute the accuracy of the bankruptcy I would need to send a letter or email and include the basis for the dispute and all substantial information. This was already ready disputed with Transunion, and I did not request another dispute with LCI. I requested a method of verification which I requested they send the evidence of how they verified this bankruptcy was mines. Instead of them responding with that information they deflected from doing so and sent me the attached letter. So I decided to reply to their response by email on XXXX XXXX and requested the same information. I again asked for a method of verification for the previously disputed bankruptcy with XXXX In my email I asked once again for the company to provide what method of verification they used to confirm this chapter XXXX bankruptcy and advised that according to the FCRA, a method of verification is to be completed within 15 days of receiving the request. I advised that they failed to respond to the initial letter that was received on XX/XX/2021, within the 15 allotted days. I also advised that since they failed to respond that the inaccurate bankruptcy has to be deleted. On XX/XX/2021, they respond to my email and STILL failed to address my request that was sent via email again for the method of verification. Instead they replied with the attached letter, and stated they received my correspondence on XX/XX/2021 requesting to freeze my credit report. This company also replied with inaccurate information on the letter which I attached. The spelling of my name is inaccurate. They spelled my last name as XXXX and that is not correct. My last name is spelled as XXXX, and I will attach my driver license. They also has an inaccurate spelling of my address. They have my address as XXXX XXXX XXXX XXXX XXXX. My correct address is XXXX XXXX XXXX XXXX XXXX. These are clear indicators that they have inaccurate information, and could have even possibly mixed my information with that of someone else. I never requested my credit report to be frozen. This again is another example of this company failing to respond to numerous requests for a method of verification. This company is refusing to reply to my request as I am sure they are unable to verify this inaccurate bankruptcy, therefore they are deflecting from responding to my method of verification requests. I have attached the email I sent on XX/XX/2021 which confirms I asked only for a method of verification, not a credit freeze. This company has violated my rights and I wish to file a complaint.
01/09/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	MI 48180	Web
XX/XX/2021 Dear, CFPB & To Whom It may concerned I obtained my credit report from XXXX and there were U.S. Bankrupcty Court listed. For the FCRA 623 ( a ) ( 5 ) : If LCI Financial Consultant can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said Information from consumer credit file. The county Recorder of Deeds and Bankrupcty Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, and/or other third parties 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 Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U.S. Bankrupcty Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they have 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 Bankrupcty information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You 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 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 verifythrough physical verification of the original signed consumer contract and/or judgement ( 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 filling a compliant 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 the XXXX Credit Reporting Bureau. 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.
09/29/2021	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
XXXX : I sent LCI an email asking if they could explain how they are verifying my bankruptcy and provided them with the courthouse letter, a letter from XXXX stating that XXXX verified the bankruptcy through the USBK court and I also asked for my consumer report. XXXX : LCI responded stating how they obtained the information from XXXX and how the information obtained is from public available bankruptcy records. XXXX : I sent them the bankruptcy court letter XX/XX/XXXX : Sent them another email stating how I haven't heard back from anyone XX/XX/XXXX : LCI responded via email stating how they obtained the information from public available court sources and how they use XXXX. From my own research, XXXX doesn't report full SSN 's so again how did LCI verify the bankruptcy ( they DID NOT ) XX/XX/XXXX : I sent an email to XXXX and XXXX Responded that they provide electronic access to case information from federal courts however they DO NOT contact consumer reporting and credit reporting agencies. XX/XX/XXXX : LCI responded asking me to provide further information about the alleged bankruptcy. XXXX : I replied stating that per the FCRA if I am asking for LCI to provide my consumer report and they are refusing to do so this goes against my rights. Per the FCRA if a consumer reporting agency is unable to verify my account within 30 days then they must delete the inaccurate information. Per FCRA Section 623 ( a ) ( 1 ) ( C ) you can not report information that I the consumer has told you is inaccurate. XX/XX/XXXX : LCI responded to a letter addressed to the incorrect client named XXXX stating how LCI has no obligations under FCRA section 611 and are only applicable to consumer reporting agencies From my own research LCI has about 5 cases where they paid undisclosed settlements to consumers after being accused of being in violation of the FDCPA & FCRA within the last 2 years and another case is currently pending. XX/XX/XXXX : I sent an email to LCI stating the person they addressed the letter to is incorrect. LCI responded same day stating please disregard the previous response with the same response they sent to the incorrect person. XX/XX/XXXX, XXXX I asked LCI to send me my Consumer report XX/XX/XXXX : LCI XXXX XXXX XXXX me an internal email about a mail merge with someone else contact information who was also trying to see how LCI verify bankruptcies. I responded to them on XX/XX/XXXX asking am I getting my consumer report or do I need to file a complaint to let everyone know that the company is sending the wrong personal documents to the incorrect consumers. They then tried to recall the email but it was too late. This company is sending employee 's personal information to the wrong consumer and violating consumer rights. They have yet to provide me with a consumer report it's been beyond 30 days. They have not provided their method of verification. Please review all the documents that LCI sent me and the entire XXXX email thread.
09/29/2021	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
XXXX : I sent LCI an email asking if they could explain how they are verifying my bankruptcy and provided them with the courthouse letter, a letter from XXXX stating that XXXX verified the bankruptcy through the USBK court and I also asked for my consumer report. XXXX : LCI responded stating how they obtained the information from XXXX and how the information obtained is from public available bankruptcy records. XXXX : I sent them the bankruptcy court letter XX/XX/XXXX : Sent them another email stating how I haven't heard back from anyone XX/XX/XXXX : LCI responded via email stating how they obtained the information from public available court sources and how they use XXXX. From my own research, XXXX doesn't report full SSN 's so again how did LCI verify the bankruptcy ( they DID NOT ) XX/XX/XXXX : I sent an email to XXXX and XXXX Responded that they provide electronic access to case information from federal courts however they DO NOT contact consumer reporting and credit reporting agencies. XXXX : LCI responded asking me to provide further information about the alleged bankruptcy. XXXX : I replied stating that per the FCRA if I am asking for LCI to provide my consumer report and they are refusing to do so this goes against my rights. Per the FCRA if a consumer reporting agency is unable to verify my account within 30 days then they must delete the inaccurate information. Per FCRA Section 623 ( a ) ( 1 ) ( C ) you can not report information that I the consumer has told you is inaccurate. XX/XX/XXXX : LCI responded to a letter addressed to the incorrect client named XXXX stating how LCI has no obligations under FCRA section 611 and are only applicable to consumer reporting agencies From my own research LCI has about 5 cases where they paid undisclosed settlements to consumers after being accused of being in violation of the FDCPA & FCRA within the last 2 years and another case is currently pending. XX/XX/XXXX : I sent an email to LCI stating the person they addressed the letter to is incorrect. LCI responded same day stating please disregard the previous response with the same response they sent to the incorrect person. XX/XX/XXXX, XXXX I asked LCI to send me my Consumer report XX/XX/XXXX : LCI XXXX XXXX Sent me an internal email about a mail merge with someone else contact information who was also trying to see how LCI verify bankruptcies. I responded to them on XX/XX/XXXX asking am I getting my consumer report or do I need to file a complaint to let everyone know that the company is sending the wrong personal documents to the incorrect consumers. They then tried to recall the email but it was too late. This company is sending employee 's personal information to the wrong consumer and violating consumer rights. They have yet to provide me with a consumer report it's been beyond 30 days. They have not provided their method of verification. Please review all the documents that LCI sent me and the entire XXXX email thread.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	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 XXXX segments of the XXXX XXXX requirements including The Header Record, 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, XXXX XXXX. XXXX, I am expressing my right to demand that you disclose your compliance with XXXX XXXX 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 XXXX ( a ) ( XXXX ) ( 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 XXXX XXXX. XXXX, 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 XXXX XXXX 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 XXXX XXXX COMPLIANT verified WITH EVIDENCE or removed immediately.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
To the Attention of the Privacy Department XXXX Data To the Attention of the Privacy Department / Data Protection Officer / Legal Department of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), I am writing to request that you delete my personal data including but not limited to : phone number XXXX and XXXX from all of your paper and/or computer records pursuant to Section 1798.105 of the California Consumer Privacy Act ( CCPA ). To the extent that you rely on consent to process my personal data, I withdraw that consent. To the extent that you rely on your 'legitimate interest ' to process my personal data, I object to the processing as there are no overriding legitimate grounds. If you are selling my personal data to third parties, please consider this email as my direction to you not to sell my personal data to third parties. DO NOT ask me to perform a self-service process such as locating my information on your website, filling out a form, or providing a mobile advertising ID. These requests place an undue burden on my side. Use the following information to identify me in your records : Verisk Analytics is providing inaccurate information to consumer reporting agencies via XXXX XXXX XXXX and possibly other companies. I have tried calling and opting out multiple times and still have NEVER received a confirmation email and the company is now ignoring my calls and requests. Delete my data from Verisk Analytics, XXXX XXXX XXXX XXXX, database immediately. If you are not able to comply with my request to delete all of my personal data, please advise as to the specific reason for which this request can not be acted on. Please advise which sections and subsections of the law you are relying upon, and identify the specific reason for which you are relying on those exceptions, such as which legal obligation, or internal purpose or use. Please delete all my personal data which does not fall under these exceptions. This email message was sent from my personal email account ( as you can see in the email headers ). Please use this fact to verify my identity. Please do not ask me to provide any further identifying information, as this places an undue burden on my side. If you are legally obligated to require additional identifying information in order to verify my identity, please let me know as soon as possible. As a data furnisher you a bound by the FCRA. The opt-out process is not working. I have called and emailed multiple times and received no response. My preferred method of contact is email. NOTE : I do not consent to any personal data which is part of this request to be used for any purpose other than fulfilling this request, except in the case of a suppression list, which you may keep in order to ensure that you do not collect any of my personal data in the future. Please note that you have between 30-45 days to comply with this request.
01/11/2022	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 32824	Web	Servicemember
On XX/XX/2020, I sent a correspondence letter to XXXX requesting information on a bankruptcy they were reporting to XXXX that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from XXXX, dated XX/XX/2020 informing me that XXXX XXXX XXXX ( XXXX ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information XXXX reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to XXXX identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. XXXX collects date from XXXX XXXX and XXXX for public records. XXXX XXXX is regulated under the FCRA but XXXX is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is XXXX not being regulated by the FCRA then? XXXXXXXX XXXX website stats to contact XXXX in the event a consumer suspects their bankruptcy information is erroneous. However, XXXX 's website directs us to contact XXXX if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on XXXX 's website, they EXPLICITLY state " XXXX DOES NOT MATCH XXXX INFO TO XXXX CREDIT FILES '' ... XXXX, how does XXXX consider this information verified if XXXX is stating they do not verify such information? Also, why is PrivacyRights.org reporting XXXX to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to XXXX ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can XXXX report anything to XXXX on a consumer if they are being recognized as a reporting agency?
01/11/2022	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 32824	Web	Servicemember
On XX/XX/2020, I sent a correspondence letter to LCI requesting information on a bankruptcy they were reporting to XXXX that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from LCI, dated XX/XX/2020 informing me that Lundquist Consulting Inc ( LCI ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information LCI reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to LCI identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. XXXX collects date from XXXX XXXX and LCI for public records. XXXX XXXX is regulated under the FCRA but LCI is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is LCI not being regulated by the FCRA then? LCI 's website stats to contact XXXX in the event a consumer suspects their bankruptcy information is erroneous. However, XXXX 's website directs us to contact LCI if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on LCI 's website, they EXPLICITLY state " LCI DOES NOT MATCH BK INFO TO XXXX CREDIT FILES '' ... ..So, how does XXXX consider this information verified if LCI is stating they do not verify such information? Also, why is XXXX reporting LCI to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to XXXX ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can LCI report anything to XXXX on a consumer if they are being recognized as a reporting agency?
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	WI 53144	Web	Servicemember
I have been battling with XXXX and LCI since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. LCI and XXXX both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is LCI. When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. Most recently both XXXX and LCI both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. However LCI and XXXX both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. XXXX further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. LCI has lost several lawsuits recently for these practices I've mentioned. XXXX and LCI must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.
11/04/2021	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	NJ 08046	Web
I came across a bankruptcy on my credit report that was not fully verified. I disputed on XX/XX/2021 this information to XXXX and they claimed that it was verified XX/XX/2021. I asked for a description of procedures along with the source who provided them the information. On a phone call XX/XX/2021 they refused to provide the source other than stating that the courts hired a third party to verify the Information. Before filing the dispute I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agencies or third parties and that they are unaware of how credit reporting agencies get there information. I also provided to the courts an Affidavit of facts that was notarized because I didn't authorize the release of any personal information. I then went on XXXX 's website and came across XXXX and LCI is the vendor for public records in which XXXX records. Problem is, if XXXX did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. On LCI 's website it states " XXXX, not LCI, matches bankruptcy information to the XXXX consumer credit files. '' Im trying to understand why XXXX would tell me that the court house hired the third party? How can XXXX trust this information if LCI hasn't verified this Information before selling it to XXXX? I want to make XXXX aware that they must fully understand by law that they must fully identify anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full 9 dight social security number. The FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a XXXX report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all 9 dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that XXXX should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.
08/20/2023	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	MN 55104	Web
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 To Whom It May Concern, Subject : Request for Supplementary Report and Related Personal Information I am writing in accordance with my rights under federal consumer law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to request a copy of my supplementary credit report and all related information that your agency holds pertaining to me. In addition, I kindly request any security keys, PINs, or other relevant authentication details associated with my information. Under the FCRA 's 609, Disclosures to Consumers, the law states : " ( a ) 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 consumer 's file at the time of the request... '' Given the above, I expect your agency to provide me with the requested information in compliance with this regulation. Furthermore, I kindly request that all provided information be channeled through the Consumer Financial Protection Bureau ( CFPB ). This is to ensure transparency, accuracy, and adherence to the guidelines that protect consumer rights. Your timely attention to this matter is highly anticipated. I expect a response within the 30-day window as specified by the FCRA. If for any reason my request can not be fulfilled entirely within the stipulated timeframe, please inform me at the earliest opportunity with a valid reason and the anticipated date by which I can expect my request to be fully addressed. I have enclosed copies of a utility bill and my identification for the purposes of identity verification. I explicitly do not grant permission for my provided information to be added to your database or for any subsequent updates to be made to my personal information using this provided data. You may respond to this request by forwarding the requested information to the Consumer Financial Protection Bureau ( CFPB ) or by emailing it directly to me at XXXX Thank you for your cooperation. I trust that your agency will handle this request with the diligence and urgency it requires. See enclosures to verify identity. Sincerely, XXXX XXXX
10/02/2021	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	NV 89110	Web
I sent a dispute letter to LCI Consumer Center under FCRA 611 ( a ) requesting verification for a Bankruptcy XXXX reported to credit bureaus, on XX/XX/2021, and on XX/XX/2021, and I havent received any response as of today XX/XX/2021. I am distressed that you are providing information regarding the questioned item, verified as accurate with thirty party credit bureaus ( XXXX, XXXX, and XXXX ) without completing an appropriate investigation and that you have 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 and complete credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. In the letter I sent to LCI Consumer Center on XX/XX/2021, I requested the following information : -Complete list of all documents and correspondence regarding the questioned item. -All names and contact information of employees that you spoke to as part of the investigation with date and time, so it can be used to find recording calls records if is needed by the court or general attorney. -Documents and explanation of how Lundquist Consulting , Inc received the public record information with complete information about me including, but no limited to, my complete social security number. Please be aware that I been disputing the public record with credit bureaus XXXX, XXXX, and XXXX several times and per credit bureaus and their correspondence to me the public record information has been verified by Lundquist Consulting Inc, I called the US Bankruptcy Court ( District of Nevada ) each time, after the questioned item have been verified as accurate per ICI and they have informed me that they dont verify or report information with anyone and they havent receive any call regarding a verification of the questioned information.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 926XX	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 59718	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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
10/06/2021	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 Their investigation did not fix an error on your report	FL 32174	Web
On XX/XX/2021 I sent a letter via USPS to XXXX in regards to the bankruptcy listed on my XXXX report. In response I received a letter back on XX/XX/2021 stating that XXXX verified the " alleged '' bankruptcies through LCI. However on LCI website, they explicitly state " LCI DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if LCI is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? LCI claims they get information from PACER, but PACER doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these " bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these " bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. XXXX in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.
08/10/2021	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	NY 11226	Web
In XXXX of XXXX I noticed that Bankruptcies ( 3 ) were being reported on my credit reports. I contacted each crediting agency and disputed these incorrect negative items that XXXX - XXXX XXXX XXXX XXXX and other credit reporting bureaus were reporting on their accounts that they held under my name & social security number. I was informed of that this information of these 3 negative items was being reported to these credit reporting bureaus by this company called LCI Consumer Center whom is owned or affiliated with Verisk Analytics / Verisk Financial/ LCI . I was told that I could contact them for my report that they held, to get a credit report freeze & to dispute all incorrect negative information they had on me under my social security number. I sent a Certified USPS Postal Service letter to dispute these incorrect negative items from US BANKRUPTCY COURTBROOKLYN of Bankruptcies ( Dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) that they were reporting on me to these credit bureaus on XX/XX/XXXX USPS Tracking # XXXX & a LCI Consumer Center Repersentative Signed for the letter on XX/XX/XXXX XXXX XXXX. After that I didnt not receive any response to my letter what so ever or my phone calls to there contact number ( XXXX ) where I left more messages than I could count to no response what so ever. I wrote a second letter on XX/XX/XXXX USPS Tracking # XXXX after more than 30 days had pass & even more tha 45 days had passed with NO reply to any thing ( My Calls or My Letter )!
08/10/2021	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	NY 11226	Web
In XXXX of XXXX I noticed that Bankruptcies ( 3 ) were being reported on my credit reports. I contacted each crediting agency and disputed these incorrect negative items that XXXX - XXXX XXXX XXXX XXXX and other credit reporting bureaus were reporting on their accounts that they held under my name & social security number. I was informed of that this information of these 3 negative items was being reported to these credit reporting bureaus by this company called LCI Consumer Center whom is owned or affiliated with Verisk Analytics / XXXX XXXX LCI . I was told that I could contact them for my report that they held, to get a credit report freeze & to dispute all incorrect negative information they had on me under my social security number. I sent a Certified USPS Postal Service letter to dispute these incorrect negative items from US BANKRUPTCY COURTXXXX of Bankruptcies ( Dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) that they were reporting on me to these credit bureaus on XX/XX/XXXX USPS Tracking # XXXX & a LCI Consumer Center Repersentative Signed for the letter on XX/XX/XXXX XXXX XXXX. After that I didnt not receive any response to my letter what so ever or my phone calls to there contact number ( XXXX ) where I left more messages than I could count to no response what so ever. I wrote a second letter on XX/XX/XXXX USPS Tracking # XXXX after more than 30 days had pass & even more tha 45 days had passed with NO reply to any thing ( My Calls or My Letter )!
12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	VA XXXXX	Web
I pulled my XXXX consumer ( Property Loss ) report by contacting Verisk. The report contains information on a Homeowner 's policy listed in my name and I DO NOT own any Real Property of any kind. Publishing a property loss claim on a homeowners policy in my name is a fraud and any insurance company uses this as an excuse to inflate insurance premiums as additional risk. I wrote Verisk on XX/XX/2018 and again on XX/XX/2018 to request documentary evidence of an insurance policy bearing my name and signature associated with the reported insurance loss. Verisk simply states the loss is verified by telephone and has referred me to XXXX 's XXXX to request information from their data furnisher. My dispute letters are very clear that I requested a copy of the insurance papers bearing my name and signature ( as required of the FCRA ). I do not believe there was any investigation because XXXX XXXX XXXX, XXXX 's, and Verisk has sent me nothing of any merit to verify any homeowner 's policy and/or a loss bearing my name. I received two identical letters and a print copy from their database ( pages attached ) This property loss needs to be deleted from my property loss report because there is no verification, it is inaccurate and/or incomplete. XXXX dba Verisk must verify and validate this information as accurate or delete this record as it is damaging my character in the financial industry.
01/04/2022	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 30045	Web
On XX/XX/XXXX, A certified letter was mailed to XXXX Credit Reporting Agency. Providing proof that 3 Public Records that are being reported on my credit report didnt belong to me. The reporting agency XXXX XXXX that XXXX used in the past several years. Complete their investigation after being contacted by me and removed all 3 Bankruptcy from their database. XXXX was also notified by XXXX XXXX requesting deletion of inaccurate reporting in results to their errors. XXXX XXXX is the Original Reporting Agency who I was advised to contact. I was informed from a Supervisor with XXXX even after verifying they received the certified letter. That my credit report will remain unchanged because they now use a different agency XXXX XXXX XXXX whom advise them the XXXX public records is accurate and needs to remain on my report. The Bankruptcy should have never been reported to my credit report. XXXX refuses to delete all 3 XXXX XXXX even after receiving documentation from a previous agency theyve used. According to the Federal Credit Reporting Act. Failure to correct and delete inaccurate information after receiving documentation from the Original Credit Reporting Agency and Consumer. Is a violation. Im requesting deletion of all 3 Bankruptcy Public Records dates ( 2 ) XXXX and XXXX files in the state of GA from my XXXX Credit Report. Final step will be to contact Georgia Attorney General Office.
06/02/2021	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	MO 64801	Web
I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and LCI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and LCI had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and LCI had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under XXXX XXXX 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and LCI. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
11/17/2021	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 302XX	Web
I am a consumer filing this complaint against Verisk/LCI because they have are selling Unproven, NON COMPLIANT, or Unverified adverse items to XXXX to furnish on my consumer report. XXXX has continuously reported a bankruptcy item supplied by LCI and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 1. Account Name : XXXX XXXX XXXX XXXX Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Verisk / LCI written instruction or permission to report this erroneous information to any 3rd party to furnish on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. XXXX has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.
09/15/2021	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 Was not notified of investigation status or results	WI 53144	Web
Several times I've tried to work with LCI you deleted the bankruptcy they're listing on my consumer report. I've sent emails and letters inquiring as to how they got their information and how they supposedly verified the accuracy of said bankruptcy. They willfully refuse to delete the bankruptcy even though it can not be properly verified due privacy issues. Per Rule 9037 of the Federal Bankr uptcy Procedures section 205 ( c ) ( 3 ) that addressed privacy issues, the bankruptcy can not be verified due to information being redacted, such as a person 's full SSN ( only the last 4 digits of a social security number is listed ). This means that LCI is unable to properly prove that the Bankruptcy listed belongs to me. Furthermore, per the FCRA, XXXX is not a proper verification of a bankruptcy as the information is fished from the XXXX system and not actually reported to LCI. Per the FCRA, if a bankruptcy can not be proven with absolute certainty that it belongs to a consumer it is to be deleted. To date LCI refuses to comply with the FCRA or Federal Rule XXXX, they continue to site Pacer which as I've described above is fraudulent on behalf of LCI. It should be noted that XXXX XXXX deleted the bankruptcy to be in compliance with FCRA and Federal Rule XXXX. Yet LCI refuses to comply leaving themselves up to lawsuit and fines.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	CA 94533	Web
on or about XX/XX/XXXX based on information given on my consumer report received from XXXX XXXX i lost my home owners insurance with farmers and also was denied insurance from XXXX XXXX. After receiving my consumer report, I found that the information was incorrect and that my claims were reported as XXXX claims verses XXXX. I informed XXXX and provided information the correct information. XXXX said they investigated the claim with XXXX XXXX and said they will not remove it, but I can add a dispute statement. I filed a claim against XXXX XXXX with the Department XXXX XXXX case # XXXX. After the investigation it was determined that the information originally reported by XXXX is inaccurate and incomplete. ( XXXX occurrence happened XX/XX/XXXX ) In fact, the homeowners insurance policy with XXXX XXXX is a per occurrence policy. Subsequently, the water damage was the same event but was reported as a second occurrence the ( 2nd occurrence, that was still the same as the first happened on XX/XX/XXXX ). Moreover, these mistakes on my XXXX credit report are devastating. These errors has caused denial of insurance and it is the responsibility of XXXX to maintain accurate reporting records. Since the records have errors, it has caused me unjust hardship and distress including economic damages.
07/03/2023	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	CO 80127	Web
Insurance claims regarding a property listed on my personal information is incorrect in the A Plus database in that several insurance claims against a property with a wrong address of XXXX XXXX XXXX XXXX, XXXX, CO XXXX was paid out to someone other than myself and documented as to a property at XXXX XXXX XXXX XXXX, without the unit number. Even though the correct property address contains a unit number. The properties in question are townhouses with a unit descriptor. The correct physical address of my unit is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. This has caused me to pay very high insurance rates. The address in my record within the A Plus database regarding my unit needs to be corrected to reflect the correct physical address including the Unit number XXXX The amounts of claims against my property need to be dropped as I never made any claims for damages and there never were any damages to this property. This incorrect address information is in the database managed by A Plus as reported to my by my insurance agent. The information was also in the database managed by XXXX XXXX. However, I have communicated with them and they have corrected their data. A Plus will not communicate with me even though I have called them several times never receiving a return call.
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NJ 073XX	Web
Lundquist Consulting Inc Consumer Center ( LCI ) has an inaccurate alleged bankruptcy that appeared on my consumer report with XXXX ( Lundquist Consulting Inc Consumer Center ( LCI ) supplies XXXX with this inaccurate alleged bankruptcy. I submitted the letter and attached documents to Lundquist Consulting Inc Consumer Center ( LCI ), however ; Lundquist Consulting Inc Consumer Center ( LCI ) DENY that it reports such information to XXXX and as such Lundquist Consulting Inc Consumer Center ( LCI ) states in their response letter to me that it doesn't comply with the FCRA laws MEANWHILE, Lundquist Consulting Inc Consumer Center ( LCI ) clearly reports consumers ' information to XXXX. Lundquist Consulting Inc Consumer Center ( LCI ) is acting like a FRAUDULENT private company by purposefully stating that the FCRA doesn't apply to it and LCI is also exhibiting characteristics of domestic terrorism 18 U.S.C 2331 -1 ( b ) ( i ) ( ii ) through intimidation, lies and coercing. Lundquist Consulting Inc Consumer Center ( LCI ) must be stopped and brought to book for such acts of deception, dishonesty and psychological intimidation to vividly state that it will not and can not delete such inaccurate alleged information about me ( a consumer under FCRA laws or regulations ).
02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	VA 245XX	Web
I was in contact with XXXX regarding a Public Record listed in my consumer file. XXXX stated LCI was the source of information. After multiple calls I finally got the chance to speak with a XXXX XXXX on XX/XX/20. Regarding the public record which contains an Chapter XXXX Bankruptcy. I requested the source of information I was told they do not provide that information. I asked for any file they had on me I was told I needed to contact XXXX. LCI Is furnishing inaccurate and incomplete data on my behalf and refuse to update the information. The courts do no provide such data to any 3rd party agencies. Pacer system is not FCRA regulated thus the information that has been reported is illegal. Also pacer is a limited system which a company is not able to properly Identify any individual with only the last 4 digits being available. All furnishers of data has an obligation to report true and accurate information. and LCI has failed to do so. LCI did not take the proper steps to ensure the information they collected on my behalf was true and accurate. Per FCRA I never gave LCI in Writing nor Verbally consent to furnish nor collect information on my behalf. This also constitutes a violation of my consumer rights.
09/07/2021	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	MI 482XX	Web	Servicemember
On XX/XX/2021 I disputed a Bankruptcy listed on my XXXX credit report online and via certified letter describing that the Bankruptcy does not belong to me, it's someone with a similar name and the dispute came back to me on XX/XX/2021 verified as accurate and remained on my credit report adversely affecting me as I am trying to secure a home loan and this erroneous information is compromising me. I wrote a letter to the Eastern District of Michigan Bankruptcy court county clerk, as was told that " The Eastern District Bankruptcy Court 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. I sent a follow-up letter to XXXX asking them to tell me what steps were taken to verify this bankruptcy and who did they verify it with, XXXX is violating my rights under the FCRA It is the policy of all bankruptcy courts to not report any information to the credit bureaus. The company Lundquist Consulting , Inc. is providing XXXX with false information about a Chapter XXXX Bankruptcy that doesn't belong to me they are in violation of 1 15 U.S. Code 1681e - Compliance procedures.
11/01/2021	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 Their investigation did not fix an error on your report	CA 95747	Web
The company is stating that they are verifying/researching information about a bankruptcy to XXXX services ( please see attached where XXXX shows verified as accurate ). It is impossible to verify the information as the bankruptcy court does not verify the information ( see attached letter from bankruptcy court ). They are pulling there " verified '' from public records which have errors and can not be verified in this situation ( please see the attached letter from LCI ). Per the fair credit reporting act all information has to be able to be verified or needs to be removed from there system. Since they provide the information to XXXX and are certifying that it is correct, this is a breach of the reporting act and a blatant lie. This is not the first time they have been caught. Refer to cases : Legrand v. IntelliCorp Records , Inc., No. 15-cv-2091 ( N.D. Ohio ) - an FCRA class action Roe v. IntelliCorp Records , Inc. , 12-cv-2288 ( N.D. Ohio ) - an action alleging violations of FCRA sections 1681k and 1681 ( e ) ( b ) Also please see attached from XXXX XXXX that they removed said bankruptcy as they are unable to verify that it is correct on the public records
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information that should be on the report is missing	TX 77096	Web
XXXX XXXX XXXX used a company Called Verisk to investigate my history with auto insurance coverage. Verisk is through a company called " XXXX XXXX XXXX, '' XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX, XXXX. I received a privacy notice after the insurance check that indicated my history would require that I pay for a higher policy. This did not seem right to me since my history with auto insurance is excellent. I wrote Verisk and received a copy of my Summary Report - " Coverage Verifier. '' It reflects an auto insurance policy that I had from XXXX to XXXX with XXXX. It lists this as " Cancelled '' in XXXX but does not show my current Auto policy with XXXX from XXXX to the present date. The omission of this current information is misleading and it appears that I have been uninsured, thereby giving me a bad " mark '' for anyone who checks my insurance history via this company. After several attempts to reach them, I am resorting to this option. It is imperative that they list my current and correct information for my Auto Insurance Coverage : XXXX Policy # XXXX. Policy has been in effect from XXXX to the present XXXX. The Verisk Report ID # is XXXX
01/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75039	Web
I sent a request for LCI consumer reporting company a request to disregard the sharing of my credit report sharing. This company shares consumer credit information. This company holds documents that can show up on my credit report that can be embarrassing which could cause harm against my financial wellbeing. LCI does not make my credit profile available to me, even though my personal information is held within their company. LCI does not allow a consumer to freeze their credit shown within their database. I Dispute these actions. This is a violation of the FCRA which states a data furnisher of credit must respect consumer credit reporting laws. LCI is not above they law! LCI does not have my permission to share, obtain, nor store my credit information at anytime. I sent LCI a request to remove my information on XX/XX/19. LCI respneded XX/XX/19 that they are not a credit reporting agency, saying that LCI does not participate in credit reporting acts. This is false! LCI was found on a credit board being reported by a consumer to sharing bankruptcy information. LCI sent me a dishonorable response.
03/27/2022	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	MI 483XX	Web	Servicemember
THIS COMPANY IS STILL REPORTING A FRAUDULENT BANKRUPTCY AFTER INFORMING THEM SEVERAL TIMES THAT IT IS FRAUDULENT. THEY WONT EVEN INVESTIGATE THE MATTER. XXXX REPORTS THIS FRAUDULENT BANKRUPTCY CASE NUMBER XXXX BECAUSE ITS REPORTING ON A FILE FROM THIS COMPANY. I HAVE INFORMED THEM SEVERAL TIMES THAT THE BANKRUPTCY IS FRAUDULENT AND THEY DON'T CARE TO EVEN INVESTIGATE THE ISSUE. I FILED A IDENTITY THEFT REPORT TO REPORT THE CRIME AND INCLUDED THAT REPORT WITH MY DISPUTE TO THE COMPANY. THEY INFORMED ME THAT THEY ARE NOT A CREDIT REPORTING AGENCY AND THEY ARE NOT SUBJECT TO THE FAIR CREDIT REPORTING ACT. THIS COMPANY HAS BEEN SUED BY HUNDRED OF PEOPLE REGARDING THE SAME ISSUE. I AM WORKING WITH A LAW FIRM TO START A CLASS ACTION LAWSUIT AGAINST THIS COMPANY. SO FAR WE HAVE A PETITION WITH 998 PEOPLE. THE UNITED STATES COURTS HAVE DEEMED THAT THIS COMPANY IS IN FACT SUBJECT TO THE FCRA AND THEY CHOOSE TO IGNORE IT. THIS IS NOT GOING TO BE ACCEPTABLE. I HAVE LOST OUT ON HUNDREDS OF THOUSANDS OF DOLLARS DUE TO THIS FRAUDULENT BANKRUPTCY REPORTING AND IT ALL STEMS FROM THIS COMPANY.
05/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	MD 206XX	Web
On XX/XX/XXXX, I requested a copy of my XXXX consumer report from Verisk. OnXX/XX/XXXX, I contacted the consumer reporting agency to dispute the information listed on the report, specifically, claim dated XX/XX/XXXX. I was told the reporting agency contacted the furnisher ( XXXX XXXX ) and it was determined that the information reported is accurate. In the meantime, I contacted the furnisher ( XXXX XXXX ) and was provided a letter that states the information listed on the report is NOT accurate and has been changed from a claim to an inquiry and that the information has been removed from their records and have initiated the process to have it removed from my public record. On XX/XX/XXXX, I spoke with a representative from Verisk that stated the inaccurate information will remain on my public record for 5-7 years, and the insurance companies only look at the last 5 years. This is not acceptable! Under the Fair Credit Reporting Act, inaccurate information must be removed. Consumer are being penalized for inaccurate information reported by this reporting agency.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IN 46805	Web
I have sent you several request to remove this error from your records as other credit reporting agencies have. Supposedly you sold XXXX XXXX erroneous information about me and an unverified bankruptcy. I have spoken with the courts who have responded with no record being reported to me! I know they haven't provide your company with the information. I further looked at XXXX records and it reported case number as invalid. I received the case number from XXXX XXXX who states you provided with with the data. I have also learned that you will claim your company is not a credit reporting agency but a third party data collection company. I really don't care which one you claim to be I do know legally public records are not formatted to meet CGGR standards or defined as a consumer report under FCRA. I learned that from a company called XXXX when they too had to remove this information from their records. I have provided you with their response to a CFPB complaint filed against them on XX/XX/2022. They responded and removed the inaccurate information on XX/XX/2022.
05/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33811	Web	Older American
XXXX XXXX XXXX gave totally wrong payment history, credit rate, etc. It's like they were reporting a totally different person using my name. I've never had late or missed payments on anything in my 74 years! My credit has been perfect. But to see what they reported to an auto insurance ( XXXX ) company was down right slanderous! I wasn't looking for an ins company but somehow my info, address, etc was given to them and they sent the ( rejection ) report to me and I just received it today to find out that my once excellent credit is in the dumpster because of the lies reported on me and my payment history - not one thing on it was true! It's like that fraudulent thing they have on the net about " type in a name and get info '' - you'd not believe how many people they have as me on there and not one even comes close to me except my location & age on two of them. Don't know where these people get this stuff from but they are ruining lives!
01/18/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 086XX	Web
On XX/XX/22, I contacted Lundquist Consulting Inc. ( LCI ) requesting a copy of my consumer report. The reason is because they are sharing false information to XXXX about me in the form of a bankruptcy. They responded stating that they do not have the authority to provide me a report that they are furnishing about myself and I have to contact the data source directly to request changes or a deletion of the information. However, they said they obtained the information directly from the federal bankruptcy courts which I know is false because the courts do not provide such information to any credit agencies or third parties. Not only are they lying, but they are also breaking the law. Their misuse of inaccurate information has caused me tons of trouble in the process of buying a home for my family and is ruining my credit reputation. I have proof from another data furnisher showing the bankruptcy is not on my report.
01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MA 015XX	Web
My first communication with Lundquist Consulting, inc was XX/XX/21. The second time was XX/XX/21. The third time communicating with lundquist consulting inc was XX/XX/21. I requested Lundquist Consulting, inc to provide me their method of verification and inaccurate information because the bankruptcy LCI is reporting unlawfully and sharing to the XXXX credit agency, and breaking the law. LCI is breaking law because I have the RIGHT TO PRIVACY because the only institution allowed to publish my information is the United States Bankruptcy Court District of Massachusetts Eastern Division, and the website of Pacer.gov. Lundquist Consulting , inc broke the law THE RIGHT TO PRIVACY BY THE FCRA, and didnt help me, and didnt remove the inaccurate information reporting. Lundquist Consulting , inc Reply me with the same copy paste letter tree times.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 23238	Web
I contacted XXXX aka verisk financial about inaccurate information on my credits report but they refused to address the issue. XXXX make me go in circle instead of addressing the issue. They admitted that they did not have a proof that the information belong to me since they obtain the information via " obtained from a publicly available source ''. If that is so how did XXXX know that the information belong to me without having 10 percent of my personal information. They must delete the information or proof beyond doubt that those information belong to me by producing the same Address, Date of birth, Social security number. Otherwise they should refrain from furnishing wrong information to my credit files. I attached their response below. Which is insincere and circular argument letter I never seen.
08/30/2021	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 Investigation took more than 30 days	CA 945XX	Web
- On XX/XX/21 I sent a letter to LCI asking to verify the validity of the bankruptcy they were reporting on my consumer report. - LCI failed to respond. - On XX/XX/21 at XXXX I left a message requesting a call back - no response. - On XX/XX/21 I sent a second letter asking for a method of verification of the alleged bankruptcy they are reporting. - LCI failed to respond. - On XX/XX/21 I sent a 3rd method of verification request. - On XX/XX/21 I received an email repsonse stating bankruptcy is public record, but no method of verification was included. - On XX/XX/21 I replied to the email again asking for a Method Of Verification. - On XX/XX/21 LCI replied and stated they do not subject to FCRA laws and they are not required to provide me with any Method of Verification at all.
10/13/2021	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	SC 290XX	Web
on XX/XX/2021 I got an online insurance quote through XXXX XXXX it showed a violation from XX/XX/2021 with the number XXXX to call if you needed more info I did she then gave me XXXX that was a recorded message with instructions how to request your report. The web address given was XXXX then additional instructions on which tab to click on. Here 's the problem that web address redirects you to the employment verification or sales department. I tried the online chat to tell them I left 3 voicemails. the web address you have here on your consumer website has the exact link that redirects you. You can not request your personal driving or violations report with this web link address. Therefore you can not get your report to verify or object to the claims on said report. Please advise.
06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37128	Web
I XXXX XXXX, rights of privacy has been violated and breached by this fraudulent company which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This fraudulent company is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This fraudulent company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This fraudulent company has no respects of my rights to privacy. This company was compensated to break the federal law by violating my rights to privacy. Their negligence has caused me distress and I'm seeking litigation.
07/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76112	Web
In XX/XX/XXXXI requested a security freeze with LCI Inc. I received a letter back dated XX/XX/2019 that they are unable to do such a thing because they are not a Credit Reporting Agency blatantly implying they do not have to follow the credit reporting laws that protect consumers. This company has a partnership with XXXX where it FURNISHES information ( public bankruptcy details ) and that is REPORTING. This can not possibly be legal. They also stated in said letter that they do not need my permission to share information under applicable federal law or regulation. If they are furnishing/reporting/supplying/verifying information with a Credit Reporting Agency or another similar company then they should be compliant with the consumer credit reporting laws.
07/13/2020	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	NV 89032	Web
I sent a email to XXXX XXXX XXXX on XXXX XXXX disputing information in regard to an in accurate bankruptcy reporting in my public record information being reported to XXXX XXXX. The process for disputing is either via email or by mail. I emailed a request on XX/XX/XXXX to XXXX requesting the dispute they advised they needed additional information which I provided my address, ssn I never received a response. I sent a additional email on XX/XX/2020 with my information again and never have received a response. I am requesting for this inaccurate information be removed from my public record information and XXXX XXXX credit file immediately for this is violation of my FCRA rights I have disputed as inaccurate the reporting company is neglecting to respond.
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	UT 84106	Web
I have begun the process of working with the XXXXXXXX XXXX listed on your 2022 consumer credit reporting agencies list and publication. I am trying to work with XXXX XXXX by XXXX. I asked for 2 things from them. First, I asked for a report. They want me to literally fill out all of my personal information and email it to them before theyll provide me with a report. That seems preditorial and insecure and would put me at greater risk. I also asked them to put a freeze in place to not sell my data or allow others to query it to which they said that they don't have to comply with that part of the FCRA law. Can you help with next steps here? I dont feel like Im able to get anything with getting my report or putting a freeze in place.
03/26/2022	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 30033	Web	Servicemember
ON XX/XX/2022 I EMAILED THIS COMPANY AND ATTEMPTED TO CALL THEM. I SENT THEM AN EMAIL INFORMING THEM NOT TO SELL TRADE OR USE ANY OF MY INFORMATION THAT THEY OBTAIN FROM ANY COURT. THIS COMPANY USED MY PERSONAL INFORMATION FOR PROFIT AND IS CAUSING MY CREDIT RATING TO DECREASE MAJORLY. THIS COMPANY PROVIDED MY INFORMATION TO XXXX WITHOUT CONSENT. XXXX PREVIOUSLY DELETED THE INFORMATION BUT HAS SINCE REINSERTED IT. I DO NOT ALLOW LCI, VERISK FINACIAL LCI, OR ANY OF ITS AFFILIATES TO SELL TRADE, OR USE MY INFORMATION FOR PROFIT. I CONTACTED THE UNITED STATES BANKRUPTCY COURT AND WAS TOLD THEY DO NOT SELL OR TRADE INFORMATION FOR-PROFIT TO ANYONE ABOUT ANYONE. I CONTACTED XXXX AND LCI. XXXX AND LCI ARE BUSINESS PARTNERS
01/17/2021	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	TN 381XX	Web
On XX/XX/XXXX, I sent a letter to LCI challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with LCI. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from LCI to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.
02/20/2022	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 32444	Web
On XX/XX/XXXX while I was trying to obtain insurance I was told my insurance is very high priced because a company called Verisk is reporting I had an accident that cost the insurance company XXXX XXXX dollars. This was not me I did not have a policy or a car on the date XX/XX/XXXX. Apparently it is someone with the same name in the same city as me. My name is XXXX XXXX XXXX XXXX XX/XX/XXXX and my last 4 of my social is XXXX. Verisk told me to contact XXXX and XXXX says that the info was not reported in my name yet it is coming up under me. I will attach everything this company is linking with my name as well as claim numbers. I can be reached via email @ XXXX or by phone XXXX a message can be left for me.
07/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76112	Web
In XX/XX/2019 I contacted LCI Inc ( part of Verisk Analytics ) to put a security freeze on the report they furnish/manage. I received a response letter by mail dated XX/XX/2019 that states they are not a credit reporting agency, freezing my account is not possible, they do not need my permission to supply this data to XXXX. In my personal opinion, they are a credit reporting agency and need to START acting like one by being compliant with the consumer credit reporting laws. If they are furnishing/verifying/supplying/giving public data such as bankruptcy information to another company, Credit Reporting Agency XXXX , then they ARE a credit reporting agency that is OUT of compliance!
02/10/2022	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	TN XXXXX	Web
Verisk/Financial / LCI is XXXXncorrectly reporting an erroneous chapter XXXX bankruptcy on my credit report to XXXX XXXX and XXXX ( XXXX XXXX XXXXs ). Verisk/Financial /LCI maintains the United States Bankruptcy Court of Middle Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have ALL deleted the erroneous chapter XXXX bankruptcy from my credit file due to the discovery of my identity being compromised last year, while Verisk/Financial / LCI has refused.
11/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	UT 84003	Web
I am a victim of identity theft. My information was compromised when my wallet was stolen containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
11/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 757XX	Web
I am a victim of identity theft. My information was compromised when my wallet was lost containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
09/05/2019	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	CA 94107	Web
I requested a copy of my A-PLUS report from Verisk and learned that it had been used against me by an insurance carrier. The documents that came with the report directed me to call the Verisk customer inquiry center if I wanted to open a dispute regarding inaccurate information. I called the Verisk customer inquiry center and spoke to Angelys who refused to open a dispute, stating that if I wanted to dispute something on my report I had to contact the claims department of the insurance company myself and have them tell Verisk to remove the information from my report. Verisk refused to accept my dispute request, in violation of the Fair Credit Reporting Act.
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40216	Web
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19808	Web
I requested a copy of my APLUS Verisk report and upon receipt I noticed a claim and policy listed that I had no knowledge of. On XX/XX/XXXX I sent a letter which they received asking for the inaccurate information to be investigated and validated. I also asked for the method of verification and to send any documents used to verify that information. They failed to do so. On XX/XX/XXXX I sent in another letter once again asking for validation and proof that information was in fact accurate and had any association with me and they once again failed to do so, but continue to report this false item on my report. PLEASE SEE ATTACHED DOCUMENTS
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31313	Web
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 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.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34234	Web
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 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.
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30815	Web
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 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.
07/11/2019	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 30013	Web
XXXX XXXX XXXX is sharing and reporting my information. As of XX/XX/2019 against my will. I have tried to reach out to the company but have not been able to opt out of the service. This company is confirming bankruptcies incorrectly with XXXX when case law doesnt allow these types of reports to be verified by 3rd parties. To my understanding, they must be verified by the original source. This company is not doing that and theres no way to opt out of the service. Many of their websites phone numbers do not work. So theres no way to contact them. Also they have emails on the website that are listed as a contact but are not valid emails.
03/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	MS 38701	Web
On today i have tried to talk to this lady with this company she was the rudest person that i have every talked to in my life. I have repeated to her several times that I have made contact with the insurance company and they have stated that they have deleted the claims off of my records but when i try to run my home insurance records they are still showing up. She insists on being rude to me saying that i don't know what i'm talking about and continues to place me on hold for 5 to ten mins just to for the sake of it. Her name is Mrs. XXXX and she works with XXXX and she is the rudest person ever.
01/01/2021	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 Their investigation did not fix an error on your report	IL XXXXX	Web
LUNDQUIST CONSULTING INC, IS A DATA FURNISHER FOR XXXX. MY XXXX CREDIT REPORT FILE NUMBER XXXX HAS A BANKRUPTCY # XXXX AS BEING VERIFIED AS ACCURATE ON XXXX # XXXX HAS A ADDRESS I NEVERED LIVED AT AND UNDER THE BANKRUPTCY CONTACT INFO ON MY CREDIT REPORT FILE NUMBER XXXX IT DONT MATCH THE US BANKRUPTCY COURT DOCUMENT. MY CREDIT REPORT WITH XXXX SHOWS A CLEAR PICTURE THAT LUNDQUIST CONSULTING INC AND PACER HAS A MIX FILE I AM ALSO A VICTIM OF IDENTITY THEFT, MY RIGHTS UNDER FCRA 623 ( a ) ( 6 ) ( b ), FCRA ( a ) ( 2 ) AND FCRA 616, 617, 621 FOR NON COMPLIANCE
04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34234	Web
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76036	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 342XX	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33569	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
03/23/2022	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	FL 34234	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
03/18/2022	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	FL 34219	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33712	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
03/15/2022	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	FL 34205	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
03/15/2022	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	FL 34234	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
03/10/2022	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 30813	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27889	Web
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
09/03/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 44137	Web
Calling constantly. I called back after a robocall to explain I only get {$550.00} per month on SSI. My health mental and physical health are being affected adversely by this continued DAILY XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX by stress, & severe currently untreated XXXX XXXX XXXX I explained I made No debts or signed anything obligating me to pay them, esignature or manual with their company. Therefore owed them nothing. I had to look them up on reverse dialer yo learn who they were, so I could plead a cessation to the constant calling.
07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	AL 35611	Web	Older American, Servicemember
Below is a verbatim copy of the instructions on the Verisk Analytics A-PLUS web site on how to obtain a free yearly copy their insurance reporting file. Web address : https : //www.verisk.com/XXXX " To request a free A-PLUS loss history report, call the A-PLUS Consumer Report Request Line at XXXX. The A-PLUS Consumer Report Request Line is available Monday through Friday from XXXX XXXX to XXXX XXXX, Eastern time. '' When you call XXXX at XXXX XXXX Eastern time you get a recording stating that their business opens at XXXX XXXX Eastern Time.
02/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 62226	Web
I have disputed the inaccurate Bankruptcy on my Credit Report with the Credit Bureaus and LCI Consumer Center and the Bankruptcy remains on my reports. I have never filed for Bankruptcy and it appears on my Credit Reports which has continued to harm my ability to purchase a home as well as being charged high interest rates on other purchases. This has to be illegal. How can anyone overcome such a a Wrong as this? I sincerely ask that this Bankruptcy be removed from my Credit Reports. Please find attached documents. Thank You
05/04/2020	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	TX 78253	Web	Servicemember
I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records. They are purchasing public information from a third party and can not verify that the information is accurate with the actual furnisher of the information.
05/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92592	Web
CLAIM DISPUTE REPORTED BY BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claim : XXXX Loss Date : XX/XX/XXXX Loss Cause : WIND Paid Amount : {$1700.00} Action : We did not get paid for this amount but XXXX XXXX XXXX Claim : XXXX Loss Date : XX/XX/XXXX Loss Cause : MOLD Paid Amount : {$250.00} Action : We did not get paid for this amount but XXXX XXXX XXXX The report from XXXX ( XXXX ) shows that as if we got paid for these amounts, which causes us a " DENIAL '' of home insurance coverage with XXXX.
04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	UT 84770	Web
Verisk is reporting an Automobile-Property Loss Underwriting Service ( A-PLUS ) claim on XX/XX/2017 that did not happen. On that date I did call the XXXX 'XXXX XXXX claim department to ask questions about my policy and what was covered under the policy. However, I did not start a claim. They are now considering that inquiry a " Loss ''. They're using this inquiry phone call as an excuse to charge me higher rates and force me to use their " High Risk '' partner to insure new properties.
08/12/2021	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 75035	Web
To Whom It May Concern : I contacted this company and asked them to furnish my consumer report, I was rudely told " No '' that the FDCPA does not apply to there organization. I am bewildered with anger no this is not the law. The company is furnishing TransUnion with information that infringes on my consumer rights. It is inaccurate reporting. XXXX is claiming I have 2 bankruptcies on XXXX being a chapter XXXX and the other a chapter XXXX.
02/11/2022	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 60651	Web
Verisk FinancialXXXX XXXX is providing bankruptcy information on my consumer report that was obtained by violating multiple consumer rights. I attached a letter from the US Bankruptcy court, that states that they do not provide information to any consumer reporting agency. Verisk FinancialXXXX has violated my consumer right to privacy, Permissible Purpose ( 15USC 1681B2 ), and violated 15USC 1681A-e ( Investigative Consumer Report ).
10/28/2021	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 Was not notified of investigation status or results	NJ 08332	Web
I HAVE SENT SEVERAL LETTERS TO XXXX DISPUTING THE VALIDITY OF THE XXXX THEY ARE REPORTING ON MY CONSUMER FILE AND REPORTING TO OTHER XXXX AND XXXX. THEY KEEP SENDING GENERIC LETTERS BUT NO PROOF OF THE VERFICIATION. THIS IS MAKING TO DIFFCULT FOR ME TO PURCHASE A HOME AND CAUSING ME TO PAY XXXX MORE IN INTEREST EVERY YEAR. THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.
07/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 91941	Web
XXXX XXXX has incorrect information about my former property. It has a list of numerous loss claims that supposedly occurred while I lived there XX/XX/XXXX to XX/XX/XXXX. The new owner can not get insurance through XXXX and is threatening to sue me because I allegedly did not report all the known damage. There were no claims submitted while I loved there. I called XXXX XXXX and they were unable or unwilling to help.
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	CA 94501	Web
XXXX XXXX ( by Verisk ) can not provide consumer report per FCRA. Per the company 's website https : //fcra.verisk.com/, the only method to request for a consumer report is to call the XXXX Consumer Report Request Line at XXXX. However, no one answered the phone after a dozen of attempts ( within company 's business hours ). Therefore the company makes the consumer report inaccessible to consumer.
05/04/2020	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	TX 78253	Web	Servicemember
I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records.
12/03/2021	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 33015	Web
XXXX that report bankruptcy to XXXX stations that they veify a bankruptcy thats incorrect courts dont verify anything with vendor also what they have from me to report that XXXX XXXX XXXX XXXX deleted is just XXXX an XXXX but XXXX is tge one that give the information to them an this is causing loose money an pay for higher interest for theft mistakes an reporting that
02/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MO 63301	Web
I have disputed the inaccurate Bankruptcy on my Credit Report at all 3 Credit Bureaus and LCI Consumer Center and it continues to report on my credit reports. LCI Consumer Center has not responded to my dispute, and the Credit Bureaus continue to report the Bankruptcy that I never filed.
10/24/2018	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	NJ 085XX	Web
I mailed Versik 's a property and auto form with two forms of ID on or about XX/XX/2018. I received my property report however never received my auto report. I called Versik twice in an attempt to resolve the issue, however they still have not sent my missing auto report.
03/06/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	AL 367XX	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
03/06/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CA 90004	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
02/24/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	MD 20745	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
02/23/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 32818	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
02/23/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 336XX	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
02/14/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	WI 53218	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
02/14/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 34234	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
02/10/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	WI 53218	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
02/09/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 34205	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
02/07/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 34205	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
02/07/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 34208	Web
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
01/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	CA 92844	Web
Last several months, I have sent in complaints because you are not removing this false bankruptcy. You can not report false information about me, especially when you can not provide any documentation to support this false bankrtupcy record.
10/22/2021	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 33015	Web
Lundquist Consulting Inc. ( LCI ) reporting a wrong innacurate bankruptcy on my file an they give it to XXXX it should be there it causing me money issues pay more interest for something thats is incorrect sn should be on my credit report
09/13/2021	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	MI 48180	Web
I sent a letter requesting verification of my bankruptcy. Which I didn't get, I requesting that the bankruptcy should be removed. I also sent a copy of a letter from U.S. Bankruptcy Court that they don't report to any credit bureaus.
09/20/2020	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	AR 72761	Web
CEASE PULLING OR EXCHANGING DATA OR RECORDS FILES ETC. WITH XXXX XXXX PURGE ALL DAT IN MY NAME SINCE BIRTH XXXX XXXX XXXX SSA XXXX DOB XX/XX/XXXX OR FACE A CLASS ACTION LITIGATION WITH TRANSUNION.
10/25/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	PA 183XX	Web
I contacted Infutor / Verisk Marketing aka XXXX and requested that my record be deleted on XX/XX/2023. My latest report from XXXX XXXX shows that this company is still reporting my information
10/25/2023	Yes	Credit reporting 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	PA 183XX	Web
I contacted Infutor / Verisk Marketing aka XXXX and requested that my record be deleted on XX/XX/2023. My latest report from XXXX XXXX shows that this company is still reporting my information
03/15/2022	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	CA 94601	Web
i contacted XXXX they advised me that they obtained this information from LCI company reporting public record unable to get a copy of all information being reported and investigation.
04/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60443	Web
My information was stolen and I went to the proper authorities to have the information removed via ID theft reports. However the listed companies failed to remove them.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	NJ 07050	Web
XX/XX/XXXX I received a copy of my XXXX XXXX credit file and discovered inaccurate and illegal information listed in my file
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30542	Web
XXXX consumer inquiry center. XXXX XXXX has a loss claim for property and it is not mine
09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	NC 27530	Web
Company does not explain where it got its information from. My Bankrutpcy is not mine.
02/14/2023	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	UT 84015	Web
Items are being reported inaccurately on my report. Please see attached.
03/08/2022	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	MS 38654	Web
Please acknowledge and address attachment sent on XX/XX/2022
01/05/2020	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	CT 06606	Web
The account of XXXX XXXX XXXX is the result of fraud
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	TX 75238	Web
I requested my FULL disclosure file
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48507	Web
Inaccurate personal information
01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30337	Web	Servicemember

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90804	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30324	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30324	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NM 871XX	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NM 871XX	Web

01/19/2024	Yes	Credit reporting 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	DC 20009	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MD 21401	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77014	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77014	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MD 21401	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77014	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77449	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77449	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MA 01757	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MA 01757	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 76137	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 76137	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	CA 92307	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NY 10954	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77077	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77077	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	PA 18328	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30062	Web

08/22/2023	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	GA 30062	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55303	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	PA 18328	Web

05/13/2023	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	NY 11236	Web

03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39209	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21202	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21202	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	AZ 85268	Web	Older American

02/26/2023	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 30035	Web

01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55104	Web	Servicemember

01/27/2023	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	MN 55104	Web	Servicemember

01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MN 55104	Web	Servicemember

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	VA 22182	Web

10/30/2022	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 30041	Web

09/06/2022	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	TN 37920	Web	Servicemember

07/09/2022	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	MI 48226	Web

07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MI 48066	Web

07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MI 48066	Web

07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MI 48066	Web

07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MI 48066	Web

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	GA 30313	Web

04/13/2022	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 34746	Web

04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TN 37130	Web

04/07/2022	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 33578	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34237	Web

03/10/2022	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	CO 80550	Web

03/08/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	MS 38654	Web

02/19/2022	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 60473	Web

01/29/2022	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	MO 63303	Web

01/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07065	Web

01/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39046	Web

01/20/2022	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	LA 70360	Web

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 90405	Web

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48316	Web	Servicemember

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	CA 90027	Web

12/22/2021	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	NY 10039	Web

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48322	Web	Servicemember

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48322	Web	Servicemember

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48228	Web

12/10/2021	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	IN 46268	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06615	Web	Servicemember

12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75043	Web

11/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CT 06615	Web	Servicemember

11/25/2021	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	MO 63303	Web

11/21/2021	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	IN 46250	Web

11/18/2021	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	CT 06610	Web

10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06610	Phone

10/19/2021	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	VA 23455	Phone

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 78665	Referral

10/03/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30024	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 78665	Postal mail

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06610	Web

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	GA 30528	Web

09/15/2021	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	NJ 07724	Web

09/08/2021	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	GA 30350	Web

09/08/2021	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	GA 30350	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33314	Web

09/04/2021	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	NC 28078	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60484	Web

08/30/2021	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	FL 33647	Web

08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 33578	Web

07/30/2021	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	WV 25102	Web

07/20/2021	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	TX 78723	Web

07/18/2021	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	NY 11691	Web

07/12/2021	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 Was not notified of investigation status or results	GA 30528	Web

07/12/2021	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 Was not notified of investigation status or results	GA 30528	Web

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MI 48152	Web

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 92262	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NV 89148	Web

05/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	MI 48085	Web

04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NC 28078	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 34474	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33966	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20678	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89135	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 21061	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77493	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32818	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95112	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93722	Web

02/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	TN 37064	Web

12/14/2020	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 45216	Web	Servicemember

12/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 79761	Web

12/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30344	Web

11/14/2020	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	MD 21085	Web

10/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 92677	Web

06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48215	Web

04/23/2020	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	CT 06606	Web

09/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91104	Web

08/02/2019	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	NV 89027	Web

07/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	AL 35806	Web

06/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	CO 80104	Web

03/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 94131	Web

01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	NC 28540	Web	Servicemember

05/13/2017	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	AZ 85251	Web

04/05/2017	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	FL 33415	Postal mail

02/03/2017	No	Credit reporting	Incorrect information on credit report Account status	AZ 85251	Web