Date Received: 2023-06-27
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2023 requested LexisNexis to freeze my account and they refuse to process my request due to lack of identity documents. Copy of my passport, bank statement were submitted. My driver license is not current, However, proof my address were submitted as well..I believe that I submtted the necessary ducumentation. They also stated that were not legible.
Company Response:
State: PR
Zip: 00646
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My name should only be listed as : XXXX XXXX The only address I have is my current address : XXXX XXXX XXXX XXXX, XXXX, XXXX AZ XXXX Please remove all other addresses and names Remove : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My Lexis Nexis report indicates that XXXXXXXX XXXX XXXXXXXX XXXX ran XXXX inquiries on my report on XX/XX/2023. At this time, my file was frozen. XXXXXXXX XXXX XXXXXXXX XXXX didn't have my permission to request a report
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My Lexis Nexis report indicates that XXXX XXXXXXXX XXXX ran XXXX inquiries on my report. XXXX on XX/XX/2023 and XXXX on XX/XX/2023 At this time, my Lexis Nexis file was frozen. XXXX XXXXXXXX XXXX didn't have my permission to request a report
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX XXXX bankruptcy dispute submitted on XX/XX/2023. I received a letter from Lexis Nexis dated XX/XX/2023 and the letter states the information in my dispute was validated. Per reaching out to the Bankruptcy Courts via letter per letter they do not report to any credit reporting agency. Which means that Lexis Nexis couldnt have validated the information.
Company Response:
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I found out in XXXX that I was mistakingly listed on someone else 's auto and home insurance policies through XXXX ( my insurance company too ). XXXX took me off of the policy and said they fixed the issue so my Lexis Nexis report wouldn't be falsely reporting multiple at fault accidents, home owners claims and other auto related claims. I worked with Lexis Nexis case # XXXX in XXXX and was under the impression everything was fixed. Until XX/XX/XXXX when I was shopping around for insurance and no one will insurance me because they are still reporting multiple at fault accidents, multiple glass claims, multiple towing in my name which is not accurate. This is preventing me from getting insurance elsewhere and if I do find a company the rate will be extremely high.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have this company to freeze and opt me out from doing any business that I have unauthorized with him. I have not received a response.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I hold LexisNexis responsible for providing false and inaccurate information about my XXXX XXXX XXXX car that had Air bag Deployed during an accident which was not true and reported by LexisNexis. My car was stolen based on XXXX police report # XXXX attached here. This report doesnt mentioned anything about XXXX XXXX XXXX. LexisNexis false report was provided to XXXX company owned by XXXX. XXXX indicated that they are not responsible for inaccurate information since their source of data is their third party and provided by LEXIS NEXIS. XXXX has claimed that their source of data collection is from LexisNexis and they are not responsible for accuracy of their report that is published by XXXX or their XXXX company. LexisNexis false report has caused my car value dropped substantially when i was first aware of this false report in XX/XX/XXXX when I was going to trade my car at the XXXX XXXX. I hold them accountable for my financial loss. I would be more than happy to settle with them before I take any legal actions. Sincerely XXXX, XXXX XXXX XXXX Cell
Company Response:
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I HAVE PREVIOUSLY DISPUTED ( XXXX XXXX XXXX XXXX ) WITH YOU, AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE STATED THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT AND THERE RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIYFING THE ITEM WITH THE COURT WAS EITHER A ERROR OR A LIE. EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. ALSO THE ADDRESS THAT IS ATTACH TO THIS IS INCORRECT DOES NOT BELONG TO ME ALSOMUST BE DELETED.
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A