Date Received: 2023-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Lexisnexis has been extremely negligent in the dispute process as well as reporting inaccurate information about me on my consumer report. On XX/XX/XXXX, I sent out a letter asking Lexisnexis to verify ALL information on my credit report regarding a bankruptcy they are inaccurately reporting. I provided a copy of my license as well as a truncated SSN ( for my protection due to the rise in ID theft ) on the top right corner of the letter I wrote them. They wrote back stating that they couldnt verify me ( even though I provided a copy of my license and last 4 of SSN ). I called on XX/XX/XXXX to verify myself over the phone and I thought all was well and the process would continue to go smoothly as I allowed them 45 days pursuant to 15 USC 1681i ( a ) ( 1 ) ( B ). However, 46 days later, I havent received a response which is a violation of 15 USC 168i ( a ) ( 1 ) ( B ) and a lack of exercising reasonable procedures which violates 15 USC 1681e ( b ) and showing lack of the grave responsibility they are to exercise pursuant to 15 USC 1681 ( a ) ( 4 ). I got a response on XX/XX/XXXX ( 6 weeks later ) however the letter was dated XX/XX/XXXX. They withheld their response from me for 6 weeks which further evidences their violations! They further stated, in that letter, they disputed the information with XXXX XXXX and XXXX. However, this shows lack of reasonable procedures ( once again ) as, on the lexisnexis website, they state that lexisnexis is the information provided of bankruptcy information for XXXX and XXXX. I then questioned them asking why they disputed with the other consumer reporting agencies as the question was ignored and got no answer. Furthermore, I also asked them if they are the bankruptcy information providers for XXXX and XXXX, why would they dispute with them. This further shows lack of reasonable procedures. Lexisnexis further stated that according to their bankruptcy records the information was verified as accurate. I then asked them for a copy of their bankruptcy records and stated that, by not sending any documentation, it would suggest that they do not have the proof necessary to say the information is truly verifiable. No such records were sent which shows negligence on their part. Additionally, I asked them to provide me proof of their permissible purpose ( pursuant to 15 USC 1681b ( a ) ( 2 ) ) as they are, not only reporting inaccurate information regarding the bankruptcy that I asked them to remove from my consumer report, but they are profiting off of information that belongs to me without my consent nor was I ever notified by lexisnexis that they would do this! Due to this, I was even denied a payment plan for a pair of headphones! Lastly, in some letters they stated that I stated that the account is not mine. In no letter do I state such a thing ( please see attached ) which further proves their lack of reasonable procedures and grave responsibility that they MUST, by law, exercise. Please let me know any information or documents you may need
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: A certified dispute letter was sent to XXXX XXXX on XX/XX/XXXX. Per USPS the dispute was received on XX/XX/XXXX. Up on speaking with XXXX XXXX they confirmed that the letter was received on the XXXX of XXXX. I disputed an unverifiable bankruptcy dated XX/XX/XXXX. per the law i demand this item be removed from my consumer report as well as my credit report. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy .... Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 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. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation remove asap
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I have reached out via phone and the online website for Lexis Nexis to receive my CLUE report multiple times. Every time they send me a letter saying they cant verify my identity. Despite me inputting my own accurate identifying information every time. I have emailed them a copy of my license and still they refuse to send my report. I can never reach a human being on the number they sent or numbers I found via XXXX searches. It was brought to my attention that the adverse incorrect information is there by me trying to obtain affordable auto insurance. Ive been denied by companies and had higher rates with my current provider due to this error. Id like to receive my report to be able to dispute the inaccuracy and file a civil suit. Even letters mailed do not get my report sent to me. Please help!
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Talked to a representative at XXXX on XX/XX/23 at XXXX XXXX. She explained they needed my address and I verified my address and I asked her what has the company ( XXXX ) done to fix the error on the credit report she said they have updated that information and just needed to verify my address. XXXX still has the same information no correction or removal of the information of another consumer information on the report the only thing that was updated was my address at the bottom of the report but the same information as the refuse to remove the information. I have sent my information to an attorney as I have tried to rectify the situation by including CFPB and XXXX
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have disputed the public record of Bankruptcy XXXX XXXX that is reported on my credit report. The address, name, social and date of birth affiliated with this public record is not accurate. My first dispute came back as verified but I was not given proof of how this was verified. The report shows that this information was provided by the US Federal Courts or US Bk Court ( which is not accurate ). I contacted the courts via phone and by certified mail, their response to me was that they can not and will not verify any information with anyone. Nor do they provide court documents or records with anyone, especially credit bureaus. Ultimately, this is a violation of the FCRA regulations and laws. 1. ) Inaccurate Information Reporting for the supplier of information ( Courts ) however the ( Courts ) do not verify or provide information of court documents or records. 2. ) The information of Person reported does not match my information : ADDRESS, DOB, NAME, SSN. XXXX. ) How is this being verified or provided when the supposed supplier of this information has confirmed that they do not and can not do such action?
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem with a company's investigation into an existing issue
Subissue: Investigation took more than 30 days
Consumer Complaint: LexisNexxs failed to provide me a copy the CLUE report they created on me. I demanded a copy of the information maintain in their file on me, and LexisNexis stated it will provide the information in two weeks, Two weeks passed and LexisNexes did not provide a copy of my CLUE report The insirance agent provided that the report received from LexisNexis indicated accidents which is my fault and that is a FALSE statement in all material acpecs. THUS ; I requested a copy of my report ad LexixNesxis refused to provide my a copy, they stated " more time is needed to provide me a copy '' which is a false statement in violation of the Creitid Reporting act. LexisNexis is falsely reporting and is in violation of the Credit Reporting Act
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I keep getting denied for every kind of credit and money service possible I am being unfairly discriminated against and my human rights are constantly being violated causing me distress and XXXX the main problem is with XXXX reporting inaccurate information and with Lexis Nexus risk services also reporting inaccurate information even after they are suppose to remove it
Company Response:
State: OR
Zip: 97526
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a letter from Lexis Nexis dated XX/XX/2023 in regards to a dispute submitted in XX/XX/2023 via CFPB. In my dispute I requested that XXXX to provide me with the source it used to verify the completeness and accuracy of this bankruptcy record reporting on my credit file. It was discovered that Lexis Nexis was the data source for this record according to the attached letter. Lexis Nexis used it's internal source ( Lexis Nexis ) to verify the completeness and accuracy of this record, however according to the attached consumer report sent by Lexis Nexis does not include any bankruptcy record. Lexis Nexis has violated the FCRA by reporting unverified information to XXXX. Additionally Lexis Nexis has violated my privacy by releasing my personal non-public information without my written consent. I demand that Lexis Nexis remove this record from their internal database and to update any suppression reports. I demand that they cease the reporting of this information to XXXX.
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I haven't seen the resolution yet to Lexis Nexis putting incorrect information in my consumer report. I reported a few months ago that they have had all of the wrong information in my file for years. These are all the problems : Personal information incorrect disputing just about everything on the LexisNexis Report There are a lot of names, addresses, aliases, surnames, whatever else that is incorrect on my consumer report. Im tired of this bureau constantly sending wrong information over to the credit bureaus. This needs to stop. I have written letters to LexisNexis regarding this requesting them to STOP sharing my information with everyone, already froze my report AND I requested the deletion of these items from my report. They have failed to do what I asked. I am within my legal rights to have this incorrect information deleted from my consumer file. Please make sure that they delete all of this bad data from my file. Thank you very much! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is NOT my name Addresses that I have either 1 ) never lived at 2 ) are completely incorrect and not current I have asked LexisNexis to remove these addresses as well and I havent seen the deletion of my report. Bad Addresses that need to be deleted PERMANENTLY from my consumer file : Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Number XXXX - submitted on XX/XX/XXXX Have you XXXX XXXX to fix this problem with the company? Yes All of these inquiries are NOT Valid. Therefore I'm putting a FRAUD ALERT on my LEXIS NEXIS FILE as well as XXXX and any of the affiliated companies to Lexis Nexis. I am also putting a permanently security freeze on my data/consumer file. Lexis Nexis has been warned IN WRITING, certified letter, signature required, return receipt, that they are NOT to share my information with anyone, I'm information is NOT for sale nor for Free. I prohibit Lexis Nexis from sharing my personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complete REMOVAL of all of these inquiries would be the ONLY fair action to take.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contact Nexis lexis and XXXX numerous of times about the inquiries on my credit report and also the bankruptcy on my credit report. That has yet to be removed! I mailed in a police report I have mailed in my bankruptcy letter also contacted each creditor XXXX has yet to remove the inquiries. LexisNexis has violated my rights as a consumer. XXXX stated that the bankruptcy court report the bankruptcies now I uploaded the bankruptcy letter now they saying XXXX XXXX XXXX AND LexisNexis report the bankruptcies on my credit which is false information that was applied to my credit report. LexisNexis sent me a letter stating they initiated a dispute but didnt accurately fix the problem because they said they could identify me! By law XXXX dont have to give you my personal information because I dont want you with it but still LexisNexis are reporting things to XXXX with no accurate information. LexisNexis stated in the letter they need proof of my id social security card and bill! If LexisNexis dont have all of my information why are they reporting things on to my credit!!!! Starting today this will be my last and Finally warning to remove all bankruptcies and inquiries off of my credit file! If you can provide proof of things you have submitted. Or I will be filing a lawsuit! Against LexisNexis and XXXX. I want both companies to provide me accurate information. I froze LexisNexis from accessing my personal information in XXXX but they still refuse to stop accessing it and reporting inaccurate information to credit bureaus. Attached is a letter from XXXX LexisNexis sent me. They closed another complaint today and didnt provide the attachments accordingly. I cant look or click on the attachment! Please remove all bankruptcies from my credit report!
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A