Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I've been trying to get my information updated and correct as far a my address is concerned and in getting nowhere with these companies. I'm enclosing my identification and social so that this information be accurate and up to date on all of my consumer reports. The only address that's valid up to date, and accurate is the address in my drivers license. None others are mine or have belonged to methat should be on any consider report is the address on my drivers license. The other address pictures below should be removed as well as any other addresses on my record. They do not and have not belonged to me
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have tried multiple times to correct errors by sending dispute letters and I have contacted XXXX XXXX XXXX by voice with no result so I would like to request that CFPB step in and help. On XXXX XXXX I Received a LexisNexis Report. Consumer Number XXXX, XXXX XXXX XXXX. My first concern is that I have Security Freezes on all the credit reporting agencies including XXXX and LexisNexis. How was this information sent to LexisNexis from XXXX with the security freeze in place? I will attach page 1 of 20 showing the sharing of my credit information. The second Error I found is the accurate reporting of information on my LexisNexis - XXXX - XXXX XXXX XXXX credit information. BY Law FCRA Section 611 Furnishers and Credit Reporting agencies are to report information Accurately and is Complete If information is incorrect or incomplete the account is to be DELETED. Located on Page 5 of 20 XXXX XXXX XXXX Report contains multiple ERRORS. XXXX XXXX XXXX XXXX Account Number XXXX. This account was reported for incorrect amount of {$24000.00} correct amount {$24000.00} ( INACCURATE ) .I will attach a copy of the from XXXX XXXX XXXX which will show the payment history - which will show the errors. ( ERROR 1 ) - Status ( Discharged through Bankruptcy XXXX XXXXNever late ) This account was not discharged but was REAFFIMED meaning the account continued to be paid - paid in full with a zero balance,. ( ERROR 2 ) The payment history shows payments through XXXX of XXXX of the credit report. Please look at the attached payment history from XXXX XXXX bank you will see that the last payment was made XX/XX/XXXX. THIS IS OVER 3 YEARS DIFFERENCE from what is reported????? This loan was paid in full, on time, and to a zero balance. Many of the Categories of this report have been filled in with " Not Reported '' leaving the report INCOMPLETE. Terms " Not reported '' This account was in place from XXXX to XXXX ( ERROR 3 ) Recent balance " Not reported '' ( ERROR 4 ) High Balance " Not reported '' ( ERROR 5 ) Monthly Payments " Not Reported '' ( ERROR 6 ) Recent Payment Amount " Not reported '' ( ERROR 7 ) Date of Status -Incorrect - This account was paid in full the last activity was XX/XX/XXXX ( ERROR 8 ) This account was paid in full, with no late payments, the account should have been listed as a positive account. ( ERROR 9 ) By law tis account should show ACCURATE and The information should not be missing information. This account has shown multiple ERRORs and is incomplete making this INACCURATE. XXXX XXXX XXXX has verified this account even with the attached information showing it is not.
Company Response:
State: MT
Zip: 59101
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I have tried several times to obtain my consumer report from LexisNexis, in each attempt I was not provided a copy of my personal credit report. XXXX XXXX continues to furnish outdated and unverified information about me.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My dispute is to Lexis Nexis for inaccurate information on the bankruptcy file. I ask that some one alive review my dispute and not just a automated system. I am not disputing if the bankruptcy belongs to me or not. In the bankruptcy file, there is a name not belonging to me or my wife XXXX XXXX XXXX under the fair credit act law Lexis Nexis must delete the files and not furnish inaccurate information because its illegal for you to do so. I asked that someone alive review my request because by law I have the right. and I ask that the bankruptcy files be deleted even though it belongs to me but because legally it has inaccurate information a name not belonging to me or my wife!
Company Response:
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This credit bureauDoes not repect or follow the Laws of FCRA. In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXX BANKRUPTCY : # XXXX All of these accounts listed above has violated my rights According to 15 USC 1681i ( 5 ). However this credit bureau is saying that these accounts were verified for 100 percent accuracy. However I asked them how? when the filing date on each account is wrong. I also requested that they provide me proof and a written description of the investigation according to 15 USC 1681i ( 7 ) which they never did. Additionally, according to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, I've learned that according to the following FCRA Laws my rights were purposely disrespected. 15 U.S.C 1681 section 602 A States that I have the right to privacy. So reporting the inaccurate accounts blatantly disregard my rights. and according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account information without my written instructions and I have not Giving Any written instructions to do so. These are Serious Violations of my rights. I feel situation is causing me alot of stress because I believe my rights have been violated purposely which makes me loose hope in this whole system. I hope this complaint compels this credit bureau to do their jobs more effectively with the consumers rights being respected.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: My mortgage loan was denied during underwriting because LexisNexis reported a foreclosure against individuals of an estate instead of the estate. The document clearly states that is the estate of the deceased followed by a ; and the list of names of from the estate. I've reached out to the lender with supporting documents ( XXXX XXXX, Years of Property Taxes, Deed, and Mortgage without my name ) on XX/XX/XXXX but they haven't made a decision as of XX/XX/2023. The closing on the house is in Jeopardy from this error. This hasn't shown up on any other credit report. This report didn't take into account that it was an estate foreclosure and seemed to only read the trigger word " foreclosure '' and the list of names on it.
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am writing this dispute to have the bankruptcy to be removed off my credit report public records XXXX XXXX case # XXXX due to the bankruptcy court has no jurisdiction over credit report agencies or 3rd party agency, nor do they verify. The bankruptcy clerk office is not responsible for credit report and does not provider information to the credit report agencies. i have attached the letter from the XXXX XXXX XXXX Georgia as proof. Please remove the Bankruptcy off the public record on my credit report. Thanks
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear CFPB & ALL MENTIONED PARTIES : LEXIS NEXIS, XXXX, XXXX, FINDINGS IN THIS REPORT SOLELY BY ME AND ONLY ME. TO ALL MENTIONED PARTIES : XXXX, XXXX, XXXX & HAVE PROVIDED PROPER DOCUMENTATION VERIFYING MY IDENTITY INCLUDING MY SSN, CALIFORNIA DRIVERS LICENSE, AND CREDIT CARD STATEMENT. THIS IS A Metro 2 Letter of Compliance - Account Inaccuracies and Violations of Reporting Laws Dear Sir/Madam, This letter functions as my lawful and rightful consumer notice of recent and currently discovered items ) with potential misinformation not certifiably compliant in reporting and or else wise appears deficient in its reporting status ' as reported when reported. Additionally, this compte rendu represents my consumer rightful demand for adequate investigation reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately made a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! I am writing you with this formal protestation versus claims ) made and a demand for swift action on your part. You are non- compliantly reporting wrongly to the main three credit reporting repositories and damaging my credit. You are with infractions ) of the FCRA aka the fair Credit Reporting Act. The surety of infringement should be subject to fines and damages. I am providing you but this one last fortuity for adequate modification of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were inappropriately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to modify appropriately my file. Due toy our now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it resembles that my for warded note was unexpectedly disregarded. As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe : Erase now or transmogrify as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the illicit claims following : 1. XXXX XXXXXXXX XXXX # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 2. XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 3. XXXX XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 4. XXXX XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 5. XXXX XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 6. XXXX XXXXXXXX XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 7. XXXX of XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 8. XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 9. XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 10. XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the XXXX timeframe as required by FCRA XXXX XXXX ( XXXX ) ( XXXX ) ( A ). 11. XXXX of XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 12. XXXX XXXX XXXXXXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 13. XXXX of XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 14. XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 15. XXXX of XXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 16XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). In accordance with the FCRA and the Metro 2 Reporting Format, I hereby request that the above-mentioned accounts be deleted from my credit report immediately. The violations and inaccuracies associated with these accounts have been outlined in my previous correspondence and are summarized as follows : 1. Violation of FCRA Section 604 - Consent : These accounts were reported without obtaining my consent, as required by the FCRA. 2. Violation of FCRA Section 611 - Investigation of Disputes : The creditors failed to conduct a reasonable investigation and provide a response within the 30-day timeframe upon receiving my dispute, as mandated by the FCRA. 3. Violation of FCRA Section 623 - Duties of Furnishers of Information : The creditors have provided inaccurate, incomplete, and unverifiable information, which must be corrected or deleted under the FCRA. I request that a handwritten carbon copied response to be sent out VIA USPS MAIL to my address, I also demand under the FCRA that each individual credit Bureau also send carbon copied responses to each other when communicating as required by law in handling the inaccuracies on my report fairly. Thank you for your attention to this matter, and I appreciate your cooperation in rectifying these inaccuracies. I look forward to receiving written confirmation of the deletion of these accounts from my credit report. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: My identity was stolen that resulted in a XXXX account being opened for {$140.00} that closed. A bankruptcy thats on my credit file submitted by another company.The court i filed with stated that they do not share that information with the credit bureaus.
Company Response:
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A