Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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 reviewed by credit report from XXXX dated XX/XX/XXXX, and discovered once again an inaccurate and incomplete record reporting on my file as " XXXX XXXX XXXX XXXX XXXXXXXX '' Reference # XXXX. In my dispute according to complaint # XXXX, I requested that XXXX provide me the " SOURCE '' of the information for this disputed inaccurate and incomplete bankruptcy record. XXXX has refused to provide this information which is intentional and reckless. According to the FCRA XXXX is required to provide me the source of information in accordance with 15 US 1681g ( a ) ( 2 ) which states " Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer '' ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. '' In dispute and case # XXXX ( attached ) XXXX admitted to not contacted the courts for this information and stated that he relies on " Public Record Vendors '' which is what is reporting on my credit report ( attached ). If this has changed, XXXX needs to " CLEARLY '' state it's source. I have also attached a disclosure from Lexis Nexis who has stated that they provide XXXX with public record information. My Lexis Nexis disclosure report does not include a bankruptcy, this has been provided to XXXX on numerous occasions. Additionally, Lexis Nexis is not authorized to share my data with XXXX or any other source with the exemption of Law Enforcement per my suppression request. It is illegal Lexis Nexis to report information that has been disputed and unable to be verified as accurate. It is also a violation of privacy if Lexis Nexis is sharing my personal data without my consent. I am requesting XXXX provide me the source of information and how it verified the completeness and accuracy of this record. I DO NOT accept the investigations completed on XX/XX/XXXX, XXXX or XX/XX/XXXX as they DO NOT address my dispute and request. If XXXX can not do so within 30 days of this dispute, it must delete this record from my credit report.
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The auto insurance quote is high due to my driver record showing 2 not at fault claims. My actual 7-year driving record does not reflect that at all. The claims were for rear-ended accidents in which the first was paid by the other vehicles insurance ( my insurance company XXXX did not pay anything and the second was a hit and run rear in which the vehicle was not fixed and no payment was made by the same mention insurance company. I need these items removed so I can obtain a better insurance rate.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Over a week ago I applied online for a report from LexisNexis Consumer Center. I have still not received any confirmation that they received my request. In their website I found a phone number to submit a request via phone and to speak with a live operator : XXXX. i was never given an opportunity to speak with a live operator. So I still do not have any verification that they received my request. I feel that the Company needs to provide access to a live operator, as advertised.
Company Response:
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My complaint is based more so on Lexis Nexis. Upon learning of them, I began to look further into my information, requested my report as it was given to others, and also wanted a stop to them further providing any information about me without my consent. Furthermore, someone collecting information on my ho.e, my accounts, were I work, who I talk to, what I drive, etc. Has a different type of word in my state., 2 actually stalking and harassment with the I tent to do harm. My attempts to receive the report lead me moresoe down a rabbit hole then anything. It was developing g the report and things like did you know XXXX has been plaved on a watch list by individuals... .obviously that isn't information any person could just find on an internet search, it lead people to believe their were XXXX XXXX potentially about to be shown to them, etc. My family are all criminals. None of this is at all anywhere near a a complete truth. In order for me to have the report stopped from being released, they required I provide them with my social security number and driver 's license number, home address. I don't believe this group has the authority or my consent at any point for a file with my banking information, my annual income, etc. To be given to them let alone distributed for payment... it's my information, if any money is made off of it,, it's my money, not theirs. It's my information ... and it's for sale.?. For Profit?? How is this even legal and why are they allowed to do this?
Company Response:
State: MN
Zip: 565XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The personal information on my report is wrong. The only personal information that should be on there is my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am the victim of identity theft. I recently learned that XXXX XXXX is reporting a bankruptcy filed in 2016 that I did not file. I have an FTC Identity Theft Report and a Court Order confirming I am the victim of identity theft. I did not file this bankruptcy and the bankruptcy is over 7 years old from the filing date. It is not mine. I have submitted my current identifying documents to prove my current identity.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report my more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX XX/XX/XXXX Lexis NexisXXXX RE XXXX Requesting a Method of Verification Letter To whom it may concern : XXXX has confirmed that Lexis Nexis has verified the accuracy of a reported bankruptcy that is being fraudulently reported on my consumer report without my written authorization. I am requesting proof of this alleged bankruptcy that Lexis Nexis continues to report as accurate and verified to outside credit agencies. This act is not only a violation to the FCRA, but it is also illegal. For this reason, I am requesting deletion of this record. I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Company Response:
State: MI
Zip: 48210
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A