Date Received: 2023-05-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2023, I disputed several Items on my LexisNexis Consumer Report. The disputed was delved on XX/XX/2023 via certified mail. However, the company has not responded in 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including Method of Verification. I do not consent to e-oscar or any means of automated verification. Therefore, they have failed to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Company Response:
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: This credit bureau regardless of the information provided refuses to properly update my credit file. I do not know why or how the CFPB allows them to continue to violate the FCRA and does not enforce any standards against this company. XXXX XX/XX/2023 they yet again will not delete false unverified information from my file. The source they list has provided me and them with documentation that the item on my file is not verified but yet they continue to lie and state it is verified and accurate.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
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 sent a letter out on to LexisNexis on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, LexisNexis said they completed the investigation, and everything was 100 % accurate. According to 15 U.S. Code 1681a - Definitions ; rules of construction- ( e ) 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. I would like to know who did they talk to. How did they complete this investigation. On XX/XX/XXXX, I mailed a letter to the United States Bankruptcy Court, Middle District of Florida. Im confused because I received a letter from the United States Bankruptcy Court, and they specifically stated that they DO NOT report any information to consumer reporting agencies. Since its clear the Bankruptcy Court does not report to any credit reporting agency in this matter ; therefore, LexisNexis response to verifying the item with the court was either an ERROR or LIE. Either way, the reporting requirements do not comply with the FCRA 611. 15 U.S. Code 1681i- Procedure in case of disputed accuracy. 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. Therefore, the information must be Deleted Immediately!!
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I file a complaint with LexisNexis to removed incorrect information from my credit report on XX/XX/2023. It has been 30 days since I submitted my request. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
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: XXXX AND XXXX, KEEP VALIDATING A BANKRUPTCY ON MY CONSUMER REPORT. THEY SAY THE COMPANY REPORTING HAS VERIFIED THE BANKRUPTCY. I HAVE MY CONSUMER FILE FROM ( LEXIS NEXIS ) THE COMPANY VERIFYING AND THEY DO NOT HAVE A BANKRUPTCY ON MY CONSUMER FILE. HOW IS XXXX AND XXXX VERIFYING THIS INFORMATION IF THE COMPANY THEY STATE VERIFIED SAYS IT DOES NOT EXIST. PLEASE HAVE XXXX AND XXXX DELETE FROM MY CONSUMER FILE. PLEASE FINE XXXX AND XXXX FOR FAILING TO RE-INVESTIGATE, THEY ARE VIOLATING MY CONSUMER RIGHTS AND NEED TO BE FINED.
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have ordered my Lexis Nexis reports on XX/XX/XXXX and XX/XX/XXXX via mail and online with no success. On XX/XX/XXXX I have requested LEXIS NEXIS to dispute an item off my report via registered mail XXXX sent to LexisNexis Consumer Center, ATTN : FACT Act Dispute Request, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and delivered on XX/XX/XXXX at XXXX XXXX Lexis Nexis completely ignored my request to dispute AND remove the item in question and have sent documentation back to me stating the dispute was not requested by me. It was a complete hassle to receive a copy of my Lexis Nexis report and this was the first time they finally gave me a copy of my Lexis Nexis report. This goes against FCRA rules.
Company Response:
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a letter from XXXX the first choice for insurance on a letter head for XX/XX/XXXX that stated a ADVERSE ACTION PREMIUM AFFECTED. I did not receive the letter until XX/XX/XXXX in the mail, I did not get a previous email or any documentation of this until today. I purchased this coverage through my Local Insurance Agent. I paid this policy in full on XX/XX/XXXX. XXXX cashed my check or my insurance agent cashed my check for the policy. No one has contacted me until today by mail notice letter that there is a Adverse Action Premium Affected Letter. Please see attachments. XXXX XXXX
Company Response:
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/XXXXXXXX -- -- -- 1 ) LexisNexis stated Court items were UNVERIFIABLE and removed the unverifiable public record Court items from my LexisNexis report on or prior to XX/XX/XXXX per their Case Number:XXXX ( Total Pages 4 of 18 ) Page 2. ( *See Attachment ) -- -- -- -2 ) LexisNexis stated during the same investigation period that Public Record Bankruptcy COURT items were accurate, therefore Verifiable with XXXX as the Source in lieu of the Actual Bankruptcy COURT reporting as the Source with the major Credit Bureaus per their Case Number XXXX ( Total Pages 1 of 16 ) Page 1 ( See Attachment ) -- -- 3 ) LexisNexis again received my dispute on XX/XX/XXXX regarding a Court item and per their letter dated XX/XX/XXXX, this COURT item reporting was determined by LexisNexis as UNVERIFIABLE and stated this item had been removed per their Case Number : XXXX ( Total Pages 5 of 16 ) Page 1 ( See Attachment ). -- -- 4 ) LexisNexis stated in their letter dated XX/XX/XXXX that COURT Property Records were accurate, therefore verified as accurate but listed the SOURCE of the COURT items/records as LexisNexis instead of the Actual COURT per their Case Number : XXXX ( Total Pages 1 of 16 ) Page 1 ; and failed to truthfully state these COURT items are NOT Verifiable and remove them as other COURT items previously disputed and removed. -- -- -- 5 ) I also disputed the SAME Public Record item with the ( 3 ) major credit bureaus, XXXX, XXXX , and XXXX on or no more than ( 2 ) days after the LexisNexis Public Record dispute initiated on XXXX -- -- -6 ) I contacted XXXX credit bureau last week on XX/XX/XXXX to check the status of the Public Record Bankruptcy dispute directly with their company during XX/XX/XXXX and I was informed by the representative after being placed on a brief hold that XXXX completed their investigation on XX/XX/XXXX. I afterwards questioned the representative as to why I never received notification stating this. The representative stated that the " Creditor verified the information as accurate ''. Afterwards I requested that she identify the " Creditor '' who did such and she responded that the " COURT '' as listed on my credit report. -- -- -7 ) I phoned XXXX today ( XX/XX/XXXX ) to check the status of the Public Record Bankruptcy dispute phoned in also in XX/XX/XXXX ( XXXX or XXXX ) and the representative informed me after an extensive search of her records that there was no record of my Public Record Bankruptcy Dispute for XXXX XXXXXXXX -- -- 8 ) I phoned XXXX today ( XX/XX/XXXX ) to check the status of the Public Record Bankruptcy Dispute phoned in on XX/XX/XXXX and was told by the representative that their investigation was complete on XX/XX/XXXX resulting in the following : Bankruptcy COURT information was certified as accurate with XXXX listed as the SOURCE. ( See Attachment 5 ) -- -- -9 ) I contacted LexisNexis today to check the status of my XX/XX/XXXX dispute of the Public Record Bankruptcy COURT item and was told the investigation is still ongoing and had to ask several times if the response meant that the investigation was Open or Closed/Completed. Her final response was that the investigation was still ongoing and Open. I then asked the LexisNexis representative how could the major credit bureaus that use LexisNexis as a 3rd Party Furnisher close their disputes prior to LexisNexis closure seeing that they all were disputed as the SAME time. -- -- -Upon my investigation of this matter by way of contacting each major Credit Bureau on a status as well as LexisNexis, it was found that both XXXX and XXXX " Pretended '' to have submitted my Public Record Court Bankruptcy dispute after I dictated very detailed verbiage to these representatives while on the phone ; but XXXX and XXXX either did not submit the dispute at all or internally deleted my dispute soon after it was taken as I did not receive any Investigation Results from these reporting agencies; or there was an illegal collaboration between the companies to disregard my dispute. Although XXXX may or may not use LexisNexis as its current 3rd Party Furnisher, XXXX 's 3rd Party Furnisher also can not Verify ANY Original COURT records/items as they too state as the Reporting Source in their consumer reports. -- -- 10 ) LexisNexis and similar 3rd Party Public Record Furnishers are illegally, fraudulently and by Bad Faith continue to use deceptive business practices to mislead consumers by utilizing " loop hole verbiage '' within their investigation results in order to retain 'Certain COURT ' items ( to include Bankruptcy Court Records ). One example of the 'loop hole strategy ' is to state a COURT item is " reported as accurate '' but not stating that the COURT items being disputed were actually " both verified and accurate ''. LexisNexis fails to include verbiage both " verified and accurate '' primarily due to the FACT LexisNexis or any 3rd Party Furnisher can not approach, request, or receive any Response from any 'Original COURT Furnisher ' whether it be a County, District , or Federal COURT, as NO COURT reports to Any credit reporting agency and I have obtained and previously submitted my letter to the CFPB, LexisNexis , and the ( 3 ) major Credit Bureaus from the Federal COURT stating such. -- -- - ( Summary ) -- - Finally, the major credit bureaus XXXX, XXXX, and XXXX all declare XXXX illegally as their SOURCE of Bankruptcy COURT records within the results of an investigation by displaying the information was provided from their 3rd Party Furnisher or by naming the COURT in the results of the investigation but actually relying on XXXX electronic computer records and providing a toll free number for XXXX. I have called this XXXX toll free number and told by the XXXX customer service representative that callers are not provided any COURT Records information but only guided how to set up a Public Record account with XXXX or only receive Technical Assistance with the XXXX electronic database issues ; therefor XXXX is NOT an Original Source for COURT records. -- -- -I am requesting an immediate Deletion of any and All COURT items reporting in my files and also requesting deletion of reported Data NOT Certifiably ( XXXX ) Compliant and Proven Valid and PHYSICALLY Verified. I also now invoke my Consumer Rights to demand that ONLY Factually Perfect True Correct Verified Validated claims that are Certified Compliantly Reported be reported. I also demand in this request that you investigate the Source of these accounts and ascertain that the CREDITOR had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be true or not, valid or not, obviously at a bare minimum any alleged reporting date furnisher would be necessarily required to at least be able to VERIFY my complete file information exactly as I have indicated and No other way whatsoever or Immediately Delete and Remove the items referenced.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX RE : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information. ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleled from my file To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information I received a response from Lexis Nexis stating that the following account could not be verified and it was immediately DELETED from my credit file. US Bankruptcy was deleted Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT To Ensure that you receive NOTIFICATION I am including the following attachments to this letter : * My original letter challenging the validity of this account. * Copy of my dispute response showing that this account has been DELETED from my credit file due to their inability to to FULLY VERIFY and certify the accuracy of this account. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2023 I requested LexisNexis to investigate inaccurate information on my credit file. As of now, I have not received a response from the company. On XX/XX/2023, I receive a confirmation that the document was received.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A