Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: 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.
Company Response:
State: OH
Zip: 44108
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
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 sent numerous letters to the credit bureau and they continuously fail to make corrections to my file. Instead they use stall letters, and claim that a 3rd party sent the letter. They refuse to investigate and send proof of investigation to me even after more than 5 request in the past 12 months. Please refer back to the many letters I have sent in the past 12 months.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XX/XX/2023 - I have disputed a bankruptcy in my XXXX public records. My credit monitoring service has detected the us of my name and social security using the address XXXX XXXX XXXX, XXXX, North Carolina XXXX. I have disputed this bankruptcy with and address with LexisNexis. Both consumer credit reporting companies keep verifing this fraudulent activity after investigations. I have attached the Identity Alert from my credit monitoring service XXXX XXXX to show proof that someone is still trying to use my name and social security number on the DARK WEB and they are using the same address that is reporting on my LexisNexis consumer file. Screenshots attached to show proof. The information is not information relating to any transaction by me. THIS IS NOT A ERROR! 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
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 requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
Company Response:
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: In trying to obtain new auto insurance I keep getting told that I either can't be insured or extremely high rate quotes based on Claims Loss Underwriting Exchange Report claiming I have an excessive number of insirance claims. I do not have any, not one insurance claim in over 10 years, maybe a lot more, that are claims that I am responsible for. I have had two accidents in the last five years in which I was NOT responsible as I was T-boned on both occasions by the other distracted drivers. Of course I am/was involved with those claims, but in no way at fault or responsible. A third claim of my involvement was an RV/Camp trailer that was stolen. This was also no fault of mine and has had no affect on my ex wife 's ability to be insured so why am I being targeted with these. If there is anything else on the report, I have no idea. Because somehow a third party company can see my report in a matter of seconds, yet I have to order mine and wait for mailed instructions to tell me how to access it. Well, I need auto insurance now. Anything else in my report about any other claims is going to be false. Whether fraudulent, mistakenly added, duplicated or whatever the case may be. There should be no claims on my record that I am responsible for.
Company Response:
State: UT
Zip: 84070
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Theres inaccurate information in the bankruptcy files by Lexis , Nexis and XXXX XXXX both companies I have called and tried to dispute online and I have not been able to The name XXXX XXXX XXXX not belonging to me XXXX XXXX or my wife XXXX XXXX. it is in accurate reporting so I want the file removed.
Company Response:
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted a complaint on XX/XX/2023, complaint XXXX XXXX XXXXXXXX to XXXX regarding incorrect information that is reported on my credit report, and multiple bankruptcies. XXXX submitted a response on XX/XX/2023 : ... '' A DISMISSED/DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' I've reached out to LexisNexis ( XXXX vendor ), regarding the response XXXX provided. LexisNexis sent me a letter dated XX/XX/2023, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, LexisNexis did not locate the records listed below in XXXX XXXX file with LexisNexis. Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to XXXX. I would like for XXXX to answer me who they are verifying this information to.
Company Response:
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I've asked LexisNexis to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked them to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. The bankruptcy, charged off accounts, and late payments being shown as mine by LexisNexis are reporting fraudulently, is not true, accurate, or legally verifiable and this violates XXXX standards.
Company Response:
State: MO
Zip: 653XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: On XXXX XX/XX/XXXX, my truck was PARKED, unattended in a XXXX space at XXXX. I was paged by Security to return to my vehicle. An XXXX woman had backed into the right-rear corner of my truck. She called Police and waited. We exchanged information, including HER insurance. The XXXX Police Officer wrote a report. Don't know if she was given any citation. In XXXX, I was trying to change my insurance to another company because of random rate increases. The new policy I wanted, the company found information that XXXX XXXX had reported an " At Fault '' accident. I contacted my insurance company and they provided me with a memo stating that there had been ZERO % Negligence, NOT at Fault. XXXX is STILL putting that information out, more than 2 years later. Apparently Insurance Agencies can't correct their MISTAKES. At this point I will try one more " Complaint '' and then if XXXX does not correct their MISTAKE, I will file a lawsuit. I am an XXXX year old, XXXX XXXX XXXX XXXX and I have neither the money or the intent to continue with the XXXX mistake. My auto insurance cost me HUNDREDS $ $ more because of them. Thanks.
Company Response:
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A