Date Received: 2023-04-24
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: In 2021, found LexisNexis ( LN ) report was inaccurate. While working on corrections, it was suggested that I utilize their " opting out '' process which only resulted in LexisNexis refusal to provide me with a copy of my own file for the past year and also never notifying me if the corrections were made. In fact the first time I asked for corrections, my file which had been 10 pages then became 40 pages with more errors. LN falsely reporting that my son is female and that his email XXXX At no time did LN ever state or write that opting out/suppressing would result in me no longer being allowed to review my information and now being told that my identity can not be authenticated after having been authenticated on numerous occasions in 2021.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Hi, I submitted a request to LexisNexis for my information used for my car insurance. I received a letter with instructions on accessing it. On XXXX, after trying I was unable to and per their website I tried calling and getting a live representative to help me. This was useless. Their phone tree is highly confusing and repeats the same option twice. This makes you think it isnt working. After getting past that I still encountered no option that would help me access my report. The number I called was XXXX ( XXXX ) XXXX. The whole process up to now seems to discourage and make it hard for people to access their information and definitely needs an overhaul. I did submit a request for help the same day, but again want to stress that these practices that this business is doing seems to make it pretty difficult to access my information and is taking me way more time than it should.
Company Response:
State: TN
Zip: 37055
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I've reach out to Lexis Nexis in XXXX and XXXX of 2023 they have refused to give me a copy of my report
Company Response:
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Attached are the results from your investigation that does not tell the consumer, which is me, the accounts that were removed nor the accounts that were verified. I need to know the actual accounts that were removed. I need to know the actual that were verified. Also on the accounts that were verified, i need to know the source. Its stated that LexisNexis was the source, but LexisNexis is not an employer, or creditor nor due i have a contract with your company. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Last year I was hit with a {$300.00} fee from my Homeowners Insurance company, XXXX XXXX XXXX, due to an adverse credit report pulled from LexisNexis risk solutions. I was shocked at the time at the amount of money charged based on my credit score being pretty good, but I did not investigate at that time. I just received my XXXX XXXX XXXX XXXX renewal for XX/XX/23 and there is a {$500.00} charge for bad credit score based on reporting from LexisNexis. That is now {$800.00} in charges for " bad insurance score '' based on credit report from LexisNexis. By the way, this is happening in addition to other massive increases in Florida homeowner insurance, my rate was just increased XXXX! So this time I investigated what could possibly be hurting my score so bad I'm just charged {$500.00} for being a bad person. I requested a report from LexisNexis and received it by mail today or at least it was their system for providing an online secured report. It includes their " National Credit File '' Report and the report is very specific that the information contained within is from XXXX. There are two " bad debt '' accounts listed, one for XXXX XXXX XXXX and another for XXXX XXXX. Additionally, a XXXX account shows three late payments. However, a report pulled tonight live from XXXX shows no bad debt accounts, no late payments to XXXX. All accounts are on time and no late payments reported on my revolving credit accounts. Why a Consumer Financial Protection Bureau report on this? Because this has cost me {$800.00} out-of-pocket so far in adverse reactions to this data. The data is from an old XXXX data pull that contains debts and late payments more than seven-years old. So LexisNexis has created this " National Credit File '' that reports old information from other credit agencies as current. Why is this allowed?! In essence, by pulling data as of a certain date from XXXX and then not updating that information and reporting out on it, LexisNexis has violated my statutes of limitations and FCRA via some " combined report '' that contains data that not even the data source currently contains.
Company Response:
State: FL
Zip: 32605
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: my name is XXXX XXXX XXXX Ive reached out to XXXX XXXX XXXXLEXISNEXIS XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case XXXX XXXX Court Docket Number XXXX ) XXXX XXXX XXXX/LEXISNEXIS XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt XXXX XXXX XXXXLEXISNEXIS XXXX are in ( VIOLATION ) 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley XXXX XXXX Account XXXX XXXX Date XX/XX/XXXX amount : {$3100.00} Account XXXX XXXX Account # XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX Account # XXXX Date XX/XX/XXXX fraudulent amount XXXX {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI have sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. XXXX XXXX Account # XXXX Date XX/XX/XXXX amount : {$3100.00} Account XXXX XXXX Account XXXX XXXX XXXX fraudulent amount : {$1600.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXYou are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX XXXX XXXXLEXISNEXIS XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) -of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX XXXX XXXXLEXISNEXIS XXXX about the accountsXXXX XXXXXXXX Account # XXXX Date XX/XX/XXXX amount : {$3100.00} Account XXXX XXXX Account # XXXX XXXX fraudulent amount : {$1600.00} XXXX XXXX XXXX Account # XXXX Date XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am aware that my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that XXXX XXXX XXXXLEXISNEXIS XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX/LEXISNEXIS XXXX/ furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXXLEXISNEXIS XXXXXXXX XXXX XXXX Account # XXXX Date XX/XX/XXXX amount : {$3100.00} Account XXXX XXXX Account # XXXX XXXX fraudulent amount : {$1600.00} XXXX XXXX XXXX Account # XXXX Date XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXFailure to remove account in 15 days from my consumer report as requested will result XXXX legal matters being taken and me turning you XXXX XXXX XXXXLEXISNEXIS XXXX XXXX FIN AM/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft 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 XXXX XXXX XXXXLEXISNEXIS XXXX Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXXLEXISNEXIS XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXXXXXX Account # XXXX Date XX/XX/XXXX amount : {$3100.00} Account XXXX XXXX Account XXXX XXXX XXXX fraudulent amount : {$1600.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX XXXX XXXXLEXISNEXIS XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 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 given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Lexis Nexis is showing false and inaccurate information. Your driving information has changed. The information you entered during your quote does not match the information we found on your driving reports ) : XXXX XXXX XXXX XXXX - Not at Fault on XX/XX/XXXX Entered in quote, listed on XXXX Accident - At Fault on XX/XX/XXXX Listed on XXXX XXXXXXXX XXXX over {$1000.00} on XX/XX/XXXX Listed on XXXX XXXX - At Fault on XX/XX/XXXX Listed on XXXX XXXX - At Fault on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX I reported my identity stolen and showed the XXXX police report number XXXX and ftc number XXXX as well and all of this needs to be deleted. It is ruining my insurance rate.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: The company Lexis Nexis Risk Solutions is contracted with the state of Florida to maintain to maintain Florida Drivers MVR. This company is reporting false and misleading information about me and will not remove it. It is reporting that I was in at fault and a not at fault accident on the same day XX/XX/2021. This is false because I was actually involved in a hit and run in which someone hit my vehicle and left the area. Consumer reporting agencies can not report false and misleading information about anyone. They also have an address in CA listed on my report in which I never lived at. They know everything about you even my race they only report information on me like this so black or brown people can pay more for insurance.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: On or round XX/XX/2023, I submitted an online request with proper identification to LexisNexis to obtain my credit report/file. Instead of granting access to my consumer file Lexis Nexis immediately denied my request claimed I did not submit identification. According to my records l filed a complaint against LexisNexis with CFPB for this very same deceptive business practices. I am asking CFPB to enact of enforce law preventing consumer reporting agencies to delay or deny consumers access to consumer reporting forcing consumer to write to government agencies to gain access to said reports. LexisNexis is purposely denying consumer report/file to conceal this company has illegally re-inserted previously disputed inaccurate data and credit information to consumer report. LexisNexis re-inserting previous disputed inaccurate information that was removed from consumer report is intentionally lowering consumers credit scores and denying lending opportunities. I believe Lexis-Nexis is targeting American of XXXX XXXX with this practice of reinsertion of disputed inaccurate information on consumer report to intentionally lower credit scores and I requesting an investigation to this deceptive business practice.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I submitted a complaint back on XX/XX/XXXX complaint XXXX XXXX regarding Public records Case XXXX XXXXXXXX and Case XXXX XXXXXXXX and this company continues to report inaccurate false information on my consumer report. I have provided proof and all they seem to do is play the blame game and I'm tired of the lies. On XXXX XXXX responded the following to me via CFPB : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX AS REPORTED ( 2 ) XXXX XXXX XXXX-DELETED ( 2 ) XXXX XXXX XXXX XXXX-UPDATED XXXX-UPDATED XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX XXXX/ XXXX XXXX . Now this says they verified as reported from XXXX XXXX XXXX XXXX Alabama which is false reporting because I have a letter from the court stating they DO NOT report to any agencies. Secondly I called them on XX/XX/XXXX spoke with a XXXX supervisor and was told it was verified through XXXX XXXX which is also false because I also have proof from XXXX XXXX stating the inaccurate records were Deleted on XX/XX/XXXX the supervisor then tells me that when they submitted the reinvestigation Lexis Nexis verified these Public Records and told me its not them I need to contact they are placing blame on Lexis Nexis. Now here is the crazy part I provided documentation from Lexis Nexis after I filed a complaint with them through this same portal showing that these cases had been DELETED and they still continue to LIE. If these PUBLIC Records are not removed from my consumer report immediately I will seek litigation against XXXX or LexisNexis if I continue to be violated with this false inaccurate reporting. At this point I don't know who is lying or telling the truth XXXX or LexisNexis but get the XXXX straight because yall are defaming my character, causing me emotional stress, mental anguish and costing me time and money not only that but this is past violating the FCRA law.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A