Date Received: 2023-04-21
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 and Inquiries stated below are being reported by XXXX and is a violation of 15 USC 1681 and a violation of my federally protected consumer rights to Privacy. In which under 1581m, a consumer is entitled to hold them civilly and criminally liable for each of the violations.I have a Right to Privacy, it also states a consumer reporting agency XXXX as XXXX, can not furnish a account without my written instructions, in which I never once gave them consent to furnish any Accounts, Phone Numbers, Addresses, Amounts, or Any of my personal information.In which an account means a demand deposit, saving deposit, or asset account ( other than on occasional or incidential credit balance in an open credit plan as defined in section 1602 ( i ) of the title established primarily for personal, family, or household purposes, but XXXX term does not include an account held by a financial instution pursuant to a bonafide trust agreement. [ XXXX XXXX ] 15 USC 1681c ( a ) ( 5 ) section also states no consumer report cantaining ANY of the following items of information.ANY other adverse items of, other than a record of convictions of crimes which anyedates by more than seven ( 7 ) years.Thus a Inquire is not a crime nor a conviction but yet they are reporting them in my credit report, without consent which makes them criminally liable for Identity theft.In which the following is being reported and are all violations of federal law. Violation # XXXX XXXX XXXX ( Date reported XX/XX/XXXX ) {$1000.00} USD Violation # XXXX XXXX XXXX ( Date reported XX/XX/XXXX ) {$1000.00} USD, Violation # XXXX XXXX XXXX XXXX XXXX XXXX ( Date reported XX/XX/XXXX ) {$1000.00} USD, Violation # XXXX XXXX XXXX XXXX ( Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX XXXX XXXX XXXX ( Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX XXXX XXXX ( Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX XXXX XXXX ( Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX XXXX XXXX ( Date Reported XX/XX/XXXX ) {$1000.00} USD .Also they are reporting the following Accounts which are not classiffied as crimes : Violation # XXXX XXXX XXXX Account # XXXX [ showing a balance of XXXX ; XX/XX/XXXX ] {$1000.00} ; Violation # XXXX XXXX XXXX XXXX Account # XXXX ( showing a balance of {$470.00} ) ( XX/XX/XXXX ) {$1000.00} USD .Further more they are reporting a Auto Loan from Violation # XXXX XXXX XXXX XXXX Account # XXXX ( showing a balance of {$5100.00} ) ( XX/XX/XXXX ) {$1000.00} USD ; Vioaltion # XXXX A Personal Loan from XXXX XXXX XXXX Account # XXXX Showing a balance of {$0.00} ) ( XXXX XXXX, XXXX ) {$1000.00} USD .Vioaltion # XXXX Other Accounts from XXXX Account # XXXX [ showing a balance of XXXX ] ( XXXX XXXX ) {$1000.00} USD ; Violation # XXXX XXXX & XXXX XXXX [ showing a balance of XXXX ] ( XX/XX/XXXX ) {$1000.00} USD [ Please note that, this is the same amount as the XXXX Account, as XXXX sold the account to them and they are both are reporting on my credit report without written consent ] Violation # XXXX XXXX XXXX XXXX Account # XXXX [ showing a balance of {$520.00} ] ( XX/XX/XXXX ) {$1000.00} USD. Also 15 USC 1681s-2 ( A ) ( 1 ) 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 the information is inacurate.In closing XXXX is doing a poor job in protecting consumers information and are comitting identity theft, moreover owes me another {$1000.00} USD for this violation as well, because they are using information that they dont have consent to use and selling it for a profit, when they are confronted by the person/ consumer, they act like you aint say a wordwhen I asked them to remove this information in my letter to them.Well Im saying it again and I said it before erase ALL my information out of your records you dont not have my consent and if I tell you again I will be filing a criminal complaint with the other Federal Bureau of Investigations, also I will be filing a Petition with the United States District Court for All damages . Cease and desist Reporting my information without my consent.Final WARNING!!!!!!!!!!!! XXXX XXXX XXXX/ Consumer Without Recourse.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I ( XXXX XXXX ) maiden name ( XXXX XXXX ) have emailed LexisNexis at XXXX, spoken with numerous customer service representatives, sent personal verification to LexisNexis to retrieve a copy of my LexisNexis Consumer Report and this Risk Solution Agency refuses to sent my personal report which I am entitled to receive. This ongoing issue is started on XX/XX/ and have not been resolved. Can you please assist with this issue.
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I submitted a dispute via CFPB portal notifying LEXISNEXIS of the inaccurate information being furnished on my consumer report as a result of identity theft. On XX/XX/XXXX LEXISNEXIS responded stating the inaccurate items would be suppressed and the other information in my dispute was not currently on my consumer report. After reviewing my most recent consumer report on XXXX it reflects all of the inaccurate information I disputed is currently being furnished on my consumer report. LEXISNEXIS has breached their fiduciary duties for failing to remove the inaccurate information resulting from Identity Theft. Again, I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Accounts : Reference Number : XXXX / XXXX XXXX XXXX XXXX / Account # : XXXX / Amount : {$8000.00} Reference Number : XXXX / XXXX XXXX XXXX XXXX XXXX Account # : XXXX / Amount : {$1000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. Name ( s ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Email address ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX Phone number ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Education : Graduation - XXXX ; Address - XXXX XXXXXXXX XXXX XXXX NJ XXXX
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LEXISNEXIS BROKE THE LAW!!!!! LexisNexis is in violation of 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. ( b ) OPT OUT ( 1 ) IN GENERAL 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. LexisNexis has disclosed my nonpublic personal information to a nonaffiliated third parties. LexisNexis has provided XXXX, XXXX, XXXX, and XXXX with information on me without providing me with disclosure in writing or electronic form or other form permitted by the regulations prescribed undersection 6804 of this title. LexisNexis has not given me time that such information is initially disclosed, to direct that such information is not disclosed to such third party. LexisNexis has also failed to give me an explanation on how I can exercise that nondisclosure option. I gave LexisNexis two opportunities to correct the above-mentioned violation since XX/XX/2023. LexisNexis had over 30 days to correct these violations. My rights have been violated. To correct each violation, means remove all items/information LexisNexis has collected on me as LexisNexis does not have my consent and never had my consent to collect information on me nor provide that information to third parties. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. I gave LexisNexis over 30 days to remove the file LexisNexis has created on me without my consent. As of today, LexisNexis has removed XXXX records from the LexisNexis Report created by LexisNexis on me. Deletion is admission. LexisNexis still has not removed the entire file they created on me. LexisNexis continues to move in negligence and LexisNexis is liable. I am asking the CFPB to step in and help resolve this matter of negligence and continued wrongdoing of LexisNexis to me.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. LexisNexis is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and XXXX XXXX XXXX - BALANCE {$15000.00} - CREDIT LIMIT {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Furnishing personal information that is not accurate. Also furnishing report without consent
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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: On XX/XX/XXXX LexisNexis sent me a letter stating that they could not verify my Identity or documentation could not be verified. I have submitted paperwork to Lexus Nexus several times and provided my social security card, driver 's license, and supporting documentation. LexisNexis State the information documentation was not legible. I will resubmit documents driver 's license, social Security card, Court judgment order vacating fraudulent bankruptcy, FTC identity theft report, police report. I will resubmit documents through this cfbp complaint portal making sure that documents will be received and process efficiently to LexisNexis. The following items should be removed fraudulent bankruptcies listed in the vacate order, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
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: 2nd attempt 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. A debt buyer CANT verify accuracy for any PURCHASED debt. Only I as the consumer can I verify if a debt is mine. You are clearly committing identity theft because XXXX XXXX is stating that you are the one that gave them updated personal information on me which is against the law. The original address and name XXXX XXXX have was not mine. 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. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Delete these accounts XXXX, XXXX, Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item XXXX, XXXX, Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. I contacted XXXX, XXXX, and how is it that they dont have a contract with me but the original information they have is an address that I never lived at and a name that is not an exact match to my name. XXXX, XXXX stated that your CREDIT REPORTING AGENCY gave them updated information on me which is identity theft. Identity docs attached
Company Response:
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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: The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq. Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old. Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
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: Dear LEXIS-NEXIS, I am writing to dispute the information being reported by your company regarding an alleged bankruptcy. You are in violation of the Fair Credit Reporting Act ( FCRA ) by selling, transferring, and reporting inaccurate information to the credit bureaus. As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. It also stipulates that only data furnishers are authorized to provide information to credit bureaus. Banks, credit unions, retail credit, car issuers, auto lenders, mortgage brokers, debt collectors, and other voluntary send information to credit bureaus. Furthermore, I have some questions regarding how your company obtained the information regarding my bankruptcy from the United States Bankruptcy Court. Did the court sell or transfer this information to your company, or did your company obtain it through some other means? Is the United States Bankruptcy Court a credit reporting agency, and do they have the authorization to provide information to credit bureaus? Therefore, I request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting. Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines. Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting. Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format. Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings. I also request information showing a contract you signed to become a data furnisher, including the data furnisher agreement. Additionally, I would like to know how you were able to convert to Metro 2 format and become Metro 2 compliant. I dispute the information being reported by your company and request that it be removed from my consumer report immediately. If this information is not removed, I will be forced to take legal action. Attached information : XXXX XXXX, XXXX XXXX bankruptcy Reference # XXXX, address XXXX XXXX XXXX XXXX, XXXX XXXX Co XXXX last four social XXXX, date of birth XXXX XXXX. Thank you for your attention to this matter. Sincerely,
Company Response:
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A