Date Received: 2023-04-18
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Lexis Nexis refused to send me a copy of my CLUE report after several attempts to get this information online and over the phone. As a result of their refusal, I lost an opportunity to sell my house as I was not able to provide the report to the potential buyers
Company Response:
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Reporting a bankruptcy without providing any proof only keep saying it has been verified when I dispute. VERIFIED BY WHO BECAUSE courts dont verify or give the company any information
Company Response:
State: VA
Zip: 23601
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
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: As my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. 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. 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. XXXX. 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. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX. The following personal information is incorrect Previous Names : XXXX XXXX XXXX 2.The following personal information is incorrect Previous Names : XXXX XXXX 3.The following personal information is incorrect Previous Names : XXXX, XXXX 4.The following personal information is incorrect Previous Names : XXXX, XXXX, XXXX 5.The following personal information is incorrect Previous Names : XXXX, XXXX, XXXX 6.The following personal information is incorrect Previous Names : XXXX, XXXX, XXXX 7.The following personal information is incorrect Previous Names : XXXX, XXXX, XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXX XXXXXXXX Account Number : XXXX Account type : Closed Amount : Remove Late Payments- XX/XX/XXXX & XX/XX/XXXX This is also a CARES act violation, illness was reported. Your improper procedures are highly damaging to my credit score. Please immediately delete late payments. 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount : Remove Late Payments- XX/XX/XXXX & XX/XX/XXXX - This is also a CARES act violation, illness was reported. Your improper procedures are highly damaging to my credit score. Please immediately delete late payments. 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXX XXXX Account Number : XXXX Account type : Previously Removed Debt from credit report- Not mine- Amount : Charged Off Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt. 12.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I have never had an open account with XXXX XXXX Account Number : XXXX Account type : unknown Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt. 15. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 16.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 17. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. identity documents are attached
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My Name, Address and other information being reported inaccurately. I have disputed things I was told you investigated and the information was accurate. You are giving my private and false information with out my knowledge or consent not only is it identity theft and fraud its against the the law. FCRA 609 ( 15USC 1681g ( e ) ) also you investigation should have been you contacting my neighbors, friends, family. Please send me names, phone number and address of anyone you spoke to. The CRA or Debt collector can not be the entity that gave you information that claim you investigated and claimed to be acutely investigated.
Company Response:
State: DE
Zip: 19973
Submitted Via: Web
Date Sent: 2023-04-18
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 have repeatedly requesting from Lexis Nexis to remove a incorrect inaccurate bankruptcy off my consumer credit report. I have emailed my disputes to them with no notification via email or mail that my disputes have been handled nor has the false bankruptcy been removed from my consumer report to my knowledge. Further more then 3 credit agencies, XXXX, XXXX and XXXX all continue to verify this bankruptcy all siting that Lexis Nexis their third party vendor has verified with them. This is not only a violation of my federal rights knowing full well that the court house does not subscribe to any of the credit agencies nor Lexis Nexis, and yet this false bankruptcy continues to be reporting on my consumer credit report. Lexis Nexis does not have my consent to share ANY information to ANY third party company and or credit agency. Furthermore Lexis Nexis is neither the direct furnisher of any public records. How many times do i have to dispute this false inaccurate bankruptcy off my consumer report before it actually gets removed.
Company Response:
State: NJ
Zip: 07430
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: 2023-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, D.C. XXXX, Law Firm XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I ' ve reached out to LexisNexis regarding information on my consumer report to be removed. They claim it's valid. I don't understand why addressees are on my report and I've never lived there. I don't understand why different variations of my name is on there. I spell my name one way because another entity refer to me as another it should not be made part of my profile. If I never lived somewhere it should not be a part of my profile. I pay extra for another Layer of privacy, not listed non published yet LexisNexis has my phone number as part of profile. My cell number is private they also have that as part of my profile. I don't understand why my childhood resident is relevant to my profile. I've lived at the same place for 23 years why where I lived when I was XXXX relevant to my profile.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap XXXX XXXX XXXX lexis nexis
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my complaint to Lexisnexis. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A