Date Received: 2023-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/XXXX LexisNexis received, certified letter XXXX from me from the US Postal Service XXXX I waited over 60 days for an investigation regarding a XXXX XXXX Bankruptcy they claim to have verified with the XXXX XXXX of XXXX Virginia but I got no response. So I sent out a second certified letter XXXX received on XX/XX/XXXX, and I have waited another 60 days for an investigation to be done and I have gotten nothing from you. LEXISNEXIS you are in violation of the law. You are reporting a Bankruptcy on my Consumer Report that you claim to have verified and is Metro2 Compliant. Bankruptcy is considered public records because it can be accessed for a fee through a system called PACER. The thing about public records is that nobody reports them to Consumer Reporting Agencies. I have a written and Signed Letter from the court stating they do not furnish information to the Consumer Reporting Agencies. PACER is an electronic system the courts use to store information, but its not reported to the Consumer Reporting Agencies. So that leaves me, the Consumer, to believe you violated my right to privacy and, without written consent, furnished information about me which is a direct violation of the law. 15 USC 1681 ( a ) ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. PRIVACY ACT OF 1974 The Privacy Act requires that agencies give the public notice of their systems of records by publication in the XXXX XXXX. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. PROHIBITS : formally forbid ( something ) by law, rule, or other authority. 15 USC 1681b - Permissible purposes of consumer report ( a ) IN GENERALSubject 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. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LEXISNEXIS, you have completely and utterly broken the law and violated my personal right to privacy by furnishing information that is inaccurate and found to be untrue. This clear catastrophe has severely damaged my character, family, and ability to obtain personal and household credit. LEXISNEXIS I demand that you remove this bankruptcy from my consumer report immediately, as you have no right to furnish such information. I also demand that you send disputes on my behalf to XXXX, XXXX, and XXXX, to which you sold this information too for profit. Failure to comply with my request will result in a lawsuit being filed against you for being in violation of Federal LAW!!!
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This complaint is addressed to LEXISNEXIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They required over 30 days to finish the examination and they guaranteed that they did an exhaustive examination. Anyway, when I checked my report, I saw no progressions made by any means. The false information is still being reported. So many times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: My old XXXX XXXX were sealed in a court of law however some companies still have old records and release them without permission I have reached out to companies and asked to have my information removed from there data base but I just ran my XXXX report and my old court records came up I have also asked XXXX to remove these as well but yet has not happen
Company Response:
State: IL
Zip: 60452
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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: Deceptive trade practices.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: 3rd request I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. My date of birth is Date of Birth : XX/XX/1997. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Required identity documentation attached. Sincerely, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: RE : The inaccurate and certifiably noncompliant information you are reporting To Whom It May Concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. Immediately, DELETE LL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. [ Date Filed/Reported : ] XX/XX/2016 [ Reference # : ] XXXX [ Closing Date : ] This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extenas to the reporting mandates that there be no deviation from XXXX CO Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law. Thank you for your time and help in this matter
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX of last year I attempted to buy auto and home insurance with XXXX XXXX. company and was denied due to 2 accidents on XX/XX/2022. I only had one accident on that day but Lexis Nexis reports 2. I attempted multiple times to rectify this situation, but they refuse to even consider fixing this issue. The last communication that I had with Lexis Nexis was by letter from XX/XX/XXXX and they state that their information was collected from the XXXX XXXX XXXX and will remain in my file as accurate. Upon contacting the XXXX XXXX this morning I have procured a letter from their agent stating that Lexis Nexis is incorrect and have the proof.
Company Response:
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After reviewing my credit report I must inform you that I am NOT responsible for the listed account ( XXXX ) 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 ( XXXX ) 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 - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 ( XXXX ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXX 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 CA XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Email address ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX Phone number ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Education : Graduation - XXXX ; Address - XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX has displayed unethical behavior and acted unconscionably arbitrarily posting reaged bankruptcy dates reported on my consumer file XXXX stated that the source reported the the bankruptcy is the court which is deceptive I verified this with the court and that advised they are not a furnisher and did not report to XXXX XXXX reported not responsible for the misuse of my personal information reported on my credit reports XXXX and XXXX acted expeditiously to correct the wrong. XXXX is stalling despite I also sent letter with all necessary verification via USPS and received the green cards of correspondence received by XXXX. This has dropped my score and cause me harm to only have risk based apr over 28 % and less access to credit. I served this country and this is the insult I received. Affected my opportunity for XXXX 's promotion and to purchase autombile.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted a complaint last XX/XX/XXXX for the Bankruptcy on my credit report and it was closed immediately. I submitted a complaint again last XX/XX/XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. The CFPB closed this complaint because they said it has already processed my earlier complaints about my problem. I am creating this complaint hoping that you will assist me this time because I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A