Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: There is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Lexis Nexis risk solutions needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the PUT CREDIT BUREAU NAME HERE Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. Please, mail correspondence to XXXX XXXX XXXX XXXX XXXX, Fl XXXX Thank you in advance, XXXX XXXX XXXX Birthday XXXX Ss # XXXX Current phone number XXXX
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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: This is my second complaint. 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. 1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX 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. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XXXX. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. This is also the CARES Act Violation no late payments during the COVID-19 crisis XXXX XXXX XXXX Account Number : XXXX Incorrect Late payment reported. XX/XX/2021 your improper procedures are highly damaging to my credit score. Please immediately update to no late payments reporting or delete this item. 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 XXXX Account Number : XXXX Account type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting. 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 XXXX Account Number : XXXX Account type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting. 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXX XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete this item and block this company from re-reporting. 13. Under XXXX XXXX Code XXXX - Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in violation not reporting 100 % accurate. XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete this item and block this company from re-reporting. 14. 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 is XXXX XXXX XXXX NOT XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 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 is XXXX XXXX XXXX NOT XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. XXXX. 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 is XXXX XXXX XXXX NOT XXXX XXXX. XXXX XXXX Date XXXX Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. XXXX. 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 is XXXX XXXX XXXX NOT XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. XXXX. 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 is XXXX XXXX XXXX NOT XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This is the second time these accounts have been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit. This is a 10-Year-old purchased debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices and violations of FCRA.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights . 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 an account without written instructions.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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: 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. 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. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 1. The following personal information is incorrect Previous Names : XXXX XXXX The following personal information is incorrect Previous Names : XXXX XXXX XXXX To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This is the second time this account has been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit. This is a 10-Year-old purchased debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices. 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$580.00} 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. 4. 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- Re-aged- Not mine- CARES act violation. Amount {$1100.00} 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. 5.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$2800.00} 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. 6.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 {$6000.00} 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. 7.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXXXXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$580.00} 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. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Re : 1. Notice of Dispute 2. Request for Removal of Inaccurate Information 3. Request for Investigation of Impermissible Purpose Inquiries 4. Request for LexisNexis to BLOCK XXXX XXXX XXXX from further accessing XXXX XXXX LexisNexis Consumer Report Attention LexisNexis : This communication pertains to the following : Date of LexisNexis Report : XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX The item ( s ) in dispute are as follows : Section 15 : Inquiry Records- Impermissible Purpose Inquiries LexisNexis Risk Solutions , Inc. is regulated a regulated consumer reporting agency ( CRA ) under the FCRA 15 U.S.C. 1681a ( e ). LexisNexis Risk Solutions , Inc. is a person and consumer reporting agency as defined by 15 U.S.C. 1681a ( b ) and ( f ). Pursuant to the FCRA, LexisNexis Risk Solutions , Inc. must maintain reasonable procedures to assure that reports are sold only for legitimate permissible purposes. 15 U.S.C. 1681e ( a ) & 1681b. On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Inquiry Records ( XXXX ) ( See attached Supporting Document # XXXX ). On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Inquiry Records ( XXXX ) ( See attached Supporting Document # XXXX ). On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Inquiry Records ( XXXX ) ( See attached Supporting Document # XXXX ). On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Impermissible Purpose Inquiries ( XXXX ) ( See attached Supporting Document # XXXX ). On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Impermissible Purpose Inquiries ( XXXX ) ( See attached Supporting Document # XXXX ). On XX/XX/XXXX, I submitted a Notice of Dispute and Request for Investigation of Impermissible Purpose Inquiries ( XXXX ) ( See attached Supporting Document # XXXX ). In response to my disputes, LexisNexis Risk Solutions XXXX XXXX responded with the following : On XX/XX/XXXX, in your Results of Reinvestigation, you stated We have reviewed the information from our Inquiry Records and determined the data being reported as unverifiable ( See attached Supporting Document # XXXX ). On XX/XX/XXXX, in your Results of Reinvestigation, you stated We have reviewed the information from our Inquiry Records and determined the data being reported as accurate ( See attached Supporting Document # XXXX ). On XX/XX/XXXX, you provided a document titled Authorized Inquiries. In your communication, you state LexisNexis identified the inquiries dated XX/XX/XXXX and XX/XX/XXXX listed on your LexisNexis Consumer Disclosure report were initiated by XXXX XXXX XXXX XXXX XXXX for the business purpose of collections ( See attached Supporting Document # XXXX ). On XX/XX/XXXX, in your Results of Reinvestigation, you stated We have reviewed the information from our Inquiry Records and determined the data being reported as unverifiable ( See attached Supporting Document # XXXX ). On my LexisNexis Consumer Report dated XX/XX/XXXX, I see additional inquiries from XXXX XXXX XXXX. How many more times do I need to state the following? I have NO accounts in collections!! ( See attached Supporting Document # XXXX, # XXXX, and # XXXX ) FCRA 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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, or a subpoena issued in connection with proceedings before a XXXX grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act or the Federal Credit Union Act, or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. Every inquiry from XXXX XXXX XXXX XXXX XXXX is an impermissible inquiry. Any future inquiry from XXXX XXXX XXXX XXXX XXXX will be an impermissible inquiry. I have absolutely NO business relationship with XXXX XXXX XXXX XXXX XXXX. I did NOT initiate any transaction with XXXX XXXX XXXX XXXX XXXX to initiate these impermissible inquiries. I did NOT authorize these impermissible inquiries. I have never received a XXXX XXXX from any entity. I have never received an adverse action letter from any entity. For XXXX XXXX XXXX XXXX XXXX to claim that they are accessing my personally identifiable information ( PII ) on my LexisNexis Consumer Report for collections is insufficient. Where is XXXX XXXX XXXX XXXX XXXX proof? What original creditor are they collecting for? Where is their contract to collect on behalf of an original creditor? Did they purchase an alleged debt from another creditor? Where is their proof of ownership of any alleged debt? Did they certify under oath with the penalty of perjury that their impermissible inquiries are legitimate? FCRA 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. What are the complete names, complete addresses, and telephone numbers of the individuals from XXXX XXXX XXXX XXXX XXXX who accessed my PII? Please note that I am disputing ALL inquiries by XXXX XXXX XXXX. Please initiate a dispute and investigation for ALL inquiries by XXXX XXXX XXXX. Please investigate what permissible purpose they believe they had to violate my privacy and promptly remove these inquiries from my LexisNexis Consumer Report. Again, please BLOCK XXXX XXXX XXXX from any further access to my LexisNexis Consumer Report. Per the FCRA, how did LexisNexis verify that XXXX XXXX XXXX XXXX XXXX had a legitimate permissible purpose to view my report prior to releasing my private information to them? How did LexisNexis protect my information? I am extremely serious I would like a complete and detailed answer. As I previously notified you, I have initiated litigation against XXXX XXXX XXXX XXXX XXXX for their multiple violations of the FCRA, the FDCPA, and for attempting to collect an alleged debt that was dismissed WITH prejudice by the court in XX/XX/XXXX. Please confirm to me, in writing, your compliance with my request and the actions you have taken to prevent any future impermissible inquiries by XXXX XXXX XXXX. Upon removal of the disputed item, please provide me with written confirmation of the removal of the item from my consumer report and an updated LexisNexis Consumer Report. Thank you for your prompt attention to this matter.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: My DMV report showing me not at fault for the three car accidents I was in but the reports the insurance company pulls saying that I was at fault. I wasnt even in my vehicle for two of them. I was in a work vehicle when I was hit by another car. I provided police reports with the DMV to have this information corrected but It still shows on the insurance end that I was at fault but on my DMV transcript I order shows that Im not.
Company Response:
State: SC
Zip: 29205
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Date : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX LexisNexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX D.O.B : XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a XXXX system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. The Bankruptcy Court has mailed me letters which states that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies. and/or other third-party providers who collects information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. District Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My request to the U. S. District Courts confirmed LexisNexis has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer. and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Lexis Nexis false represented me by obtaining an unverifiable bankruptcy and placed it on my ACCURINT REPORT with out my permission. Lexis Nexis furnished the bankruptcy to the consumer reporting agencies inaccurately without properly investigating this ( Bankruptcy/Public Record ). Only VERIFIED information should be reported to the consumer reporting agencies. Although, The Accurint Report or database is not under the FCRA, however the ACCURINT Report/Database is regulated under the Gramm-Leach-Bliley Act. Lexis still furnished it to the Consumer Reporting Agencies who do follow the FCRA Laws. Therefore, FCRA laws are required during this Transaction or Process.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
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 have submitted a copy of my social security card, a current address, date of birth and a utility bill to authenticate my identity twice by first class mail and Lexis website. Lexis Nexis has ignored the documents and encouraged me to resubmit through their website. Due to ongoing identity theft issue ls via the internet I rather use the U.S. postal mail and Lexis has not indicated they have not received the requested documents in order to release my consumer file and update my information. My social security number ends in XXXX.
Company Response:
State: MI
Zip: 48601
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A