Date Received: 2023-03-19
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: LexisNexis is not granting my request I have sent in by U.S. mail, phone, and online at XXXX XXXX XXXXlexisnexis.comXXXX and XXXX XXXX XXXXXXXXlexisnexis.com/, for a Consumer Disclosure Report and a LexisNexis Opt-Out in XXXX and XXXX and XX/XX/XXXX. Their results are requesting the same accurate information to verify my identity that I previous sent in to them by U.S mail and I sent in the same information over the phone. LexisNexis also have an incorrect spelling of my first name from a different request in XXXX of a LexisNexis Opt-Out, after notifying them about it, they still continue to not correct it by updating the error of my first name. The incorrect first name is : XXXX.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On, XX/XX/2023. I submitted a letter to LexisNexis Risk Management for falsely reporting information from the Bankruptcy Court to the credit bureaus. I have informed LexisNexis to remove this inaccurate information from their database. LexisNexis has violated Congress Laws of FCRA. LexisNexis did not have a Permissible purpose nor did they have my written instruction. 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction According to the letter I have received from XXXX XXXX Bankruptcy Court , they do not furnish or report information to third parties.
Company Response:
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Last 4 of SSNXXXX RE : XXXX XXXXI 've previously requested my consumer report from you & provided all the necessary documentation I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXPlease tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? Supply your response within 15 days or delete the trade-lines.
Company Response:
State: TN
Zip: 37072
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
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: I recently complained about LexisNexis reporting to XXXX a bankruptcy on my credit report. LexisNexis advised to me on XX/XX/XXXX that the bankruptcy was removed from their system and that they stopped reporting to XXXX. On XX/XX/XXXX LexisNexis advised on their website that they stopped reporting to XXXX in regard to bankruptcies. LexisNexis responded to me that they have to authenticate my identity when they have already done so and sent me a letter explaining that the information was removed. I have enclosed documents for reference. XXXX needs to delete the bankruptcy off of my credit report.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ive attached the exact letter I sent to Lexus nexus, describing the issue. Enclosed is also my license and current utility bill to verify my identity. Thank You.
Company Response:
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with non-monetary relief
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: Re : Opt-Out and Information Suppression I am in receipt of your letter dated XX/XX/, referencing my request to opt-out and for information suppression from all LexisNexis products ( See attached Supporting Document # 1 ). In your letter, you state that I have the option to have my information suppressed from all LexisNexis consumer-facing products, Accurint Contact and Locate Report, Accurint Comprehensive Report, XXXX Report, and my XXXX Report. This shall serve as my formal written request for LexisNexis to suppress all information pertaining to me and/or any of my identifiers from all LexisNexis products XXXX Thank you for your assistance and attention to this matter.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-03-19
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: This communication shall serve as my FIFTH REQUEST for the SOURCE DATA of EVERY ITEM listed in my LexisNexis Accurint Comprehensive Report and LexisNexis Accurint for Collections Contact and Locate Report. In your cover letters, you state " In order to correct inaccurate data, you must go back to that source to clear the official record. '' Seeing that roughly 85 % of the information contained in the reports is completely wrong, I need the source data to get working on it. I do not understand why this has been so difficult for you to complete my request. As of the date of this communication, I have received two copies of both Accurint reports with NO source data. And, the reports you have sent to me have the tops cut off so I can not see all information. Please provide the reports to me on appropriately sized paper so that I can clearly see ALL INFORMATION. Would you please take responsibility for this matter and see to it that I receive COMPLETE COPIES OF THE REPORTS and the SOURSE DATA for EVERY ITEM contained in the reports? For verification purposes, I have included a copy of my identification and social security card. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this 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: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this 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: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: LexisNexis complaint XXXX. Written response from lender.. Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify identity Your Right to Get Your Consumer Report In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. What it all boiled down to was this... .everything and I mean everything already passed underwriting! You may not get that now but that is the facts.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A