Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Dispute is for Accurint Consumer file- See attached
Company Response:
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexisnexis reports to Rental agency I have a eviction and judgment on my record from XXXX that kept me from getting and apartment. I have sent them documentation twice that I wasn't evicted and the judgement was vacated by the judge as the landlord owed me money. Lexisnexus provided a report they clearly didn't read through and it hurt me finacial and emotionally in the long run. They are know to have inaccurate information and nothing is being done to monitor to make sure they are doing their due diligence. I need this matter cleared to be able to move.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, XXXX, XXXX, LexisNexis and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. Thank you for your attention to this matter, and I look forward to hearing back from you soon. Sincerely, XXXX.
Company Response:
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This complaint is addressed to LEXISNEXIS RISK SOLUTIONS. 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 claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. My rights have 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: 90501
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XX/XX/XXXX, I submitted a Notice of Dispute and a Request for the Removal of Inaccurate Information regarding the Lien, Judgement, and Civil Filing Record that is being reported in my LexisNexis Consumer Report. On XX/XX/XXXX, I submitted a Second Notice of Dispute, a Request for Removal of Information regarding the Lien, Judgement, and Civil Filing Record that is being reported in my LexisNexis Consumer Report.In a Result of Reinvestigation Report dated XX/XX/XXXX, LexisNexis stated : We have reviewed the information from our Lien, Judgement, and XXXX XXXX XXXX and determined the data being reported is accurate. Research was conducted with the following source : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX IL. On XX/XX/XXXX, I submitted the attached Method of Verification Request, a Request for Reinvestigation, and a Request for Removal of Inaccurate Information ( XXXX ) regarding Lien, Judgement, and Civil Filing Record that is being reported on his LexisNexis Consumer Report. This item is inaccurate. I have never lived at XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX XXXX I have NO liens, judgments, or civil filings against me. I am NOT associated with this civil court filing. While there appears to have been a public filing against someone with the same or similar name to me in XXXX XXXX, Illinois, it is NOT associated with me. In an effort to prove that the item does not belong to me, I obtained the court filing from the XXXX XXXX, Illinois XXXX XXXX XXXX. The court documents do NOT include my full name, address, birth date, or social security number. Therefore, this item must be considered UNVERIFIED and promptly removed from my LexisNexis Consumer Report. During the entire time frame listed in the complaint, I lived over XXXX miles from the address listed in the complaint. Beginning in XX/XX/XXXX, I lived at XXXX XXXX XXXX, XXXX, Illinois XXXX. I sold the property in XX/XX/XXXX and relocated to XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. To support my dispute, I have included a copy of the mortgage records from my XXXX Credit Report XXXX XX/XX/XXXX, a copy of the mortgage records from my XXXX Credit Report dated XX/XX/XXXX, and a copy of the mortgage records from my XXXX Credit Report XXXX XX/XX/XXXX. The Fair Credit Reporting Act ( FCRA ) defines LexisNexis Risk Solutions as a consumer reporting agency. Therefore, LexisNexis is governed by the FCRA, as well as several additional federal and state statutes. Let us not forget that it is NOT the consumers responsibility to prove that an inaccurate item DOES NOT belong to the consumer. It is not possible to prove a negative ( for example, one can not prove that pink and purple flying elephants do not exist on the planet Jupiter ). Per the FCRA, it is the consumers duty to notify the consumer reporting agency of inaccurate, incomplete, and/or incorrect information. The burden of proof falls upon the consumer reporting agency. Per the FCRA 611 ( a ) ( 1 ) ( A ), it is the consumer reporting agencys responsibility to investigate the disputed information, verify the accuracy of the disputed information, and prove that an item belongs to the consumer The FCRA 611 ( a ) ( 1 ) ( A ) states that it is a consumer reporting agencys responsibility, when notified by the consumer that the information in a consumers file is disputed, to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. The FCRA 611 ( a ) ( 1 ) ( A ) reads : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to the FCRA 611 ( a ) ( 5 ) ( A ) ( i ), for an item to be included in a consumer report, the information must be accurate, complete, and verifiable. The FCRA 611 ( a ) ( 5 ) ( A ) ( i ) reads : ( a ) Reinvestigations of Disputed Information ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. To maintain the accuracy and integrity of my LexisNexis Consumer Report, and pursuant to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), this shall serve as my formal request for a description of the procedure ( also known as a Method of Verification Request ), specific to my dispute, that LexisNexis used to verify the accuracy and completeness of the information LexisNexis is reporting. A general description of actions that LexisNexis may or might take is unacceptable and will be lawfully rejected. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) reads : A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The item in question is inaccurate and represents a very serious reporting error. In compliance with the FCRA, please provide complete and detailed answers to the following question regarding your Result of Reinvestigation letter dated XX/XX/XXXX. 1. A complete and detailed description of your method of investigation and how you came to your determination that the information you are reporting is complete, correct, accurate, and verifiable. How did you verify the accuracy of the information you are reporting? 2. A complete and detailed description of the procedure that you used to determine and verify the accuracy and completeness of the information you are reporting. 3. Copies of all documents and correspondence with any entity or individual as part of the reinvestigation of my dispute, including electronic correspondence of all types. 4. A copy of all information you sent to the furnisher of information during your investigation, including transcripts of all telephonic conversations, and any information you received from the furnisher of the information. 5. The name, job title, and contact information of all LexisNexis employees who participated in your investigation. 6. The name, job title, and contact information of all Clerk of the XXXX XXXX XXXX XXXX XXXX, Illinois employees who participated in your investigation. 7. A complete and detailed description of the procedures that you used to protect my information during your investigation. 8. All training manuals and policies and procedures specifying LexisNexis policies and procedures for verifying the accuracy and completeness of information before it is reported on a consumer credit report. Please do not provide another generic response or template letter stating the various methods you may or might use to verify the accuracy and completeness of the information you are reporting. Please provide complete and detailed answers to my specific questions. Any automated response or e-Oscar verification is unacceptable. In addition to my Method of Verification Request, I am requesting a Reinvestigation of my original dispute. The FCRA 611 ( a ) ( 7 ) states that a Method of Verification Request must be provided to the consumer within 15 days of receiving a request from the consumer for that description. FCRA 611 ( a ) ( 7 ) reads : ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. The statutory deadline for you to respond to this Method of Verification Request with verifiable proof, specific to my dispute, is March 19, 2023. The FCRA 607 ( b ), Compliance procedures [ 15 U.S.C. 1681e ] states : ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. What reasonable procedures did you employ to assure maximum possible accuracy of the information you are reporting? It is NOT my responsibility to prove that the item in dispute do not belong to me. It is simply not possible to prove a negative. It is my duty to provide you with a notice of dispute for the information I believe to be inaccurate. It is LexisNexis responsibility to prove that the items in dispute are accurate or that they do belong to me. Simply stating that you verified the information as accurate is insufficient. If you are unable to provide satisfactory verifiable proof ( e.g. a document with my original handwritten signature ) as to how you verified the accuracy of the information you are reporting, within the 15-day statutory requirement, the item in dispute must be treated as unverifiable and removed, in their entirety, from my LexisNexis Consumer Report. Additionally, I submitted a request to opt-out and initiate the LexisNexis Information XXXX XXXX XXXX My request was approved on XX/XX/XXXX, therefore, all you have to do is push the delete button. Again, the statutory deadline for you to respond to this Method of Verification Request with verifiable proof that is specific to my dispute is XX/XX/XXXX. Upon removal of the disputed item, please provide me with confirmation, in writing, of the removal of the item 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: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX is reporting fraudulent accounts on my XXXX XXXX consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but XXXX XXXX XXXX has not responded.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have previously disputed the circled items enclosed. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. * According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. * They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ; these credit bureaus have 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 a account without my written instructions * 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. * 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. * They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate or it MUST BE DELETED IMMEDIATELY Also, all credit bureaus are showing inaccurate and erroneous personal information. I have one address, one phone number, one name ; any inaccuracies must be removed immediately as they are impacting my credit score tremendously and hindering my reputation
Company Response:
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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, 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 a account without my written instructions I have not given anyone permission to buy, sell, share my personal credit information with anyone. I want these account deleted immediately. My right to privacy is being violated and the law has been provided to you. Only my credit card was agreed to and my bill payment with XXXX XXXX
Company Response:
State: IL
Zip: 60651
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: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have communicated them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Applied for loan was 99 % complete when NexisLrxis reported they could not identify me. Even though I called and they were able to respond and sent me a letter. Now both the lender and bank changing their replies and cannotcanswervwhybtheyvrecieved that wrong information? I am also confirmed with XXXX who Necis draws their information from. Now in relation to this followup complaint forcan answer and corrected report thrumplay the who are you card! : '' Dear XXXX XXXX XXXX XXXX, Re : Unable to Process Request Thank you for your recent contact to LexisNexis Risk Solutions ( LexisNexis ). Unfortunately, we are unable to authenticate your identity and therefore can not process your request. The following are some reasons why the authentication process may have been unsuccessful : Some or all of the identity verification documents you submitted were not legible. No identity verification documents were submitted. Some or all of the identity verification documents you submitted did not qualify in order to verify your identity. We encourage you to visit https : //consumer.risk.lexisnexis.com in order to resubmit your request via the Electronic Request Form. Your submission will create a request to obtain your consumer report that will assist you in identifying inaccuracies in the information. If you believe the information contained in your report is inaccurate, you can file a dispute with us. LexisNexis files may contain name and other minor identifier variations within your file, as do all consumer reporting agencies. Note that we do not match consumers to files based upon only one piece of information, but rather undertake a thorough data matching process that ensures the consumer is matched to the correct file. The following types of information or details when accompanying a submission can only assist in authentication of your identity : Full Name : including first, middle and last name Current address including zip code Current phone number with area code Full Social Security number Full Date of Birth ( month, day, and four-digit year ) Additional documentation can assist in authenticating your identity. However, this additional documentation is NOT required for a consumer to request their file. Types of documentation ( legible copies ) accepted are : A current drivers license or other current government issued identification card showing current address and date of birth Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Recent cable, utility or telephone statement with your name and current mailing address Bank or credit card statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with your current address W2 tax form with your current address Note : The address on the identification card or other identity verification document must match the address provided in your request. We understand and share your concerns regarding the security of your personal information, and you should note the information you provide to LexisNexis is used for verification purposes only. LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please visit us at https : //consumer.risk.lexisnexis.com to learn more about the personal information LexisNexis Risk Solutions maintains about you in accordance with the Fair Credit Reporting Act. If you feel you need additional assistance to successfully process your request, we ask that you contact the LexisNexis Consumer Center and engage with a representative to assist you. Phone : XXXX Email : XXXX Hours of operation are Monday Friday from XXXX AM to XXXX PM Eastern Time Consumers with disabilities or who need other special assistance can email us at : XXXX. In an effort to protect your privacy and deliver prompt service, please have your Case Number ( located at the top of this letter ) referenced in any email and accessible if you opt to call our support number. Please note : Every contact you make to LexisNexis you are required to be authenticated if you would like the results of the re-investigation. Which means you will need to provide your date of birth, social security number and or drivers license. They have this information as does XXXX and the lender! My driver 's lic submitted contains the correct address. My social security is correct, my birth date. Sadly I can assume this is an attempt in my opinion to cover their error? Too late to correct the damage they have caused with the adverse rejection.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A