Date Received: 2023-03-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have had to reach out today XX/XX/XXXX concerning the multiple fraudulent accounts and things being reported by XXXX/LEXISNEXIS/XXXX XXXXXXXX XXXX XXXX This credit reporting agency continues to report fraudulent information even though Ive sent them over multiple documentation of who I am they continue to do this, and violate me in every way, state and federal laws I am have reached out to XXXX, XXXX and Lexisnexis, XXXX XXXX about the improper use of my credit report XXXX They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX XXXX, and Lexisnexis as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint NEW YORK state Attorney Generals complaint with a sworn affidavit of truth, ( FRAUDULENT ACCOUNTS ) XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX XXXX including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( XXXX ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.XXXX ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( XXXX ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. XXXX ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. But XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ) ,15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act ) FRAUDULENT ACCOUNT ( XXXX XXXXXXXX ) ACCT # XXXX {$5700.00} XX/XX/XXXX ) Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent address ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX A bank clerk looking at their computer screen, seeing my name listed in their database is ( NOT verification or validation ) of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FILED ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of NEW YORK Attorney General 's office WHICH I HAVE DONE AND YOU WILL SEE ATTACHED DOCUMENTS should you continue in your non-compliance I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. XXXX XXXXXXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) ( Social Security Administration ) and anything purchased with that identifying number is an ( obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( XXXX ) ARE also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX XXXX XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT Failure to remove account in 5 days from my consumer report as requested will result in legal matters being taken also reporting these matters to ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Company Response:
State: NY
Zip: 11237
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Sent out serval supporting documents for the credit bureau and the third parties to do and proper investigation and they refuses to update me on documents of their investigation.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX - XXXXXXXX XXXX : # XXXX, XXXX - XXXX XXXX : # XXXX, XXXXXXXX XXXXXXXX XXXX : # XXXX, and the US Bankruptcy # 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 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.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: *See attached!! DELETE NOW please this not proven certified compliantly reported injurious information unfairly accused of me Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023, XX/XX/2023, XX/XX/2023 I got in contact with lexisnexis about false reports on my background as well as requested multiple copies on those dates and other dates and I have not received my reports or updates. I contacted lexisnexis two more times asking why I have not received anything being passed the 7-10 business days XXXX. Because of these false reports, my car insurance skyrocketed above XXXX XXXX my liscense is suspended, I am getting denied everywhere and I am about to lose my job because XXXX XXXX XXXX XXXX XXXX This is causing major chaos in my life. No one has done anything to resolve whats happening. No action has been taken by the company.
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
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: XXXX reported the data verified by lexis nexis. However, according Lexis nexis, Lexis nexis has removed the bankruptcy from my file dated XX/XX/2023. The most recent bankruptcy dispute showed that there were no change as a result of my dispute. This data was NOT verified by lexis nexis, due to the bankruptcy being deleted from Lexis nexis FILE on XX/XX/2023. XXXX is NOT investigating into this after speaking with Lexis nexis directly on XX/XX/XXXX, customer support stated during their bankruptcy dispute investigation initiated on XX/XX/XXXX, XXXX did not respond to their investigation as of XXXX XXXX XXXX XXXX completed their investigation on XX/XX/2023, results ; This item remained unchanged from our processing of your dispute in XX/XX/2023.
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
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: accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've tried several times to resolve the issue with Lexis Nexis but this company continues to report a bankrupty to XXXX and XXXX. Also in the companies own words they are unable to identify me but yet they are selling false information the the bureaus. 15 USC 1681 states that the information has to be accurate. I have not entered into any agreement verbally or through a sign contract for Lexis Nexis to provide anything on my behalf. If Lexis Nexis has a signed contract with me please provide this information. Lexis Nexis needs to Cease and Desist on reporting any of my personal information to all of the credit bureaus, phone, mail or electronic communication without written consent from me. I'm providing a letter from Lexis Nexis that clearly states that their company can not identify me.
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Sent out multiple disputes with all the proper documentation XXXX XXXX XXXX and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, the complainant requested a Tire Change service. However, the service was canceled and never received. On XX/XX/XXXX, XXXX paid an invoice for a fraudulent claim of XXXX XXXXXXXX # XXXX to The XXXX XXXX XXXX for an Initial Tow ; however, the complainant did not have the vehicle towed for a XXXX XXXX XXXX towed for any reason per the claim details provided by XXXX. Per the fraudulent claim that XXXX paid -Payment under Towing and Labor Coverage XXXX XXXX XXXX XXXX XXXX. The complainant contacted The XXXX XXXX XXXX to inquire about the fraudulent invoice submitted to XXXX regarding claim # XXXX, asking them to provide further information on where the vehicle was allegedly towed and the reason for the tow. Per the disclosure provided by XXXX Your roadside assistance is covered. Once we receive the invoice, we'll pay them directly. We'll pay XXXX XXXX, XXXXXXXX XXXX parent company, up to your towing and labor coverage limit. The complainant has not obtained the requested information and documentation for over 60 days. Complainant contacted XXXX on XX/XX/XXXX, and spoke with XXXX and XXXX in the claims department regarding the fraudulent claims paid to XXXX XXXX XXXX. XXXX reported that claims could be paid to the service provider even if the provider did not complete any work. XXXX informed complainant that it did not cost anything to the insured. Complainant informed XXXX that she misrepresented statements and advised her that XXXX is complicit in the criminal acts of wire fraud per 18 USC 1343 : Fraud by wire, radio, or television : wire fraud is a federal crime in which the defendant is accused of defrauding someone out of their property using electronic communication ( i.e., TV, radio, phone, internet, fax ). Insurance Claims Fraud-Billing Fraud is when a professional will bill the insurance for services that never happened or for services that were not necessary for repair ( also known as over-servicing. ) Per the disclosure, XXXX XXXXXXXX XXXX is part of XXXX XXXXXXXX XXXX XXXX coverage and applies to covered vehicles only. XXXX XXXXXXXX XXXX is provided through XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, except in AK, CA, HI, OR, WI, and WY, where services are provided through XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX. NOTE : If you need to use Roadside Assistance for an insured vehicle that does not have XXXX XXXXXXXX XXXX XXXX coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additionally complainant found two fraudulent claims for towing incidents dated XX/XX/XXXX that LexisNexis are reporting, and additional fraudulent towing incidents claims were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by XXXX XXXX. On XX/XX/XXXX, a fraudulent citation appeared on the complainant XXXX Report for a stop sign/red light dated XXXX, fraudulently reported by Lexis Nexis. Complainant filed insurance fraud complaints with the Federal Bureau of Investigation ( FBI. ) National Insurance Crime Bureau of Investigation ( NICB ), Securities and Exchange Commission ( SEC. ), Internal Revenue Service ( IRS ) XXXXLexisNexis violates 15 USC 1681 ( a ) '' Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) " No Permissible purpose/ No written instruction. '' LexisNexis XXXX XXXX Attached : ID Email Address Associated with LN : XXXX XXXX
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A