Date Received: 2023-02-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, they can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, they must report any allegations with the greatest compliance and accuracy possible.they should not report any claims that they know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of their company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you XXXX have that can help corroborate the account and it's permissible purpose.I am gave them 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate their help in making sure my credit is in good standing. this agency are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 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. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). they have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. Sincerely, XXXX XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, XXXX MD XXXX
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports Most importantly : Violation of 18 U.S. Code 2721 - Prohibition on release and use of certain personal information from State motor vehicle records You have already being sued in federal court as Gaston v. LexisNexis Risk Sols. XX/XX/2020 for illegally selling drivers information. My consumer report which you provided to me is now my exhibit. Full of violations. Also I want to know if you have a copy of my written consent to furnish information about me and share with other entities. As I never signed a contract with Lexis Nexus to share my personal and private information. Not only that you where tracking my trips stocking and harassing me which is a crime. I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well Your choice. I have dealt with this harassment for long enough. For far to long my character has been defamed comments. I am willing to settle outside of FEDERAL court. I expect a settlement offer within 7 days of this notice or further legal action will be initiated. You should be ashamed of violating my rights and privacy
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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 sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate 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 interview 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 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. They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to : 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: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have been battling this bankruptcy account for awhile now. XXXX and XXXX already removed this bankruptcy from my credit report.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed inaccurate items on my LexisNexis CONSUMER report but they refuse to remove this information. I have contacted them on XX/XX/2022 until now.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To : Whom It May Concern, I did not consent to, authorize nor benefit from any of the folowing accounts. According to the FAIR DEBT COLLECTION PRACTICES ACT. These compainies has violated my Consumer Rights. I am asking you to immediately stop all collection activities pertaining to these debt accounts, including reports to credit reporting agencies. I also ask that you tell these business where the accounts was opened that this debt is the result of identity theft. In the event of an investigation, Acoording to the FAIR CREDIT REPORTING ACT, Pursuant to 15 USC 1681a ( e ). Please send me a letter explaining what you have done to : 1. Inform the business where the account was opened that the debt is the result of identity theft. 2. Stop collection activities against me. 3.Stop reporting information about the debt to credit reporting agencies. 4.If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 5. provide me with the records I requested. 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 Thank you for your cooperation Sincerely, XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
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: Lexis Nexis is still reporting a bankruptcy on my report in which I have never filed a bankruptcy. The courts said they do not furnish that information to the credit bureaus. Lexis Nexis has my ID and SSN and they are still reporting based on name and address only.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
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. Account name : XXXX Account number provided to me from XXXX XXXX : XXXX Account name : XXXX XXXX Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : Original creditor Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : Original Creditor Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXX Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXX Account number provided to me from XXXX XXXX XXXX XXXX Account name : XXXX Account number provided to me from XXXX XXXX : XXXX Account name : XXXX Account number provided to me from XXXX XXXX XXXX XXXX Are currently violating 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 : Status 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. The Fair Credit Reporting Act ( FCRA ) covers the tenant screening companies and the reports they sell. Under the FCRA, the companies that sell tenant screening reports are consumer reporting agencies. The FCRA says that consumer reporting agencies must have policies and procedures to assure the maximum possible accuracy of the reports that they sell. Can you certify under penalty of perjury that all information reported on XXXX is accurate and complete? No, you can not and the site does not state anywhere on it that it is ACCURATE only that it is PUBLIC. Therefore not a reliable or ACCURATE source of information. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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, 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. ( 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 ) 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. 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
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: Recently filed a dispute with Lexis Nexis about public record information the company was keeping and reselling about me.XXXX compliance regulations not being followed. In their response they removed the information from my XXXX and XXXX profile. The company verified the information in my XXXX file. My complaint is that if this information was removed from two of the three credit reports then it should be removed from the other one ( XXXX ) .The FCRA criteria and XXXX compliance standards are the same throughout each bureau, and to Lexis Nexis yet they refuse to remove this negative public record. 15 U.S code 1681e ( b ) says that the information prepared should prepared with MAXIMUM accuracy this item is not. This item also violates FCRA 15 U.S. code 1681e ( E ) ( 1 ) ( a ) ( b ) 1681e ( E ) ( 2 ) ( a ) ( i ) 1681e ( E ) ( B ) all speaks of Procurement of consumer reports FOR RESELLERS.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Lexis Nexis has willingly committed identity theft and further dug me into the ground by defaming my character. Lexis Nexis has reported information regarding my XXXX XXXX bankruptcy, that was not provided to them by me, the consumer, nor were they given written permission to store and report my personal information. The FL Bankruptcy court clerk has stated that the court only files this information with XXXX. XXXX states that NO PERSONAL INFORMATION IS SHARED WITH OR SOLD OR RENTED TO ANY THIRD PARTIES. So how did you get this information, Lexis Nexis?! This matter has now escalated because three other credit reporting agencies that also commit identity theft and steal personal consumer information, has now joined the party with you of defaming my character by reporting this information that they received from your company. I do not take defamation lightly due to the impact it can and has caused my family and personal affairs.
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A