Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERALTRADECOMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of account that does not belong to me or was opened without my permission. Bankruptcy : XXXX XXXX # : XXXX According to FCRA Section 605B ( a ) the credit reporting AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Company Response:
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: See attached. I am a victim of identity theft and wrong items on my credit report need to be removed
Company Response:
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Items are being reported inaccurately on my report. Please see attached.
Company Response:
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
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 reporting and verifying a bankruptcy on my credit report. I have been a victim of various data breaches and this is an ongoing problem. The bankruptcy is incorrect, as well as, the personal information attached to it. Additionally, the incorrect bankruptcy is jeopardizing my line of work. In my field, we are required to have good credit to obtain and maintain employment. I take my credit report and this matter very seriously. This situation is causing me undue stress, defaming my character, and jeopardizing my ability to provide for my family. Lexis Nexis has violated my right to privacy by reporting this bankruptcy without my permission, failed to conduct a proper investigation, and has failed to correct the situation.
Company Response:
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: 1. Incorrect information on your report ( wrong address, incorrectly shows account still open ) ; 2. Problem with a credit reporting company 's investigation into an existing problem ; 3. Problem with security freezes ( trouble placing ) ; 4. Information belongs to someone else ( identity error ) ; 5. Account information incorrect XXXX Student Loan ( loan balance, payment amount ) ; 6. Account status incorrect ( show an erroneous traffic violation conviction, paid student loan still reported as open and unpaid ) ; 7. Personal information incorrect ( wrong date of birth, name, and address ) ; 8. Public record information inaccurate ( bankruptcy, criminal record ) ; 9. Old information reappears or never goes away Dear LexisNexis : Thank you for granting me access to my consumer file. In reviewing the information, I discovered there is a lot of discrepancies and inaccurate information in the file. Under the Texas Business & Commerce Code, Chapter 20. I am notifying you these inaccuracies and giving you an opportunity to correct the consumer credit file. Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other names and associated information should be deleted. Not my government name as listed on my birth certificate, state issued drivers license, and US issued passport. Address : My current address since XX/XX/XXXX is XXXX XXXX XXXX XXXX, XXXX, TX XXXX Previous address : XXXXXXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Business Addresses : XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All other address are not mine and should be deleted immediately. Insurance Items : Statement I am not XXXX XXXX, nor have I ever gone by the name XXXX XXXX. My association with XXXX XXXX is a family relative. Any information pertaining to XXXX XXXX should be removed from my credit file. I do not want any confusion about what information pertains to whom. Department of Driver Service Record is grossly inaccurate. I was never conviction of any traffic violation in the XXXX XXXX XXXX XXXX XXXX as reported in the consumer file. This inaccuracy has lead to my not receiving favorable or preferential auto insurance coverage in the past. I have attached information from the XXXX XXXX XXXX XXXX XXXX. This reporting of a misdemeanor conviction is defamatory and I demand it be deleted. Mistaken identity : I have never used or gone by the name XXXX XXXX. There is a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as listed in the consumer filed that is not me. Please removed this name and all associated information immediately. The XXXX XXXX federal bankruptcy filed XX/XX/XXXX, should be deleted as it has been 7 years since filing and this item is year past its moratorium for reporting. As maintaining inaccurate information is a consumer file is violation under Texas state law, I demand it to be removed at once while you conduct any investigation. Information contained in the consumer file is mere sloppiness and lack of due diligence on the part of LexisNexis to ensure that information is accurate at all times. I have attached a markup of the consumer file accessed of most of the inaccuracies that should be removed at once. I demand the information regarding each and every source that was used to compile the information contained in the consumer file for XXXX XXXX XXXX. Back in XXXX or XX/XX/XXXX, I requested a freeze be placed on credit filed due to possible inaccuracies and reporting of the aged bankruptcy to others. LexisNexis did not honor my request in violation of Texas consumer protection laws ( FCRA ). Please initiate a FREEZE at once.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Ive tried countless times to get respite from Lexis Nexus with reference number XXXX. The website gives me an error message, the phone service doesnt identify my responses nor my voice. An option to speak to a person alive is not available. I need my report.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Notice of Intent to Sue XXXX XXXX is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is erroneously reporting bankruptcy case number XXXX as belonging to The Consumer. The Company has not verified the following information and is currently reporting inaccurately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( The Consumers name is not XXXX XXXX XXXX XXXX as reported ) Bankruptcy Court Details : Court Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Petitioner Represented By Attorney : Yes Petitioner or Attorney Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX The Company has continuously violated The Consumers rights by reporting this inaccurate information. As of XX/XX/23 The Consumer has not received notification that The Company has deleted the above mentioned bankruptcy from its database.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
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: XX/XX/2023, I sent a letter to the courthouse asking do the 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 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. 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 A Section 2 : It also states a consumer reporting agency can not furnish a 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: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Information that should be on the report is missing
Consumer Complaint: LexisNexis is in violation of 15 USC 1681 e subsection ( b ) of the Fair Credit Reporting act. LexisNexis continues to provide false and inaccurate information to the credit bureaus in reference to a Bankruptcy that they falsely claim to have verified. On XXXXXXXX XXXX I disputed information on my LexisNexis credit report that they maintain under my social security number. LexisNexis claimed to have verified the bankruptcy as being Report accurate, HOW CAN THIS BE when I provided proof from the court that the case number is INVALID. I also requested LexisNexis to provide me with documentation from the COURT with documentation bearing my signature, however they failed to do so. The following Bankruptcy needs to be deleted from my credit file immediately : XXXX XXXX XXXX XXXX : XXXX. I have also attached proof from pacer that the filing number is invalid.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A