Date Received: 2023-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted LexisNexus twic e, one by mail and once by phone. The company has failed to take action to comply with the California rights to privacy. They have made the website not work with intent to harm California residents as they get paid to report information and do not want to delete my opt out request and correct the file. I am requesting help as they are not resolving the matter. Copy of second Letter to Lexusnexus has been provided for support.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my Lexis Nexis report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1XXXX XXXX XXXX XXXX. { Reason for Dispute } __not mine_______ I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 records of convictions of crimes which antedates the report by more than seven years.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I XXXX XXXX XXXX XXXX have seen repeatedly fraudulent accounts and transactions in my name on my consumer reports I have repeatedly warned them and the credit reporting agencies about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report CALIFORNIA state attorney general report a CALIFORNIA CONSUMED PROTECTION AND INNOVATION COMPLAINT Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last two or three years Ive reached out to all three of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially XXXX XXXX/Account Number : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiry ) XXXX XXXX XXXX XX/XX/XXXX I XXXX XXXX XXXX XXXX never gave XXXX XXXX, XXXX, or XXXX XXXX LEXISNEXIS any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 61681b Permissible purpose of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Account Name XXXX XXXXI Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$420.00} Or XXXX, XXXX, XXXX XXXX/lexisnexis/Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 XXXX Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 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 18 U.S.C 10284 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 XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX XXXX XXXX XX/XX/XXXX HARD INQUIRIES DATE
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: CFPB + Lexis Nexis, Lexis Nexis why are refusing to send me my Consumer Disclosure Report that I am allowed by law free? On XX/XX/2023, for maybe the XXXX time, I submitted the request online here : XXXX XXXX XXXX I then verified my identity by email and landed on a page that read " Email Confirmation request sent If you requested reports you should receive a message via XXXX Mail within XXXX weeks. '' Both of these copies will be attached to this complaint. I have done this before - then XXXX weeks later get a hard copy piece of mail that says you can not verify me ( see attached ). So, attached to this complaint will also be my drivers license that shows as well as my social security card - keep in mind these are supposed to NOT be required by law - but I am supplying them anyway so you have no excuses. Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of voided check for mailing address - proof from Lexis Nexis online I filled this out - email proof I confirmed the email - The letter from you that states you cant verify my identity I dont appreciate being given the run around by you over and over again to receive MY OWN Consumer Disclosure Report.
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have disputed information contained within my credit reports to the 3 major credit bureaus and I have been made aware that LEXISNEXIS is one of the companies confirming that the information is verified accurate. LEXISNEXIS does not have my consent to report this information or share this information with any commercial business or anyone for that matter. Not only does LEXISNEXIS not have my consent, they can not verify the information is accurate, which it is not. The disputed item is listed as public record bankruptcy. Following those disputed results I contacted via certified mail the original creditor listed as XXXX XXXX XXXX XXXX inquiring as to why and how they verified this information with the credit reporting agencies. This was the written response I received that clearly states, " The clerk 's office does not report bankruptcy cases to credit reporting agencies, and it has no input as to what the credit reporting agencies have on record regarding any given bankruptcy case. '' Since the court is the original creditor and they state they do not verify or report, the item must be DELETED. I also spoke with the clerk of court over the phone and was told that once information is put in public record there is no way for them to correct that information nor do they verify it to be accurate. The lady also acknowledged that human error is possible and there is nothing she could do to fix errors even if part of the information was referencing me. Furthermore, I have heard that some credit reporting agencies like to obtain public record information from a site called XXXX which is NOT the original creditor, but I also contacted them in writing, and this was the response I received from XXXX. " XXXX does not contact consumer reporting and credit reporting agencies. '' Simply put, LEXISNEXIS LIED to the credit bureaus! They did NOT and CAN NOT verify the information listed on my credit report and since they are NOT able to do so, the ITEM listed as Public Record Bankruptcy MUST BE REMOVED! There are several examples of Adverse Actions being taken against me as a consumer because of LEXISNEXIS reporting of UNVERIFABLE information.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: YOUR COMPLAINT To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom it May Concern, this is my FINAL notice that I am writing to inform you that upon reviewing the latest copy of my consumer report file, I have still noticed several items that are erroneous, inaccurate, and illegal. Therefore, I am once again requesting the description of the procedure used to validate the accuracy and completeness of these items on my consumer report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681b ( a ) ( 2 ), credit reporting agencies dont have the right to report anything on a consumers credit file that isnt in accordance with the written instructions of the consumer. If you cant furnish verifiable proof with my signature on it, you have committed an illegal act and according to the Fair Credit Reporting Act, 15 U.S.C. 1681a ( q ) ( 3 ), you are enabling and gaining financial wealth from comitting IDENTITY THEFT. LexisNexis has continuously been under fire with numerous past and current lawsuits for violating privacy and consumer protection laws by collecting and combining extensive personal information on people without their consent and selling it to a range of third parties. In XXXX, LexisNexis paid {$13.00} million in a class action settlement approved by a Virginia federal judge. The 200 million members of the class filed a lawsuit against LexisNexis, alleging that the company sold its Accurint reports to debt collectors and did not handle those reports as consumer reports as they should have under the terms in the FCRA. In XXXX, LexisNexis reached a settlement of over {$5.00} million in response to a class action lawsuit that alleged the company sold XXXX data to law firms, which then used it for their own business purposes. The news highlights how data from state XXXX can be abused and how it can be leveraged for financial gain. Also, recently, as of XX/XX/XXXX, immigration lawyers have filed suit against LexisNexis and the lawsuit alleges LexisNexis has helped create a massive surveillance state with files on almost every adult U.S. consumer. It is a known public fact that for many years, LexisNexis was the exclusive provider of tax lien and civil judgment information to the three major credit reporting agencies which are XXXX, XXXX, and XXXX. In XXXX and XXXX, the Big 3 CRAs stopped reporting public records and tax liens as part of three nationwide class action settlements. As a result, LexisNexis has decided to take advantage of the major consumer reporting agencies decision to stop selling LexisNexiss data by marketing and selling its public record data in its own consumer reports. Up until now, LexisNexis uses automated procedures and vendors to collect information regarding judgments and tax liens that undergo little to no quality control, and such information is not adequately updated nor correct. LexisNexis continues to disregard inadequate procedures despite consumer disputes, and instead of rectifying it, they rely on consumers to clean up their own files via the dispute process after learning of any inaccuracy rather than ensuring that the data it was collecting was accurate in the first place. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681i, all inaccurate or incomplete or can not be verified accounts must be promptly deleted. Please be aware that in several cases, the courts clearly ruled that the credit reporting agencies couldn't merely parrot information from the creditors, collection agencies, and other sources. All credit reporting agencies must conduct an independent and reasonable investigation to ensure the validity of the debt in dispute. Do NOT shift the burden back to me, the consumer, to contact the original creditor to furnish verification. Also, pursuant to FCRA Section 623 ( a ) ( 3 ), if a consumer disputes an account, it must be marked as disputed. By publishing these inaccurate, incomplete, and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Therefore, this is my formal notice of intent to sue for your violations of the FCRA and I am seeking full remedy for damages. I am formally demanding {$20000.00} monetary compensation and deletion of allnegative accounts due to defamation of character and denial of credit. If my demands are not met, a civil suit will be filed in small claims court in XXXX Magistrate Court. Here are the FCRA violations that I am seeking remedy for : -ID Theft enabling -Furnishing/Reporting inaccurate information -Old and outdated personal information -Reporting closed accounts as open/active -Illegal consumer report requests -Impermissible purpose -Failure to follow debt dispute procedures -Failure to conduct reasonable investigation -Reporting missed and/or late payments wrong -Privacy Violations -Reporting old debt as new or re-aged -Reporting information from over 7 years ago -Failure to notify that consumer disputes -Duplicate accounts The following erroneous information appears on my consumer report and so I demand to see verifiable proof ( an original consumer contract with my signature on it and permissible purpose for all inquiries to my consumer file ). Erroneous Personal Information Please DELETE these INACCURATE ans ALL other addresses, phone numbers, employers, and emails, and social media accounts from my personal information in my consumer file and UPDATE with the correct information only. Address 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everything else besides the CORRECT information must be DELETED. Please delete any Personal Statement from consumer file. Inquiries Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Public Records Please DELETE the following public records from my consumer file unless you can furnish proof from the county clerk office with full name, title, phone number, and signature on original court document with court seal. 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 XXXX XXXX XXXX XXXX XXXX XXXX Filing Date : XX/XX/XXXX I contacted the XXXX XXXX Clerk office in the State of XXXX and was informed that clerks and any court officials at the Magistrate or Municipal Court DO NOT provide, parrot, nor verify any information to third party consumer reporting agencies nor data furnishers such as LexisNexis. Therefore, LexisNexis can not verify the accuracy of any public records that it has on a consumers file and items must be deleted immediately. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/XXXX I initiated a dispute to remove inaccurate personal information such as names at least XXXX different variations and or innaccurate names are listed, addresses at least XXXX differnet addresses and or inaccurate addresses are listed and phone numbers that LexisNexis was furnishing. On XX/XX/XXXX LexisNexis sent me results of the reinvestigation. They gave me access to an updated consumer report that was suppose to reflect the changes of the items that were deleted but nothing was done the report was the exact same one as before. The reinvestigation results don't say which personal information it pertains to but I will attatch photos for you all to see. On XX/XX/XXXX I initiated another dispute to again remove inaccurate personal information such as names, addresses and phone numbers that LexisNexis is furnishing. On XX/XX/XXXX LexisNexis sent me results of the reinvestigation. They gave me access to an updated consumer report that was suppose to reflect the changes of the items that were deleted but nothing was done the report was the exact same one from the previous XXXX. I called and asked why do they continue to furnish inaccurate personal information when I asked XXXX for it to be deleted I was told it is nothing they can do but for me to put in another dispute. I don't know what thorough investigation they are conducting but they continue to furnish inaccuate personal information and it makes me very uncomfortable that they refuse to delete it.
Company Response:
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A