Date Received: 2023-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX recently sued for the improper use of consumer credit file information, including information that is not shared with this entity. I requested a disclosure report and received a letter stating the process by which they gather information from credit bureaus and other government entities. The problem is that I requested a letter seeking validation of the information listed on this consumer report with their company. Of which, I did not receive. A Consumer Alert Security Freeze Identity Theft Security Date Placed XX/XX/XXXX A request to opt out of their consumer reporting agency was sent on XX/XX/XXXX. I received a copy of the consumer report by mail on XX/XX/XXXX. XXXX XXXX & XXXX has a XXXX Bankruptcy listed as Dismissed. XXXX XXXX Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Does not share or validate the information with third parties. This information could not be validated using personal, or identifiable. XXXX has violated my right to privacy. I requested to Opt-out as well as suppress the information in their database and unfortunately, they have continued to maliciously use my personal inforamtion causing reputational harm when applying for homes.
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: Fraudulent misused of my personal information, without my consent ; 15USC6802,15USC1028,15 USC 6809 and 15 USC 1689.
Company Response:
State: MS
Zip: 39120
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
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 false information to the credit bureaus as been verified but the information is incorrect.
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I spoke with XXXX XXXX XXXX ) from XXXX ' XXXX consumer affairs department regarding an ongoing bankruptcy dispute. According to XXXX XXXX, XXXX XXXX is reporting to XXXX a bankruptcy which does not exist on my Lexis Nexis consumer file. I have attached the report received from Lexis Nexis and have submitted this report to XXXX on several occasions. Lexis Nexis is knowingly reporting inaccurate, unverified, and incomplete information to XXXX. I have attached a copy of the report from Lexis Nexis. Lexis Nexis has no permissible purpose and has violated my rights.
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
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 completed an investigation of credit report, no resolution. Stated a company Lexis Nexis provided information. XXXX Lexis Nexis have no such information per a letter mailed to Me. Also inaccurate information still reported on file. XXXX XXXX complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at Lexis Nexis, no public information regarding bankruptcies only insurance information and also address and phone records. XXXX Lexis nexis XXXX. FCRA 15USC 1681 a this is clearly a violation of this company. After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from Lexis nexis contains a PIN number and hyperlink which displays all information held in Lexis nexis files. I have forward this info to XXXX as well. Still no resolve
Company Response:
State: LA
Zip: 70058
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: 2023-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If a Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the credit file. The Bankruptcy XXXX has mailed me letter which states the DO NOT provide any information to Credit reporting agencies, nor do they ever validate and/confirm public records. It is the credit reporting agencies, and/or third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S District court system due to the Fair Credit Reporting Agency PRIVACY LAW. My request to the U.S. District Courts Confirmed lexis nexis has never validated or verified these public records entries on my credit report, neither will they ever by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act Violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANETLY DELETED from my Credit report Immediately. lexis nexis needs to provide me with copies of all documentation associated with these public records bearing a court order to place this information in my credit report with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and /or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have Exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, any paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim if you fail to respond within 30 days of receipt of this dispute.
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the Fair Credit Reporting Act XXXX Reference # 's XXXX and XXXX has violated my rights. 15 U.SC. 1681 section 602 A, States : I have the right to privacy. 15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions. I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. I will not accept another reinvestigation of the information Only deletion of the information
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
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/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681. The credit bureaus violated my given rights under 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. According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A ( 2 ) : 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: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I XXXX XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to XXXX, and LexisNexis its United States affiliates ( collectively, XXXX, and LexisNexis we, us, our ) are not authorized to collect, use and share personal data about me without prior written and direct instructions from consumer. I recently received a notification XXXX sold an employer a copy of my consumer report without my written authorization or consent, I also reviewed my consumer disclosure & consumer files and noticed XXXX reporting my non-public information. XXXX is not authorized to collect, use, and share public records information relating to consumer. XXXX has 15 days to permanently delete and remove all negative remarks and records from my consumer background report, consumer disclosure and credit file upon receipt of this notice. XXXX must provide free copies of my consumer report, consumer disclosure and credit file showing the public records information has been deleted and removed. XXXX is only authorized to collect, use and share information with the prior consent and written instructions from consumer. Any authorized use of consumers personal data will not be tolerated. By sending you this notice consumer does not waive any rights to take action against XXXX for any past or future violations of the law. All Inalienable rights This credit reporting agency shared my personal information without my written consent and did not inform me that they were selling my personal information to other companies. That is Identity. This reporting agency does not abide by FCRA laws. In XXXX I was suspended by XXXX XXXX XXXX through XXXX and XXXX because of my background report. However, what was reported is not accurate and it directly affects my life through work opportunities and economical funding. I am asking that XXXX provide me a dispute reference and also recheck my background for accurate results. They reported that I have charges and citations that are not on my record. I am definitely in need of getting things in order I I was not convicted of any charges therefor this us a direct violation. It is against state laws to discriminate on not hiring individuals on charges they have not been convicted of the case was sealed by the judge. The only permitted access to have knowledge of the case and/or court proceedings, is only to be known by law independent snd no outside of government agency is allowed to possess, report, or give knowledge of any of the events of the case. They refuse to remove this information and have caused me financial and metal problems and had kept me from obtaining and remaining gainfully employed multiple times over the past several years. Snd they still refuse to remove the false and sealed files. Nor have they mailed me a complete report or any report EVER!!! I NEVER GAVe My Consent nor PERMISSIBLE PURPOSEfor any 3rd party entity to disclose any of my personal information. Ive never received verification amongst other things The background check with XXXX has some information is not mine. either someone used my lost old expired license or XXXX has the wrong information. Consider UNLAW TO TEXT/TALK ON CELL PHONE/1ST Charge Type misdemeanor XXXX and LexisNexis CEASE AND DESIST ALL MEDIUMS I work with XXXX and XXXX and then both companies run a background check on me with the agency called XXXX. The background XXXX run was inaccurate, I requested for Dispute and there is no change. I need to get back to work. I need to be able to work, that is stopping me from paying my bills. I have to pant car note and house. I need to pay my child Support. My CONTACT ME BY THE CFPB PORTAL AND US MAIL ONLY
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have contacted and filed a complaint with lexis nexus and they keep saying the information is verified. These are addresses and names that are not associated with me.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A