Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Company Response:
State: WA
Zip: 99336
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I filed Bankruptcy in XXXX of XXXX. LEXISNEXIS violated two important consumer rights. One 15 USC 16819 ( a ) ( 4 ) infringement of consumer rights to privacy. Congress made it clear that a consumer has a right to privacy. The second violation 15 USC ( a ) ( 2 ) LEXISNEXIS did not have a permissible purpose nor did they have my written instructions. Bankruptcy Court sent me a letter stating the do not report to credit reporting agencies. Also section 617 Civil liability for negligent non compliance. ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure, and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On the finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith is subject to other fees. A certified letter will be sent to XXXX XXXX acting director of CFPB as well as my congressman.
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-01-09
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: Information is incorrect
Consumer Complaint: Cease & Desist : Selling my Personal consumer information to a Debt collector without my written permission is violation of my rights. Please clear my consumer file due inaccuracies on my report that have no been verified. Also provide me with free report. In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. This complaint is due to the XXXX XXXX XXXX with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of XXXX XXXX XXXX ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned XXXX XXXX XXXX XXXX without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. Respectfully submitted, XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I placed a dispute with XXXX I have requested several times for a letter showing proof. It's been 30 days still no evidence of proof. It will be 60 days by the end of XXXX. It is now XX/XX/XXXX, According to the consumer law I should be treated with fairness and have my credit report showing accuracy. I have requested several times for proof, with my signature with regional XXXX. A copy of the original lease or agreement showing my name and signature listed. You have wrong names listed on my profile and inaccuracy listed under my name. Next step will be to go to State Attorney General.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the Eastern District Bankruptcy court of California which is false. I have attached a letter from the Eastern District court of California verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my credit report.
Company Response:
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Company Response:
State: CO
Zip: 80524
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a Bankruptcy report on my credit report. I've called XXXX and they said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Company Response:
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a Bankruptcy report on my credit report. I don't have any idea about the Bankruptcy report. That report DOES NOT belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A