Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Re XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is regarding XXXX XXXX XXXX XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the XXXX of XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within XXXX days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 XXXX XXXX, this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. Please do not send me a letter with the contact information of the court they dont report to LexisNexis XXXX any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60525
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis provided accurate consumer report about my business to Bank. I was denied access to talk to their expert to address this issue. I was hung up on when I called and indicated to them that the information that they provided about my business is inaccurate. Their action led to my business being denied access to the funding necessary to progress my business.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I find so many inaccurate information on my credit report which is in violation of FCRA wherein all should be correct and accurate.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
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 reached to XXXX and they said that LEXISNEXIS gave the report to them. REMOVE these Bankruptcy report from my credit report immediately. These are not mine.
Company Response:
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on or about XX/XX/2020 I requested a copy of my check system report I discover several errors. including fabricated name and address by check system name I never use in the past included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more, but the check system refuse to correct my personal information
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
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/2021, I received confirmation letters stating their investigations were accurate XXXX, XXXX and XXXX requesting removal of XXXX. XXXX and XXXX XXXX Bankruptcies. I sent with dispute letter information from XXXX XXXX XXXX Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 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. 15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 section 602 A : States I have the right to privacy. Also, 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. They also violated my rights numerous times. I havent given credit agencies written permission to furnish this information on my credit reports. These are grounds for removal or deletion of Bankruptcies.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : LexisNexis RISK SOLUTION AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND ITS DATA REPORT BROKERS. THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! THEY HAVE NOT RESPONDED AT ALL. ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was at an auto dealer and the dealer was interested in my credit reports. I unlocked my XXXX and XXXX reports ( as requested ). Instead of using these reports which showed my credit score in the XXXX 's, they requested funding from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bank got a credit report from a company called XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The score given by XXXX XXXX was XXXX. The reasons given for this ( low ) SCORE were the following ; Limited history for consumer at this phone. I have had this phone number since XXXX. Length of residence short. I have lived here witha mortgage since XXXX. Too few active accounts, actually more accounts ( all in good standing ) than I have space for here. Limited credit history. I'm XXXX y/o. started paying into SS at age XXXX. My question : How can this company ( now associated with XXXX ) Give an important credit score without doing their homework? Basically they are lying to XXXXXXXX XXXX by misrepresenting my credit history. Did they check with XXXX of the XXXX XXXX?
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I never got any letter from any agency called LexisNexis on any of my report but now this explain why my rates on my issuance was rising and XXXX was raising my policy higher. I never had any accidents the accidents was cause by people that was been XXXX and they out this on my report that I had any knowledge of by the report shows that i was not at fault on the accident someone that ran in to me on purpose calling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was aware of the accident but I never knew that this was added to me report at all and I didn't or know the consumer agency at all. I never receive any notices at all but now this explains why my rate was going up with XXXX instance and why they cancelled my policy out. The date they had listed was XX/XX/2019 and XXXX knows I was not at fault at all on this one at all. i would like to know who sold my information to this company without my knowledge.
Company Response:
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexisnexis is incorrect reporting one NOT AT FAULT ( Not my fault ) accident occurred on XX/XX/2020 as XXXX AT FAULT accidents causing bodily injuries. This has lead to me paying thousands extra in insurance coverage because I most insurance agencies refuses to insure me. I contacted them and they explained a convoluted process that could take months to fix. This information is FALSE and is not reflected in my driving record nor by my insurance company that Lexisnexis claimed the information came from. This should be criminal.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A