Date Received: 2023-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE 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
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE DMV BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: Notice of Intent Lexis Nexis a XXXX XXXX XXXX XXXX XXXX, obtain consumers personal information resells and furnishes information to consumer reporting agencies. Please be advised, The clerks 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. All filings with the court are a matter of public record available through the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX website : XXXX XXXX XXXX In my case, Lexis Nexis have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. I was an uninformed consumer during this Transaction. You obtained my non-public personal information, then sold my non- public personal information to the Credit Reporting Agencies . I never gave you written consent to collect nor furnish my information in regards to my bankruptcy to the Credit Reporting Agencies. You are in violation of the FCRA law and Defaming my character. The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.
Company Response:
State: AL
Zip: 361XX
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: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I REQUEST THAT LexisNexis, Suppress my public and personal data from their services online and delete and or remove court and criminal information due to ID THEFT. AND FRAUDULENT INFORMATION THAT THEY HAVE IN MY GOOD NAME. AND THEIR AFFILIATES, SUCH AS CLUE, CHOICE POINT AS WELL AS SAGE REPORTING AGENCIES. IT IS MY RIGHT TO CHOOSE TO OPT-OUT OF THE SAID ABOVE COMPANY SERVICE 'S. I HAVE SENT MY IDENTIFICATION TO LexisNexis on five occasions and they continue to request my ID 'S over again and again for my LexisNexis consumer reports. The court records and insurance claims are false, that the said above consumer reporting agencies carry in their data systems in my good name causing liability damages to me and my family.
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: 2022-12-31
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: Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. Bankruptcy XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX : XX/XX/2019
Company Response:
State: TX
Zip: 76117
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Your company is furnishing a bankruptcy to my consumer report inaccurately. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Hello, my name is XXXX XXXX. This complaint is in response to an account your company is furnishing to my credit report. Your company is furnishing a bankruptcy to my consumer report INACCURATELY. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. Furthermore, I have attached a letter from the bankruptcy court stating they do not share or verify information with anyone. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: its being reported on my credit report i filed a bankruptcy when i have not causing accounts to be closed and my credit dropping over a 100 points! this caused me to lose my credit standing and i no longer qualify for a home loan
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. XXXX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. MY NAME IS XXXX XXXX XXXX ( I HAVE NO XXXX XXXX.CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: see attached documents IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? LexisNexis has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did lexis Nexis have MY written instructions? Did lexis Nexis have Permissible purpose? NO, they did not. a letter was written to the courthouse asking to provide the procedure in which they verify records information with XXXX, XXXX XXXX XXXX and /or third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU 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 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.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A