Date Received: 2022-11-21
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: On XXXX I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX, and XXXXXXXX XXXX, that several of the rights given to me by Congress have been violated. No account can be furnished on my credit file without my written permission. I have given nobody written permission to furnish a XXXX or XXXX on my file. I am demanding that they cease and desist any conveying of information directly or indirectly to any person through medium regarding these false debts. I have filed an identity theft report. Being that Im a victim of identity theft, all consumer reporting agencies and secondary agencies must remove and block these accounts within 4 days of being notified. It is past 4 days so they are in violation. Also reporting any account as a charge off is illegal and is considered tax fraud by the IRS.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Three times I've formally requested LexisNexis to remove addresses which have never belonged to me. Three times after waiting 30 days, LexisNexis has verified these addresses using themselves as the source of verification. This violates my rights to a fair and accurate credit report. They know a reinvestigation can not be them using the inaccurate information they themselves house. Enclosed with this complaint, please find a copy of their reinvestigation stating the means they used to verify all these inaccurate addresses along with a copy of my Texas Driver 's License and a bill. Both have my current address ( I have lived here for more than 20 years ) ; this is the one and only address I rightfully and legally should have on file with LexisNexis. All other addresses on my LexisNexis report are to be removed immediately.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
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: On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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. Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
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: I placed 2 disputed about a bankruptcy that is reporting on my credit. As of today XX/XX/2022 they concluded my investigation. The conclusion came back stating that they verified the bankruptcy illegally through a 3rd party. By law this is not a way to verify and the verification must be through the court directly. They claimed to verify this account through Lexis Nexis. This is illigal considering my lexis nexis account is frozen due to fraud, they 100 % could not a verified with them anyways. This was a flat out lie and they did not investigate this, if they did they would of know per law it must come directly from the courts. I contact the courts myself to see if they inquired and they said they do not respond to any inquiries from the credit bureaus or lexis nexis. There for both are in violation of my rights.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 4th attempt to remove illegal information This complaint is for Lexis Nexis. Everytime I send them a letter in the mail they claim my " identity can not be authenticated ''. No matter how many documents I send them such as copy of my drivers licence and social security card, copy of my current lease, and copy of utility bill which should have been more than enough information to authenticate my identity. So my next step was calling them. When i got a representative from lexis nexis on the phone I informed him that i wanted this bankruptcy removed from my consumer reports because I never gave them or any other company permission to put information on my consumer reports.He told me XXXX sends them this information. Which we all know is a lie. I have contacted XXXX and I have contacted The Bankruptcy Courts and both have informed me that they do not report to credit bureaus and is not responsible for verifying or validating information to credit files. So by you going out and fishing for information you have caused me and my family great hardship. I would also like to add that by lexis nexis going out obtaining my information illegally you have broken the law. 1. My right to privacy. Lexis Nexis has infringed on my right to privacy pursuant to 15USC 1681 ( a ) ( 4 ) 2. I never gave Lexis Nexis permission to put any information on my consumer report. You need " Permissable Purpose '' pursuant to 15 USC 1681b ( a ) ( 2 ) No permissable purpose/No written instruction. Please remove this bankruptcy from all of your files immediately. Thank You.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I applied all the necessary steps to get the credit bureaus to remove a third party reporting my bankruptcy on public account. They didnt complete a thorough investigation into reporting my bankruptcy. I contacted the bankruptcy clerk. They stayed they do not/will report to the credit bureaus. I asked the credit bureaus to correct their mistakes they doubled down and refused to remove the illegal reporting. I have last jobs Opportunities and other things based on them not correct in their mistake. I want to recruit charges for them not correct in their mistakes and other words I would like them to converse XXXX the matters at hand between myself and my wife. The third party was LEXIS-NEXIS they pull my files from pes to put it on my credit bureau report which is illegal the bankruptcy court do not and will not report anything to your credit bureau so LEXIS-NEXIS as a third-party pull the information and gave it to the credit bureau and they post it on my credit illegally I did not give any permission for them to put my information on my credit bureau. I want to FCBA to award for damage of myself and wife.
Company Response:
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
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 sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 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. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 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: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXX Bank ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I am requesting LexisNexis Risk Solutions place a freeze on the credit/information report. They are requesting I provide them with a copy of my social security card, drivers license and other personal information. I am the victim of identity theft, so I am not willing to provide anyone with any personal information. I have a personal and religious objecting to companies using numbers as a means of identifying me. Regretfully, I can not prevent LexisNexis Risk Solutions collecting personal information and using my social security number or drivers licenses number to identify me. I can comply with my religious beliefs by not assisting nor supporting the use of a number as an identifier.
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A