Date Received: 2022-11-01
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This Company is listing a bankruptcy on my report which is a error and haven't been verified.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I sent in FTC ID theft report and XXXX responded with them stating that the dispute wasn't sent by me. They never responded to the identity theft, please see attachments.
Company Response:
State: VA
Zip: 23513
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
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: I obtained my Lexis Noxis Risk Solutions credit report through a recent request to your company. There was a U. S. Bankruptcy Court account number ( XXXX ) items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : -If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due la the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed Lexis Nexis has never validated or verified this public record entry on my credit report, neither will they ever be 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 unaware to the consumar, and in most tases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immedialely. The Lexis Nexis credit report agancy needs to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, alf the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. 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 ) ( XXXX ). Per the Faderal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to varify - Through physical verification of the original signed consumer contract and/or judgment ( s ) -all accounts and public information that you post on anyone 's credit report. Otherwise, anyone 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 will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. I have attached the letter I sent to the courthouse and their response as evidence stating " They do not report any bankruptcies to anybody. ''
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My ID was stolen and there were credit applications attempted that I did not authorize. I contacted LexisNexis so they could remove this information from my credit report to no avail.
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. My Consumer Number : XXXX and Case Number : XXXX. I am a victim of identity theft. I have reported identity theft with the 3 major credit bureaus last year. After a review of my consumer report, the account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX XXXX XXXXXXXX I ask that the fraudulent item be removed from my consumer report I reported the theft of my identity to the Federal Trade Commission. I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please investigate this matter and removed this as soon as possible. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: There are two Tax liens on my report that have been paid in full and continue to be reported falsely as not paid. Please remove these from my report asap as they are being reported falsely
Company Response:
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: LexisNexis is reporting a XXXX account on my report that has been paid and is reporting it as not paid. They are also reporting two tax liens that have been paid and they are reporting it as not paid. This needs to be removed asap. I have included the documents that show it has been paid. The court also does not provide this information to them. Amount : {$5600.00} File Date : XX/XX/XXXX Judgment Type : SMALL CLAIMS JUDGMENT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, GA Filing # : XXXX Date Last Seen : XX/XX/XXXX Filing Book : N/A Release/Satisfied N/A Date : File Date : XXXX Type : Amount {$14000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX XXXX XXXX XXXX GA Filing # : XXXX Date XXXX Seen : XX/XX/XXXX Filing Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX File Date : XXXX Type : Amount {$330000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX : XXXX, GA XXXX XXXX XXXX XXXX Date Last Seen XXXX XX/XX/XXXX XXXX Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX
Company Response:
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX is not complying with Complaint as requested Per CFPB.
Company Response:
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A