Date Received: 2022-10-16
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: I have attempted multiple times to dispute information on my LexisNexis file and have not been able to successfully get the information actually disputed.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
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 have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. Lexisnexis is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deletedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 62002
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a freeze on my Lexis Nexis report to not allow them to share any of my information with anyone and they are still sharing my information with credit buraus against my will. The information regarding bankruptcies was not furnished nor verified by Wisconsin XXXX XXXX. I enclosed a letter stating these facts and this company verifies to the XXXX XXXX XXXX and XXXX as if they received this information directly from the court it is unvalidated information.
Company Response:
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a freeze on my Lexis Nexis report to not allow them to share any of my information with anyone and they are still sharing my information with credit buraus against my will. The information regarding bankruptcies was not furnished nor verified by Wisconsin Bankruptcy Court. I enclosed a letter stating these facts and this company verifies to the Credit Burao XXXX and XXXX as if they received this information directly from the court it is unvalidated information.
Company Response:
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is the several times I've complained about being a victim of identity theft. XXXX, XXXX, and LexisNexis must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018
Company Response:
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX XXXX I have a Bankruptcy XXXX XXXX only being reported on my XXXX credit report. I called the XXXX Bankruptcy court that XXXX said they Verified through with the court. I contacted the clerk of the XXXX Bankruptcy court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or XXXX and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX XXXX FROM MY XXXX REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am aggrieved and damaged due to the fact it is well over 90 days since I have notified XXXX to please investigate my credit report. Account # XXXX showing credit limit {$3000.00} past due {$80.00} is disputed ; On my XX/XX/2022 credit report lists account as : " Dispute Resolved '' I do not consent and I DISPUTE this account in its entirety! There was no thorough investigation, and XXXX is violating my Texas consumer rights and federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # 51780593*** is violating 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
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: In dispute on my XXXX credit report is Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; XXXX VERIFIES this account without verified proof of investigation, which is a violation against Texas XXXX XXXX XXXX and Fair Credit Reporting Act. Additionally, In accordance with the Fair Credit Reporting Act ; 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Because the Courts and LexusNexis Do not share this information.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX is reporting a bankruptcy on my credit report, stating that LexisNexis Consumer Center was verified by your company with the United States Bankruptcy Court, But the United States Bankruptcy states in this Letter Notice Regarding Credit Reporting, and this is a clear violation of the FCRA.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I requested my file disclosure from LEXISNEXIS RISK SOLUTIONS ( LNRS ) on XX/XX/2022 through the CFPB and they sent an email to me through their consumer center but misspelled my name and my email thought it was an unsafe email and put it into spam. I didn't notice the email until the CFPB notified me on XX/XX/2022 that LNRS told me they contacted me through email on XX/XX/2022 and that I didn't answer so they closed the case. LNRS suggested I go directly to them to make my request but I don't feel safe or trust that their actions are done in good faith. In the email I received they already broke federal law by asking me for my SSN and asking me for other private information that has nothing to do with verifying my identity. I want them to take their grave responsibility as a CRA seriously.
Company Response:
State: UT
Zip: 84062
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A