Date Received: 2022-10-13
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: HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and XXXX about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the Company LexisNexis Consumer Center too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. Then, why does XXXX and XXXX doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A debt on my credit report is abuse, deceit and unfair debt collection practice. This debt on my credit report has caused me to get denied certain necessities in life ( IE. Home, employment, car ). While checking my credit report I noticed that you all furnished an account on my credit report without my consent which has cause to get denied for multiple necessities in life ( IE. Home, employment, car ). There are laws in place to prevent your company from furnishing information on a consumers report. 15 USC 1692a ( 2 ) states ; the term " communication '' means the conveying of information regarding a debt directly or indirectly to ANY person through any medium. Therefore, furnishing of the consumer report ( giving information regarding the alleged debt ) by your company is " communication '' as stated by the Fair Debt Collection Practices Act ( FDCPA ) As my rights state per 15 USC 1692c ( C ) I'm giving you formal notice to stop any further communications regarding this account immediately. This includes but is not limited to Consumer reporting Agencies ( XXXX, XXXX, and XXXX ) Please do not respond saying you are not governing by FDCPA or you are exempt. You are in fact a " debt collector ''. 15 USC 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. REMOVE ACCOUNT ( s ) IMMEDIATELY
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: LexisNexis, please tell us why this was returned and our request was not processed. As a couple, we do most business transactions together. Our names are listed on the proof of address, with individual IDs showing our current address. If this is not completed as requested, I will file an FTC and/or CFPB complaint. Why is it necessary for us to use two stamps and two envelopes? If there are any questions, you have our individual phone numbers to call rather than DELAY our rightful consumer requests!
Company Response:
State: NC
Zip: 28081
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis has furnished my public information to consumer reporting agencies without my written permission. It violates consumer law under 15 U.S. Code 1681b - Permissible purposes of consumer reports in addition to violating my right to privacy. They are not only liable for a civil liability but, also damages I have sustained due to their negligence. Courts do not furnish public information to Consumer Agencies
Company Response:
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I applied for insurance and was denied. I then got an email stating that I have 4 accidents which aren't mine. I've been through this before with LexisNexis and now again. My son has the same name and was living at my address. The company failed to match the accident with the drivers license number. For companies to rely on data from LexisNexis they should be way more careful on how they report their information.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
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: Disputed accuracy, legitimacy, and proof of furnisher. I contacted alleged Data furnisher and they explained that they do not and did not provide any records containing my personal information. Disputed file with Lexis Nexis, XXXX and XXXX. XXXX and XXXX removed file immediately finding it inaccurate and non existing. XXXX has failed to remove after several request. Lexis Nexis-Dispute in progress.
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: To Whom May Concern, ( Lexis Nexis ) Please be advised I Am Disputing and the Bankruptcy need to be deleted because of the way it is reporting to my consumer Report Per FCRA Requirement. I am aware of, The Responsibility of credit reporting agencies Credit reporting information is sensitive data. The issues of accuracy and completeness of information and fairness to consumers are not just a concern of the consumer reporting agencies ; credit grantor participation is also required. Federal and state laws already regulate certain aspects of credit reporting. In order to protect your ability to conduct business without the further intervention of external forces, you must participate in the accuracy process. Both credit grantors and consumers depend on consumer reporting agencies to acquire and maintain accurate credit histories. This can only be accomplished if the provider of consumer data understands the tools that are available and adheres to the standards for credit reporting. I am aware that you use XXXX to process your disputes. XXXX XXXX XXXX XXXX This group maintains an industry-wide automated consumer dispute resolution system, which is required by the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 5 ) ( D ). This team includes representatives from XXXX, XXXX, XXXX and XXXX. Automated Data Reporting ACCURACY AND INTEGRITY DEFINITIONS The 2010 FACT Act Data Furnisher rules define the term Accuracy to mean that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumers performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. The term Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnishers records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the credit limit, if applicable and in the furnishers possession. MAINTAINING ACCURACY, INTEGRITY AND CONSISTENCY OF CREDIT INFORMATION Once information is reported accurately, it is important that data furnishers not ask for a subsequent change in the history payment record unless the payment history is inaccurate. Consumer credit history information will be reported in a factual, precise and objective manner. Only inaccurately reported accounts should be deleted. Paid derogatory accounts, such as collections or charge offs, should be reported as paid ; they should not be deleted. Requests by consumers for re-verification of challenged information must be processed promptly. Unless an error is discovered, the consumer will be advised that the factual credit history will continue to be reported. As Stated by the XXXX, the voice of XXXX, XXXX, XXXX and XXXX, who operate under the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 5 ) ( D ) using the system called XXXX, any sensitive data reported or obtained placed on a consumer report must be accurate. Missing, Errors, inconsistent, not available, Deceptive, Questionable, Deviant, unconfirmed, are causing the report to be inaccurate and the integrity of the reporting not being maintained which is required by the consumer reporting agencies. Inaccurately reported accounts should be deleted. Failure to maintain XXXX XXXX XXXX compliance must be deleted. PER FCRA, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am seeking {$1000.00} per violation. Please be advised this is my final attempt before a file a law suit. Please be advised you are discriminating against me violating the Equal Opportunity act. Please be advised that you are violating the FCRA law that you operate under. Lexis Nexis you have reported inaccurate information to XXXX and XXXX that have errors, and Causing the reporting of the bankruptcy inaccurate.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: LexisNexis keeps reporting my credit card judgement as a landlord tenant dispute which has caused me to be denied housing on several occasions. Ive been trying to resolve this issue since XXXX it is now XXXX and Ive had no luck in having them correct their information. Ive even gone down to the courthouse and it isnt filled as a landlord tenant dispute yet Lexis nexis keep reporting it does im at the end of my rope and taking legal action is my only option Im having to stay in XXXX and hotels because I couldnt relocate for work because of lexisnexis
Company Response:
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named LexisNexis. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A