Date Received: 2022-10-10
Issue: Identity theft protection or other monitoring services
Subissue: Problem with product or service terms changing
Consumer Complaint: I wrote a letter to LexisNexis to have them remove my personal information from their service. They informed they would do so within 45 business days. When I check to see if my info was still listed 60 business days after their response, it was still listed.
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-10-11
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: Information is incorrect
Consumer Complaint: The reporting delinquent payment information is incorrect. This account was paid as agreed. The court has closed this case XXXX. And it is still reporting on my credit report and public record.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I have already filed a complaint with XXXX XXXX XXXX because I believe XXXX XXXX was negligent in forwarding me the report in question but LexisNexis is VERY DELINGUENT in its reporting accuracy about me. I received an ins score report, sourced from LexisNexis, indicating my ins score is XXXX and highest could be XXXX. Reasons for what I perceive to be a low score appear to be old and inaccurate. There appears to be no requirement for LexisNexis to update its reporting details. Some of the statements and the details within them could be more than three years old. Information about LexisNexis online is vague and rambling. Whether a score of XXXX is good or bad is not at all indicated. Further if consumers want more info they have to contact LexisNexis and wait sometimes for WEEKS to get answers. I believe, based on the sloppiness of this entire process I may NEVER hear from them. If this company is going to be free and careless about how they report consumers ' details, they should be more accurate!! For example, did they think to update ANYTHING after the recent XXXX debacle, where some consumers ' scores were dropped 100 points or more??? How do they get their information?? Do they check it for relevance?? How do they inform consumers they exist and possibly use their financial information against them???
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Information that should be on the report is missing
Consumer Complaint: XXXX XXXX insurance company requested a report from XXXX on XX/XX/2022. I have received a negative action letter. XXXX XXXX stated that a report from XXXX was used on their decision. Requested report and found a substantial amount of incorrect information ranging from different individuals who just shared my same name, wrong addresses, 20-30 year old addresses, real time driving information derived from the car telematics. Unable to initiate a dispute resolution due to incomplete information in website Customer service extremely difficult to navigate and drops calls continuously.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have been denied for products and or services based on information received from NexisLexis. However, when I have requested the report based on the information received from NexisLexis, I have been informed that they have no record of me in their database. This has been going on for several years now.
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. -- I am entitled to Fair Credit Reporting. -- I have given them authorized permission to report this public record on my consumer credit report. -- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. -- Letters have been sent certified mail and return receipts have been received by me. -- The following is a public record UCC filing and my permission has been given orally, in writing, and electronically to report this public record on my consumer report and I demand it to be reported : -- RE : PUBLIC RECORD FILING -- XXXX XXXX Department of Real Estate : -- Mortgage Agreement Filing Number : XXXX. -- UCC Filing Number : XXXX. -- UCC Filing Number : XXXX.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I honestly do not understand what is happening. I have not owned a vehicle since I sold my XXXX XXXX approximately 4 years ago so I have not been required to carry auto insurance obviously. I'm trying to insure a car now and my rate is through the roof and XXXX XXXX, for instance, is saying that I filed some sort of claim XXXX of last year. That is absolutely false!! I need this removed from my record.
Company Response:
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Lexisnexis is the company I am having issues with. I have noticed that my information in my scores are incorrect or missing information. I have requested a hard copy of my report but still have not received it. I decided to opt-out on XX/XX/XXXX. XX/XX/XXXX, I decided to put a security freeze on the account, I gave them a call. They informed me that the freeze will be in affect after XXXX hours. On XX/XX/XXXX, multiple insurance companies were still able to check my account without my consent. I gave them a call back ( lexisnexis ) today XX/XX/XXXX, and the lady I spoke with told me to call those same insurance companies to ask why they did a search for my credit. I asked the representative from lexisnexis why were insurance companies still able to check my credit with a security freeze and she could not answer that, nor give me directions in solving it. For 4 years this has been affecting my insurance rates and me not being able to even obtain home insurance from most companies due to incorrect information. When I first spoke with Lexisnexis ( approx 3-4 weeks ago ) asking what was in my report and that I would like to dispute it, he just told me he can not help me. That I can not put a dispute in with lexisnexis. I have never had problems before with my scores. This is my XXXX XXXX, military family that moves alot. For some reason when I bought this house all my problems with this company started.
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: VIOLATIONS & AMOUNT PER VIOLATION They have been reporting this bankruptcy on my credit report from XX/XX/XXXX to the current date as of this complaint XX/XX/XXXX which is XXXX years and XXXX months ( XXXX months x $ XXXX each month = {$40000.00} ) and the LIENS ( Records XXXX, XXXX, XXXX, XXXX, XXXX = {$5000.00} ) 15 USC 1684n - Civil liability for willful noncompliance ( 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} ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Being that LEXISNEXIS is a corporation ( See Exhibit E ), they obtained my consumer report under false pretenses or knowingly without a permissible purpose. 15 USC 1684n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. After contacting LEXISNEXIS and informing this company that they are reporting an unverifiable bankruptcy ( public record ) on my credit report and after sending them the 2nd notice ( Exhibit B ) with a copy of the Courthouse letter stating that the courthouse does not report to any consumer reporting agencies, LEXISNEXIS willfully and negligently reported this bankruptcy on my credit report. After I gave LEXISNEXIS notice about reporting the bankruptcy, it still reported LIENS ( Records 1, 2, 3, 4, & 5 ) on my credit report because I did not give them permission to report those accounts either. Check the LEXISNEXIS credit report attached. 15 USC 1681o- ( a ) In general Any person who is negligent in failing 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 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I did not give written permission to LEXISNEXIS to report this bankruptcy ( public record ) OR liens on my credit report. Therefore, LEXISNEXIS did not have a permissible purpose to report this bankruptcy and liens on my credit report. ( {$1000.00} violation/account = 6 accounts total ) 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. By reporting this bankruptcy on my credit report, LEXISNEXIS has violated my privacy rights. The reporting of this bankruptcy and the 5 liens accounts that has caused defamation of my character, my mode of living because I have been very stressed out from the numerous denials needed to take care of my family, and my ability to obtain credit for my everyday household needs and causing me to having to settle with credit that subjects me to high interest rates and resort to payday loans and cash advances which subjected me to predatory lending. ( {$1000.00} violation per account - 6 accounts ) 15 USC 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. LEXISNEXIS failed to report verifiable and accurate information on my credit report for each of the accounts dealing with the bankruptcy and the liens being reported. ( 6 accounts total ) 15 USC 1681e - Accuracy of Report - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Thus resulting in knowingly transferring, possessing, and using without lawful authority a means of identification of me, LEXISNEXIS committing identity theft. There is no public record and LEXISNEXIS can not furnish this information because I did not give them permission to report the bankruptcy/public record and the liens to my credit report. 18 USC 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I have uploaded a copy of the LEXISNEXIS reports. I have uploaded a copy of my state issued drivers license for identity verification.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they 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 a account without my written instruction. Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A