Date Received: 2022-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: the consumer reporting agency LexisNexis has infringed my right to privacy and has violated many federal laws. LexisNexis has violated my rights to privacy and consent. by furnishing my public information without notifying me or having my written consent. the law Cleary states i have a right to privacy. in response LexisNexis told me that this law doesn't apply to them and and they can furnish my information without my written consent. LexisNexis also reply to me saying they are not a Fianacial institute. they only validate information. LexisNexis never gave me the right Wich is required by law to dispute any negative information that's being furnished to my consumer profile. im currently working with my states attorney office to hold this company accountable for breaking federal laws and for disregard to consumer rights. my states attorney office still has yet to receive response from LexisNexis for violating my rights. Wich, we have more than enough evidence to hold this company accountable. in federal court. as a result of XXXX violating my rights. i was discriminated against and denied my right to extend credit. i also suffered emotional as well as financial hardship. there for LexisNexis is liable according to 15 usc1681o. other vioaltions 15 usc 1692a ( z ) - 1681 ( a ) ( 4 ) 15 usc 1602 ( k ) 15 uisc 1692j ( a ) 15 usc 1692a ( z )
Company Response:
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Incorrect information about bankruptcy which is dismissed not discharged.
Company Response:
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. I am putting you on notice that all Late payments being furnished on my consumer report is illegal. According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.
Company Response:
State: TX
Zip: 77506
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Lexis-Nexis have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: LexisNexis, AND XXXX XXXX XXXX AND CRIMINAL HISTORY IS INACCURATELY REPORTING IN MY GOOD NAME WITH SAID ABOVE COMPANIES. DUE TO ID THEFT AND FRAUDULENT ADDRESSES WHERE I NEVER LIVED. PLEASE SEE THE ( FTC ) REPORT ATTACHED FOR ADDRESSES, IN THE JURISDICTION OF XXXX XXXX ILLINOIS.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022, I filed an Identity theft report against LEXISNEXIS for selling, furnishing and reporting information they have no consent or permission from me to furnish or have. It is my right to privacy to keep my non-public personal information private and hold any person liable for stealing my information, which LEXISNEXIS has done. On XX/XX/2022, I sent LEXISNEXIS an Affidavit of Truth for committing Identity theft. On XX/XX/2022, LexisNexis sent me a reinvestigation letter showing all deleted alleged personal information they had on file of me including a XXXX XXXX XXXX. As of today, LexisNexis continues to furnish the XXXX onto my credit report with XXXX, XXXX and XXXX. LexisNexis has no permissible purpose, nor do they have my consent to furnish any alleged information about me. I have never done business with LexisNexis and neither do I have a contract with this company that allows them to furnish information about me. They are in several violations of Federal Laws that prevents them from defaming my character, causing harm to me and preventing me from being able to obtain credit.
Company Response:
State: MI
Zip: 48182
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XX/XX/2022 .I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating that " They do not report any bankruptcies to anybody.So if that's the case.How did the credit bureau add my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 section 603 ( 3 ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 conceming any such items of information. However, such information shall not include specific factual information on a consumer 's 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 1881. According to 15 USC 1681 section 602 A. States I have the right to privacy According to 15.11.5.0.1681 Section A Section 2 also states..comodi.ac. can not fumisha account without a Uten instructions
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Company Response:
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XX/XX/2022 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: Lexis Nexis will not send me a credit report. XXXX I sent a letter requesting, then sent a letter back requesting more information on who I am. I sent them driver 's license, copy of insurance, and IRS tax for XXXX. XX/XX/XXXX i got a letter case number XXXX ( XXXX ) stating Reinvestigations. Reason for contact- Dispute... Results on three disputes : that data being reported inaccurate???? So I never disputed anything. I've disputed with XXXX, XXXX, and XXXX asking them to verify creditors ' information from the leader. I asked these three companies for I understood they are pulling data from Lexis Nexis who won't send me my credit report. Can you help me with this circle Im stuck in?
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A