Date Received: 2022-08-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It May Concern : On XX/XX/XXXX, I sent a certified/notarized letter to LexisNexis asking them to remove a XXXX Bankruptcy from my credit file because I nor the XXXX XXXX XXXX Bankruptcy Court provided them consent to sell or provide XXXX, XXXX, XXXX XXXX with my Bankruptcy information. I advised them that they violated my rights by committing the below violations : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction In response to my letter, I received a letter on XX/XX/XXXX from LexisNexis that was dated XX/XX/XXXX & XX/XX/XXXX, they advised that the information was accurate and they found these accuracies sourced from their own company as well as PACER Service. I am filing this personal complaint because they continue to violate my personal rights and have not received any proof from the XXXX XXXX Bankruptcy courts or myself to allow them to sell my personal information. This is against the law and they need to remove this from my personal credit file and DO NOT sell my information any longer.
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: LexisNexis and XXXX are reporting false information that should be removed from my consumer report.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamtion of my character
Company Response:
State: TX
Zip: 758XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is 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: 212XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is 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: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LEXISNEXIS OPT-OUT confirmation numberXXXX After opting out you violated my rights you Lexis Nexis reported to XXXX, XXXX, XXXX when XXXX froze your report you have done damage to my credit and personal information enclosed are my documents with you FREEZE ANY AND ALL INFORMATION AT ONCE. please explain why you released my personal information after I froze it
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
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 reached out to XXXX regarding my dispute regarding a bankruptcy that is on my credit that is not mine. I reached out to bk courts only to find out the courts do not verify any information with credit reporting agencies nor third party companies. The bk courts also sent me a letter stating that they do not verify anything with the credit reporting agencies. I reached out to lexis nexis because XXXX stated that is where they get verification for public records from. I reached out to lexis nexis they also stated my file is frozen and they did not verify any information with XXXX. I have sent XXXX the letter that the bk courts sent and XXXX has disregarded the letter that states they did not verify this bk on my XXXX report. The other two credit reporting agencies has removed the erroneous bk from my report over a year ago. XXXX also removed the bk and put it back on my credit report without notification which is breaking the law. I am supposed to be within informed ( 5 ) days before reinstating anything on my credit report proving they have documentation. READ BELOW : Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links https : //www.ecfr.gov/XXXX XXXX XXXX XXXX ( XXXX XXXX ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. REINSERTION READ BELOW : Reinsertion can be a serious violation of the Fair Credit Reporting Act. I suspect that XXXX unlawfully reinserted information into your credit file, I have the right under the FCRA to again dispute the inaccurate information. The credit bureau did not notify me in writing within five business days of the fact that it has reinserted the previously disputed information. In that written notice, the CRA must also provide me with contact information for the furnisher that certified the accuracy of the disputed information. XXXX stated they verified the bk with the courts which is a LIE! They did not verify with the bk courts whom is the ORIGINAL FURNISHER! Legal council will be stepping in soon on this matter. I'm tired of this cat and mouse game with XXXX! I will be suing for punitive damages. I have a phone log and usps trail that have kept and recorded phone calls with XXXX reps stating they verified that information with the courts which is a LIE once again. Also, all the disputes that I have filed with CFPB.
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with XXXX and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. Second complaint is that XXXX has put tons of hard inquiries collections on my Lexus Nexis and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Good afternoon CFPB I wish it didn't come to this I took the liberty of trying to fix the issue with LexisNexis Customer Center first before turning to the CFPB for help even though I have no formal agreement with them. On XX/XX/2022, I submitted a formal letter to LexisNexis Customer Center via certified mail the number is XXXX XXXX XXXX XXXX XXXX. In this letter I requested all original documentation and proof of my express written consent to Lexisnexis giving permission to share with non affiliated 3rd parties. Further I notified Lexisnexis my desire to opt out from my personal information reporting, in accordance with the Gramm Leach Bliley Act. On XX/XX/2022, it was confirmed that someone had been picked up at the post office on behalf of LexisNexis. As of now, XX/XX/2022, I still haven't heard back from the business. Nor have I received my LexisNexis report that i requested on XX/XX/2022 My financial reputation has been damaged, as a direct and proximate result of the actions by LexisNexis. These actions meet the essential elements of a libel lawsuit. I'm looking to the CFPB for help in getting a response from this company explaining why they are harassing me, violating the GLBA, and not complying with my request.
Company Response:
State: TX
Zip: 78539
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
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: 20716
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A