Date Received: 2022-07-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Re : US BKPT CT IL XXXXXXXX XXXX To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
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: Account disputed with credit bureau came back on XX/XX/XXXX with resolution of " updated '' however all data remains the same further more status update shows update XX/XX/XXXX which proof not proper investigation was carried out
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
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: To : Whom it may concern CC : CFPB ; XXXX XXXX Attorney General ; XXXX XXXX XXXX, XXXX XXXX XXXX LexisNexis Claims to have used a database called XXXX to verify my alleged bankruptcy and then sold this information to the Credit Reporting Agencies XXXX and XXXX. XXXX makes it clear that a consumer has a right to privacy. LexisNexis Going out and digging up this negative information about me is an infringement upon my consumer Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Pursuant to 15 usc 1681b ( a ) ( 2 ) LexisNexis did not have a Permissible purpose nor did they have my written instruction to furnish this item. Attached is the document I received back from the United States Bankruptcy XXXX - XXXX XXXX of Indiana that states that they do NOT provide any information directly to any third party information gatherer. Since LexisNexis Claims to have investigated this Bankruptcy Pursuant to 15 usc 1681a- ( e ) XXXX states that in order for LexisNexis to have conducted an investigation they have to have spoken to neighbors, friends or associates etc, and if LexisNexis spoke with them the information Provided can not be factual. So now I need to know who LexisNexis Consumer Services Spoke with? If this can not be provided I demand that bankruptcy be deleted immediately and updated with XXXX and XXXX. Attached are all the documents required to verify my identity ( Which I have already provided you with several times ). This is my final attempt to resolve this before pursuing litigation as this issue has caused me XXXX, XXXX, and defamation of character if Lexis Nexis is unable to resolve this issue due to violations committed to me, the consumer, a natural living person. XXXX : XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$6500.00} the collection has been reported as pas due balance. I do not know this company. I have never done business with this company. This company does not have any contract with my signature. 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 instructions 15 U.SC.C 1681B ( A ) ( 2 ) - No consent is identity theft
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I want the inquiries gone. I have an extensive and well maintained credit history, with plenty of income and I cant get approved for a XXXX thing!
Company Response:
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Last year I sold my personal vehicle and cancelled my personal car insurance. I then purchased a buslness policy to cover myself in a vehicle owned by my business. Lexis nexis have now list me as having a gap in insurance coverage which is incorrect. I had personal insurance and business from XXXX This error is going to cause a double premium for no reason. I need it fixed before I step up to legal matters.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I attempted to apply for credit and was informed that this company has more than one social listed for me. I am a victim of identity theft and only have one social ending in XXXX. Any other socials are fraud or error.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
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: This is my 2nd dispute request, this final letter to your company will be my final attempt to resolve this with your company. If this is not corrected within 14 days, I will file a petition for a small claims case In the XXXX XXXX, XXXX XXXX, in XXXX XXXX XXXX XXXX TX for damages you have caused to me.I am disputing the following information that your company supplied to me upon request Consumer # XXXX Case # : XXXX The disputes are listed on the attached letter. Please note, that I am a victim of identity theft, and have provided information to your company showing that I am a victim of identity theft. Please delete the records I am disputing immediately.
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Lexis Nexis Account # XXXX, has violated my rights. 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 instructions
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
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: XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 concerning any such items of information. However, such information shall not include specific factual information on a consumers 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 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 instructions According to : 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: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A