Date Received: 2022-06-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reported these inquires and sent in police report by certified letters and they are still not removed
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, My name Is XXXX XXXX and I am filing a complaint against LEXISNEXIS for committing identity theft & Fraud. I have never given LEXISNEXIS permission to use any of my identifying information. They continue to ignore my correspondence. According to the FCRA, in order for to furnish the alleged US BANKRUPTCY COURT LEXISNEXIS would need to be able to both VALIDATE and VERIFY the information with original creditor. US IN Bankruptcy Court has also assured me it is not within their policies or obligation to validate any public records via Mail please see attached documents. Also Refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give LEXISNEXIS neither direct nor indirect permission to furnish my information. If this documentary evidence can not be produced of how my information was verified & validated. I will file for litigation for actual damages caused and LEXISNEXIS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. I will also be filing a complaint with the FTC. Your prompt attention and response are both requested and required.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Without my knowledge, XXXX XXXX created an entry that was sent to the CLUE ( Comprehensive Loss Underwriting Exchange ) operated by Lexus Nexus. The entry is dated XX/XX/XXXX. We did not know of the existence of this entry until XX/XX/XXXX. XXXX XXXX has raised our insurance premium for renewal by 108.4 %. By creating this entry that appears as a claim that paid out {$0.00}, the result is that competitive insurance carriers will not quote us for a new property insurance policy or want to place a surcharge on the premium they quote. We can not shop for competitive rates. My contact with XXXXexus Nexus by phone ( a recorded conversation that I asked to be preserved ) on XX/XX/XXXX resulted in a conversation in which I requested that this entry is disputed and should be removed. They replied that they will look into this and respond within 30 days, making my ability to shop for insurance highly limited. Since I was never notified of this adverse entry in the Lexus Nexus database by XXXX XXXX, which is equivalent to a negative credit report, I feel both companies should be financially punished by the Federal Government or whoever regulates their behavior regarding consumers since I had no opportunity to dispute the entry until present time. XXXX created a reference number for the disputed entry of : XXXX
Company Response:
State: CA
Zip: 92026
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I would like for you to assist me in removing this bankruptcy from my credit report. I never filed for XXXX and this is not mine
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I requested a copy of my consumer report from LexisNexis Risk Solutions Group pursuant to the California Consumer Privacy Act and the federal Fair Credit Reporting Act. I received the requested reports from LexisNexis, which were dated XX/XX/2022. I subsequently attempted to exercise my rights under the CCPA by requesting LexisNexis to delete my personal information by filling out a form on their website on XX/XX/2022. In making my delete-my-personal-information request, I provided the very same information that I provided earlier when I requested a copy of my report. In response to my request to delete my personal information, LexisNexis responded in a letter dated XX/XX/2022, that they have been " unable to locate information sufficiently matching your data. '' This is difficult to believe. They had no trouble locating my consumer report when asked for a copy, yet when I requested my personal information to be deleted, they suddenly are unable to locate my consumer report.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. doing business as XXXX XXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXXXXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of 11 derogatory remarks on XXXX, XXXX and XXXX. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed XXXX violations. The account with XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX. doing business as XXXX XXXX was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ). After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be original and current creditor 15 USC 1692e : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be the original and current creditor,
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
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 am filing this complaint to request that XXXX delete this unverified, old and obsolete bankruptcy, Reference # XXXX off my credit report. I have previously disputed this bankruptcy record with XXXX and they have verified the item as accurate several times, stating that XXXX had verified the information with the court. On XX/XX/2022, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois via certified letter. On XX/XX/2022, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my XXXX report and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy CourXXXX, XXXX XXXX XXXX Illinois. This unverified bankruptcy is apparently being reported by third party record provider Lexis Nexis without any validation or verification that the bankruptcy information is accurate.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
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 made a complaint to CFPB in regards to an issue that Im having with LexisNexis they have failed repeatedly to fix this issue of reporting inaccurate information to XXXX, XXXX, XXXX stating that they received this information from a valid source the XXXX XXXX XXXX BANKRUPTCY COURT. I am also providing a statement from the court that they do not provide any information to the credit bureaus, also I will attach the notice that I mailed to LexisNexis in regards to this issue, along with the letter they sent back stating the received this information from the XXXX XXXX XXXX, I have been going back and forth with lexis nexis about this issue and they have failed to get it right. And they are unable to provide me validity from the court that gave them this information so under the FCRA they are to remove this inaccurate information.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 Bankruptcy Case Number : XXXX, and Bankruptcy Case Number : XXXX has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
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: Regarding the previous CASE # XXXX, the company 's response letter indicated that there was no record found in their database with my given information. The evidence below clearly justifies that there are 2 speeding tickets listed on my MVR which is absolutely vague. Here am struggling to find better insurance rates from the auto insurance companies and LexisNexis closed my previous case without any consent or resolution and provided an inappropriate reason. If the company does not have my MVR in their system, I would want LexisNexis to get that fixed on Auto Insurer 's ( XXXX ) end and provide them with accurate information.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A