Date Received: 2022-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX XXXX, I am submitting this letter to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of Identity theft
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have become aware that the company LexisNexis has violated the Fair Credit Reporting Act by accessing and selling my consumer report to other consumer reporting agencies without my permission. As a Consumer in Fact, I have the right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) and did not give LexisNexis authority to have my personal information in their database or to sell my information to other consumer reporting agencies which is an infringement upon my rights as a natural person per Title 15 Per USC 1681b ( a ) ( 2 ). I have forwarded to LexisNexis an affidavit and invoice specifying my requests and have not heard from them as of yet.
Company Response:
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: On XX/XX/2022, I requested my report from LexisNexis to compare it with the credit bureaus. I requested it online and was informed that the report would be mailed out in 2 weeks. I have yet to receive the report. I then started calling all 3-credit bureaus to dispute any information that was received by LexisNexis due to them providing me with my personal information. All complied and XXXX immediately removed my information and XXXX put everything into dispute. XXXX on the other hand explained to me that the bankruptcy that existed on my credit report is public information. I informed the CSR XXXX that I was fully aware of that, however, how did they obtain the information since the credit bureau 's get reported too and do not go fishing for consumers personal information. She never told me where the information came from. I then informed her that I had seen on their website that they are partnered with LexisNexis and asked her was that where the information came from and she finally replied, yes. I went on to tell her that since XXXX uses them as a third-party vendor that my credit report should be cleared from negative reports that LexisNexis has provided them because they are not abiding by the Fair Credit Reporting Act. She then goes on to argue with me and ask me did I had filed bankruptcy or not. I replied, the fact of whether I filed or not is not the question being asked by me. I informed her that my information that LexisNexis obtain was not given to me as requested and that is a conflict with the information that is reporting on my credit report because I was violated my consumer rights and all negative information should be cleared due to this factor. I ended up speaking with a supervisor and she informed me that they will need to contact LexisNexis and dispute the bankruptcy information and will have a response available within 30 days ( about 4 and a half weeks ). I requested from the Supervisor XXXX that ALL negative/damaging information that was provided by LexisNexis should XXXX deleted because I was not given my requested personal information, which violates my Fair Crediting Report Act. After completing my call with Supervisor XXXX, I then tried to call Lexis Nexis regarding clearing any derogatory information given out to all 3-credit bureau 's due to the report was never received and this was in violation of my Fair Credit Reporting Act. However, the customer service number has so many loopholes it does not give you the option to speak with a customer service representative. Although, the customer service number indicates on the recording that there might be a longer than normal wait time. This really concerns me that a credit bureau can play with consumers credit using 3rd party vendors that you can not only receive requested information from but can not reach either.
Company Response:
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to US Bankruptcy asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from US Bankruptcy XXXX XXXX XXXX New York stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since Lexis Nexis did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents. According to 15 USC 1681 ( a ) ( 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. XXXX and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.
Company Response:
State: NY
Zip: 14227
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: They have verified me over and over again. Again, this is stall tactic they're using to keep illegal information on my data file. The evidence has bee presented to CFPB. They added false information to the file that wasn't there before so that clearly let 's you see they are playing games. I ask that you don't allow Lexis to get away with this. They don't like it when people start disputing items on data report their job is to keep as much negative information on you as possible. They placed the information there not the insurance company in Florida they tried to pin it on. This clearly let 's you see their lies. In the previous months they have verified and verified to even issue the multiple reports they have sent so I can access a copy of the report online. If I need to upload the multiple reports to show how we've been corresponding over the past months I will happy to do that. I will also be getting in contact with the media for further investigation so they can make the public aware of their actions. They posted the following : In this complaint filed with your office, XXXX XXXX alleges that fraudulent name variances, business associations, and addresses are reporting within her file. In response to XXXX XXXX complaint, LexisNexis initiated a dispute of said the following records on her behalf : Who is XXXX XXXX... .this is clear that they are asking erroneous error, add-ons to my data files. Only after I disputed, yet again, the info on file along with submitting this complaint to CFPB, they ( Lexis ) wants to state, need to verify more info and name variances when the real issue is they put false info on my data files and doesn't appear to be addressing any part of the previous complaint issued by me. I ask that you re-open this case. They want a call from XXXX so they can only continue to dance around in circles trying to delay the process even further. They don't care if you file a complaint against the they feel they can just provide any type of response and close the case and that if will all go away. I have already made phone calls to Lexis they only want to play around indicated in previous complaint issued by me. If this was regarding name variance surely they would have asked for the legal court document to show the name change granted in 2016. How are they not addressing the false info they placed on data report but trying to side track the complaint by directing your attention to a lesser concern that was also disputed. You noticed they haven't address the false info they placed on file. If more info was needed they would have asked for that when I tried talking with Lexis before but what they did was try to place the fault with an insurance company I've never had any dealings with. This is a distraction so that you won't punish them. I have shown the email from the rep there at the insurance organization that they have had no dealings with me. I have noted several issues in the complaint, however they have decided to take the route of talking about a Name variance, which isn't addressing the primary issues express in the previous complaint issued by me. This is an attempt to delay the process of deleting false info that was added by their company, which fully goes against FCRA law, rules and regulations. I have report after report issued by Lexis giving updated reports after previous disputes issued by me. They have verified me over and over again. Again, this is stall tactic they're using to keep illegal information on my data file. The evidence has bee presented to CFPB. They added false information to the file that wasn't there before so that clearly let 's you see they are playing games. I ask that you don't allow Lexis to get away with this. They don't like it when people start disputing items on data report their job is to keep as much negative information on you as possible. This clearly let 's you see their lies. In the previous months they have verified and verified to even issue the multiple reports they have sent so I can access a copy of the report online. If I need to upload the multiple reports to show how we've been corresponding over the past months I will happy to do that. I will also be getting in contact with the media for further investigation so they can make the public aware of their actions. They posted the following : In this complaint filed with your office, XXXX XXXX alleges that fraudulent name variances, business associations, and addresses are reporting within her file. In response to XXXX XXXX complaint, LexisNexis initiated a dispute of said the following records on her behalf : Who is XXXX XXXX... .this is clear that they are asking erroneous error, add-ons to my data files. Only after I disputed, yet again, the info on file along with submitting this complaint to CFPB did they want to state need to verify ore info and name variances when the real issue is they put false info on my data files and doesn't appear to be addressing any part of the previous complaint issued by me. I ask that you re-open this case. They want a call from me so they can only continue to dance around in circles trying to delay the process even further. They don't care if you file a complaint against the they feel they can just provide any type of response and close the case and that if will all go away. I have already made phone calls to Lexis they only want to play around indicated in previous complaint issued by me. Again, please don't allow Lexis to get away with this. They put the false info on my data report not the XXXX XXXX XXXX XXXX company they lied and tried to pin it on. numerous phone calls have been made to Lexis but once I saw they were playing games I immediately contacted CFPB. This is against the law.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : XXXX Please remove this bankruptcy from my Public record XXXX Please remove this bankruptcy from my Public record
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
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: On XX/XX/2021 & XX/XX/2021, I contacted Lexis Nexis via certified mail asking them to validate how they received information on a bankruptcy that they are reporting on my credit report. I have not received anything In writing as to how they validated this information they are reporting on my credit report. The federal law requires them to respond within a 30 day window and they did not. I also contacted the Bankruptcy Court myself and they told me that they do not furnish this information to any credit reporting agencies. Please help me with this matter!
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
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 contacted LexisNexis and requested my entire personal profile history. I for sometime had been getting wrong identity questions and answers on my identity checks and XX/XX/XXXX was finally able to track down that it was LexisNexis the incorrect info was coming. I received the report XXXX. I took time and reviewed and made a list and contacted LexisNexis by phone on XX/XX/XXXX and took an hour to detail each incorrect name, incorrect addresses that never belonged to me and were never published on my 3 credit bureaurs- they all belong to people I'm not related and don't know- I was told these should not be on my report by LexisNexis representative on XX/XX/XXXX. On XX/XX/XXXX phone call I was told I would get a letter in XXXX days with the information removed. It is now XX/XX/XXXX, and I called on XX/XX/XXXX and today on XX/XX/XXXX and they said there is STILL no results from the investigation. on XX/XX/XXXX they said they would ask for someone to complete it and get back to me in 2 business days. It has been over a week, and they said today on XXXX that still no one has reviewed or made a determination. This causes great difficulty because the incorrect info comes up in 3 of the 4 questions they ask, almost every time I have to use the identity questions to verify myself.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized credit inquiry on Lexis Nexis report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AZ XXXX XXXX dated XX/XX/XXXX. I have no known accounts with this company nor have I received any communication from the company as of today, XX/XX/XXXX. It is stated in Lexis Nexus report that this inquiry is shared with companies that view my Consumer file, may be used in credit scoring and may impact a credit rating. This inquiry needs to be removed from my report.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis responded to my complaint on XX/XX/2022, and they stated that they sell public records in bulk to a variety of customers, including consumer reporting agencies, such as XXXX, XXXX, and XXXX. LexisNexis said that these bulk records are not consumer reports as defined under the FCRA, so I asked LexisNexis to show me where they read in the FCRA that these bulk records are not considered consumer reports, and till this very day, LexisNexis has failed to show me this information. I called LexisNexis on the phone asking them to show or tell me where I can see for myself in the FCRA where it states that the bulk records they sell to these consumer reporting agencies are not consumer reports, and they had me on the phone for almost an hour, and I had to tell them to just call me back when they figure it out, and they never where able to show or prove to me where they read that false statement they made. I informed LexisNexis that when they removed the bankruptcy from my LexisNexis report after my dispute, that they were admitting to the violation of the 15 U.S. code 1681b Permissible Purpose of Consumer Report. This law clearly states that the Consumer shall have consented orally in writing, or electronically to the procurement of the report by that person, in which I did not consent to. Under the FCRA remedy law, its states that for every violation, its {$100.00} to {$1000.00} and I am demanding the max for damages and the stress that LexisNexis has caused and continue to cause! This is my last time trying to work with LexisNexis outside of Court, if LexisNexis dont comply this time, I will be forced to file a Lawsuit with my Attorney, once again LexisNexis I have attached XXXX invoices for a XXXX dollars, XXXX for the violation when you sold my consumer report to XXXX and XXXX for when you sold my consumer report to XXXX XXXX if you dont comply I will start a lawsuit and it will be for more than what I am demanding for right now. XXXX XXXX, Consumer
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A