Date Received: 2022-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I need to make sure you have my correct business information for my business registered as XXXX XXXX XXXX XXXX in the state of California. I have called but have not been able to get someone to help me with this.
Company Response:
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
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: On XX/XX/2021, I sent a letter to LexisNexis regarding fraudulent, unverified information they have on my credit report. I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. LexisNexis is required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Much of the information they have listed on my LexisNexis report is no where to be found on any of my credit reports with XXXX, XXXX or XXXX. So where is LexisNexis getting the information from? Where are the applications, the wet signatures, proof of identity that they used to verify my information? They have multiple variations of my name, which all are incorrect, yet they " claim '' they've have verified it. Please ask LexisNexis to provide us proof of the information they used to verify this information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible 100 % accuracy in the credit reports you publish. Your agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they have proof. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to act as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was stolen years ago and I've had to file several reports to remove the inaccurate accounts from my credit file. No results.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Company Response:
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Company Response:
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of equifax did not delete these charge offs/write offs as by law were expected they just waited. XXXX, XXXX, XXXX XXXX, LEXISNEXIS, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
Company Response:
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX AND LEXIS NEXIS ARE REPORTING FRAUDULENT INFORMATION IN MY NAME, SUCH AS HARD INQUIRIES ON CREDIT REPORTS AND LEXIS NEXIS WILL NOT OR HAS NOT SEALED MY LEXIS NEXIS REPORT AS I HAVE ASKED THEM TO DO FOR 5 YEARS SO FAR. XXXX XXXX. HAS NOT REMOVED FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT DUE TO ID THEFT. AS STATED IN THE FCRA.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XX/XX/2022, LexisNexis this is a responding complaint. Complaint number # XXXX. LexisNexis states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and LexisNexis obtained this address from XXXX, XXXX and XXXX. The nationwide consumer reporting agencies. I am disputing this address and request LexisNexis to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH XXXX, XXXX AND XXXX. Therefore LexisNexis is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with XXXX, XXXX and XXXX.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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: My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A