Date Received: 2021-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear CFPB, I did not consent, authorize, nor benefit from any of the following inquiries. Please direct LEXIS NEXIS to block and remove them from my consumer report : 1XXXX XXXX XXXX XXXX 2 . XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX I have already mailed a copy of my identity theft report and identification to LexisNexis.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello! Just wondering if you could help me out with my situation or point me in the right direction, please? I am fed up with trying to reach out to these companies. I am trying to file a complaint against XXXX and Lexis Nexis. XXXX without any warning or notice changed my auto insurance from ninety dollars a month to XXXX dollars a month. They did not and still have not provided me with a letter showing the reason for changing the price per month. They just increased it and billed the higher amount the following day. When I asked them, XXXX first said that it was due to inflation and they were doing this to all the customers living in Arizona and then after I filed a report with XXXX, they are now saying that it is because the Lexis Nexis company increased my car insurance credit score probably because I refinanced my home. I have never heard anything like that before and I speculate that they are doing this to many of the customers to earn more profit and therefore, I am requesting you to please help me out and others that may be impacted by XXXX immoral work ethics. When I asked XXXX to let me know my past and new Lexis Nexis 's credit scores the insurance price is based on, they said the company did not provide them with any score values. So, how did XXXX increase my insurance rate? On what basis? This is a fraud happening behind closed doors. XXXX does not receive scores from Lexis Nexis but still they increased my car insurance price based on Lexis Nexis 's credit report. This fraud is bigger than it sounds. Nothing changed in my life that should impact my car insurance score. I dont even drive that much these days because I work from home. I am getting a much lower mortgage rate of 2.25 % because of my excellent credit history. If only that should improve my credit rating and I should get better rates. How could this impact my car insurance rate??? I have never heard of this before. These people should be ashamed of themselves. There is no way to reach out to the Lexis Nexis company even though they have a lot of phone numbers and XXXX does not leave a digital footprint either since they only accept phone calls, and they say whatever they want. Would you help me out PLEASE? Sincerely, XXXX XXXX
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
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 is 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: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis Still has my information, I called and asked to opt out, AND DELETE all information in my name. They said they would mail out a report of all items on my report, on XX/XX/XXXX they mailed me a letter saying " unable to process request ''. im under no opbilation to send them any of my personal documanets. I HAVE NO CONTRACT WITH LEXISNEXIS. I want ALL my information removed forever, this is a private company with my personal information REMOVE IT.
Company Response:
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
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 the CFPBOmbudsman ; I am a XXXX, elderly woman living in XXXX Nevada. I have had some issues with my rental credit in the past, however, I have made amends to the establishments and have even gotten the court judges to drop my case from their files. The courts also supplied me with letters and documentation as proof of my actions. I am attaching the letters of proof to this email for your consideration when replying to me in regards to what assistance you might be able to give me and direction in which to go from here. I have filed several complaints and disputes regarding having these negative items removed from my reports per the judges in kind. Here in XXXX Nevada, there is a function all too familiar to some consumers in regards to apartment credit checks. The upper-end apartments in clean, safe suburbia with access to bus lines, walkability and for those of us with no means of transportation, half the price of rent on brand new apartments built for low income, XXXX, or elderly have only one credit checking website that they utilize ... XXXX and LexisNexis. I have disputed incorrect, outdated information, and provided explicit proof for about 8 months straight trying to pass a rental property credit check that these affordable, brand new apartments rejected me in after hundreds of dollars in credit checks just trying to move into a safer, cleaner neighborhood for half the price of where I live now. Every month there are at least two homicides within blocks of my roach-infested, slum-lord apartments I have lived in with perfect renters credit for 6 years ... NEVER LATE ... 2-3 DAYS PAID IN ADVANCE. These extremely affordable, better-suited apartments average about 400 per month with all the luxuries and section 8 applicable. They have taken every dime of the credit check money with a smile knowing that they were not ever going to allow me to move in and this was because the XXXX/LEXISNEXIS credit reporting agency says that they don't care what the judgment in court did to help me continue my exemplary renter 's credit. They continue to this day to take my dispute and reply that they basically don't care and are not ever going to remove the outdated and incorrect information from my XXXX/LEXISNEXIS renter report. I am forced into indefinite punishment for unwarranted demise due to something that has been rectified, accepted by the judicial courts ( eviction ) as a forgivable incident of which I have not incurred in 6 and a half years. I have perfect renters credit. However, in XXXX, it's common knowledge that these two credit agencies work hand in hand with upper end more affordable apartments in safer neighbors to the leasing agents. Certain people are just not going to be accepted as a tenant based on other conditions in question and XXXX helps the leasing agents maintain social operation among its tenants. I am not perfect. I have, like everyone on the planet, had some hard or discouraging developments in the past, but I recovered and worked hard to live out the rest of my maybe short life happy and with feelings of accomplishment in m older years and retirement. I was blessed to be so young to retire early and now I just want some stability, a permanent home, and not to constantly move from one slum to the next only to find out that it's twice as bad as the one I left. I have attached a short video of what I have been forced economically to withstand for two years now ... and it gets worse. As I said before XXXXXXXX/LEXISNEXIS refuse to correct this incorrect and outdated information on my report and the courts and judge say they should be ashamed and should remove it. Other than that, my report is perfect. I am XXXX and trying to stop living like I'm working again paying XXXX rent on a {$1700.00} income in destitute and unlivable conditions. It's amazing to have a XXXX XXXX XXXX built with my own hands and determination to constantly hear the words .... '' I'm really, there's nothing we can do. By the way, the XXXX deposit to hold the apartment will be reissued by mail in about 8 weeks. It's coming from corporate. " ( devilish grin ) Ok, so much for having money to do other things or look elsewhere until that check comes in the mail. I am so sorry if I sound familiar that the poor little old lady with an eviction 6 and half years old in her past begging for help after her dubious blunder. I need an advocate. I have investigated and sought assistance from legal aid, tenant/landlord services, XXXX Fellowships XXXX XXXX Charities ( Peace be with you ), the City of XXXX, etc. Doors shut -- -locked -- -forget about it. I don't give up. I am not afraid or too proud or too angry to reach out time and time again for the help. If you can't do anything, at least refer me to someone other than a XXXX dollars. XXXX? How can you help me get this unflattering derogatory, outdated, corrected information off my XXXX/LEXISNEXIS rental report? Will you give me a chance to help someone else in kind after which? Pay it forward. I have an Ombudsman assisting me with my {$11000.00} XXXX XXXX medical bills right now. So, you can imagine when I was reading the consumer assistance data from the credit report, how elated I became to see that there is also an advocate Ombudsman for those of us being scrutinized and deterred from an equal quality of life. All I know is that people that they want to pass the credit checks regardless of similarities, somehow move in and with no deposits, first and last, reduced rent, and third-floor majestic views from the balcony of their never-lived-in apartments. Somewhere, somehow, someone is what I need. This is no urgent matter anymore but I'd like to see some improvement without guardrails and keep-out signs. I was quickly qualified for the apartment I was left for choice in the projects. I move in on XX/XX/XXXX and as usual, the complex welcomed me in with no deposit, on good credit standing through XXXX ; however the catch ...... I have to move in accepting that the apartment is in renovation and not ready for move-in. They are desperate to fill the units. My medical XXXX is going to suffer from my transgressions. Sometimes, prayer just isn't enough. Please feel free to contact me using the information I provided below. I need to at least hear some advice and a possible fix. I don't know how you work or what you can or can not do, but please don't delete this letter and forget about me. I'll be standing humbly behind you waiting my turn. It's not fair that XXXXLEXISNEXIS is refusing to delete this derogatory information from my file. How can you help?
Company Response:
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently pulled my consumer risk report through Lexis Nexis. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct information.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2021, LexisNexis is required by law to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as the fair credit reporting act states in 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 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. 15 U.S. Code 1681a - Definitions ; rules of construction. ( e ) 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. I DID NOT GIVE LEXISNEXIS WRITTEN PERMISSION TO ADD A BANKRUPTCY TO MY CONSUMER REPORT. The next law states that very clearly.15 U.S. Code 1681b - Permissible purposes of consumer reports- 15 U.S Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency MAY furnish a consumer report under the following circumstances AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. LexisNexis is exercising unfair practices and violating the F.C.R.A. because I have not and will not give a consumer reporting agency permission to put anything on my consumer report. As a consumer I want the bankruptcy DELETED from my consumer report IMMEDIATELY. I have attached document for proof because LexisNexis is reporting this to XXXX, XXXX and XXXX without my CONSENT as well.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
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: There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
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: There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Company Response:
State: FL
Zip: 34234
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On the XXXX day of XX/XX/2021 XXXX putting you on a full legal warning if the public record is not remove from my credit file in 10 business days you will suffer the Consequences of a lawsuit you have committed multiple violations of the FCRA in this includes US C 1681i failure to conduct a reasonable investigation. Acting willful and reckless and negligence with reporting I have requested specific information from you using the method of verification FCRA verification you had 15 days to respond under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 day you have failed to comply with any if not all federal laws. 10 days legal action will be applied and this will include attorney fees pain and suffering and proof of willful and reckless credit reporting you have been been sent factual base disputes showing the inaccuracies all I asked you to do is verify the information with the clerk of court with the name and phone number of who you spoke with but you just can not supply me with that information. The public record is consider unverifiable if you are unable to verify the information with the clerk of court pacer is a 3rd party vendor I have told you over and over pacer is reporting inaccurate dates how can you verify inaccurate information without going to the source? thank you for your time XXXX XXXX
Company Response:
State: MN
Zip: 55311
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A