Date Received: 2021-12-11
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: My wife and my wife filed for bankruptcy in 2013, due to excessive credit card amounts. A company called LexisNexis was giving out questionable credit information so they agreed to refrain from giving out information without my consent. I spoke with them earlier this year and placed a freeze on my account. As I am XXXX years of age and my only income is Social Secur4ity, I deal only in cash or bank cash card. No credit cards. As Insurance rates have increased drastically, I recently went shopping for a lower rate and bam XXXX XXXX XXXX has notified me that my reported insurance score is 609and therefore a much higher rate will be charged. I have never defaulted or made a late payment on my insurance. Tower list reason given, XXXX. These reasons by themselves are very questionable, but have no bearing on XXXX XXXX.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: LexisNexis is reporting a case that I was dismissed I was found guilty on I did nothing wrong and the judge agreed with my after further looking into the case at hand. LexisNexis is not only reporting a dismissed case in which I've never been found guilty on the XXXX case. This dismissed XXXX case is being reported under the driving record section ; which is a major error within their reporting platform. The XXXX case SHOULD NOT BE UNDER THE " Motor Vehicle Records '' either. Reporting inaccurate information is a violation of the FCRA and I'll most definitely exercise my rights and sue LexisNexis for the max amount if this dismissed case is not deleted from my consumer report. By LexisNexis reporting misleading information under my driving record that shouldn't be under the " Motor Vehicle Records '' of my consumer report I will sue if these cases are not removed from my consumer report because they're being reported inaccurately, criminal cases should not show up under the " Motor Vehicle Records '' section unless the case pertains to anything that has to do with a motor vehicle but neither of these cases do. Therefore; making their claims a violation of the FCRA. I have attached LEXISNEXIS reporting error and also the court records of the case being dismissed.
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by XXXX ( now LexisNexis? ) Made request for credit report to determine problem. Letter from LexisNexis indicated " unable to process request ''. Made numerous phone calls... no response ; not one. Letter from LexisNexis " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against XXXX. What's it take to get action on this?
Company Response:
State: CA
Zip: 91320
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received my consumer report from LexisNexis. When I got the report I noticed several harmful mistakes that were being reported on my consumer report. One of those mistakes being is a driving violation in particular a " NO VALID OL M1 '' Case # XXXX. This error in they're ( LexisNexis ) reporting is a serious mistake and a violation of the Fair Credit Reporting Act. Seeing how I've always had my driver 's license this CAN'T POSSIBILY BE ME. I understand mistakes happen and there's a chance that my information could have gotten mixed up with someone's else information ; but this mistake need 's to be corrected and deleted from my consumer report ASAP. If not I'll file a lawsuit against LexisNexis to enforce my rights under the Fair Credit Reporting Act section FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). For defamation.
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Company has reported inaccurate unauthorized information to report and I am demanding this account be deleted immediately. The account is negligently and inaccurately reporting failing to comply to 15 USC 1681 for Misleading False Reporting. XXXX XXXX XXXX Account Number : XXXXxxxx Account Type - Detail : Child support Date Opened : XXXX/XXXX/2018
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently wrote LEXIS-NEXIS and I asked them to remove public record that was illegally put on my profile they did remove it from the main part of the report but then the back page of the report they still listed it but didnt list some of the information. They also after my request to dispute some of the information that was either in accurate incorrect or outdated, ask them to remove all of that information that was either in accurate outdated or just did it belong to me they failed to remove the information that I asked had highlighted on the documents. I highlighted it in yellow even wrote notes and arrows to point to the information being disputed intern while they made that one correction which was removing that public record that was illegally put on my data report they added some information that did not belong to me belongs to some person that I have no idea who that person is and they kept trying to shift the blame To an insurance company that I have absolutely no dealings with that insurance company listed on the report that you see attached offers homeowners policies I have never owned a home in my entire life and so they kept shifting the blame to the XXXX company so theyre playing games to see if they can keep erroneous information on your data report as long as they possibly can. You dispute items they may remove one or two leave the others and then add something else that totally didnt belong to you. They added something that they pull from a court file that is very outdated to my report. Then they added this information saying that I had asked for a quote from our insurance company that does homeowners insurance policies and Ive never in my entire XXXX years never have I owned a home so why in gods green earth would I be asking for a quote for homeowners policy for myself and then it had some womans name listed in a whole other State that Ive never been to not ever in Louisiana. So in them shifting the blame to the insurance company I called the insurance company per the number that Lexus Nexus gave me and they couldnt find me in their system and likely so because I have never had any dealings with them they escalated the situation gave me a contact person and I have included that email of that contact from the insurance company they have listed on my LEXIS-NEXIS report stating that they have never had any dealings with me and that LEXIS-NEXIS is the one that mustve put the information there in error. But it seems too convenient that when you start disputing information they want to play games they dont care and then they try to get you to talk to them on the phone so that she wont have your protection the normal protections when youre putting things in writing when youre disputing things in writing and what not. So they are definitely playing games and theyre trying to make sure that they can continue to play those games if they feel that someones ignorant to their games and dont have the knowledge that others might have when you start disputing items. Ill ask him via phone to remove that mess off of my report and of course I have voicemails from this representative from LEXIS-NEXIS stating that there was nothing they could do about it the insurance company is the one that report said that they have to be the one to send the information back or the request back saying it was an error and of course you can see the email from the representative from that insurance company state differently but I noticed that he put on there as you said or as you mentioned instead of you are absolutely right we do not have any information in our database on you but steal his statement about LEXIS-NEXIS having put the information in there suffices Just show you that they are not the ones responsible for putting the information and I have a voicemail from the XXXX the representative from LEXIS-NEXIS stating that that insurance company is the one is the blame for reporting the information to LEXIS-NEXIS so both of them are going back-and-forth shifting the blame and Im in the middle and its hurting my dad a report. And so they think that they can get away with this and I have made them know that if they dont remove that information now I will follow lawsuit I am not playing how dare you allow them to get away with this I beg of you do not allow them to get away with this because clearly theyre playing games like nobodys business and they dont care because theyre playing games and theyre what they want to push it to the max as much as they can get away with the wheel which is unscrupulous practices and unethical practices and I am ready if they dont remove this immediately to take them to court and sue them all. And I have made them aware of that but guess what they dont care they want to play this game they want to keep shifting the blame between one another between the two different companies and just imagine the other people that are going through this. Ill write a letter for them to remove items from my data report they remove one or two and then add stuff that should not have been there in the first please. So I ask of you, consumer financial protection bureau, to please ensure that you make them remove everything that Ive highlighted and all of that erroneous information that does not belong to me I am attaching the report now and the letter that I sent to them and I still have the voicemail from the representative from LEXIS-NEXIS blaming the insurance company for reporting the information and then they are putting information on my report that is outdated that was never ever there before not ever so how all of a sudden it got on my report so that tells you theyre using a computer I system to do this for them but if they dont stop this nonsense I am prepared to take them to court quickly. Please provide the assistance that I need to get these companies to stop reporting false information on my report outdated information on my report in accurate information on my report. Thank you. Please excuse any typos, using speech to text. XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Lexisnexis I want to first or foremost warn you that myself and XXXX are in legal Ligation aka lawsuit. You should not be interfering in any pending legal matters. Number one your violating a court order and legal matter! Number two your violating the FCRA for improper use of my credit report I have never asked you to conduct any investigation on behalf of myself XXXX XXXX or anyone I came to you directly and only you! I have reached out XXXX XXXX and their attorney after receiving notice of a change to the XXXX credit report! Awaiting their response! Lexisnexis If their attorney or them come back and make one mention of your name making any changes to the credit report I will be left with no choice but to bring legal action against you! This is unlawful and very unprofessional on your behalf! I have attached proof via the CFPB that you were the only one who did this and I demand you to remove the information from XXXX until after trial! Would be the right and best thing that you could do! Or face the serious consequences! I have also attached the letter that you sent via US mail stating that you contacted XXXX and this information will be used against you! I will always notify the courts and my attorney letting them know that a 3rd party vendor lexisnexis has interfered in a pending legal court Proceedings!
Company Response:
State: MN
Zip: 55311
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: In California residents are allowed to " globally opt-out '' of the LexisNexis consumer database ( XXXX ), however, in practice every single user who attempts to do so will receive an " Internal Server Error :500 ''. This is almost certainly intentional. I suggest that it be tested by other CA residents. I have two friends who live in different parts of California and they have received the same error. This database is intentionally anti-competitive and shouldn't be allowed.
Company Response:
State: CA
Zip: 90717
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: on XXXX XXXX issued My Investigation ResultXXXX stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from deputy clerk XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that XXXX sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like XXXX to remove this inaccurate information from my credit file IMMEDIATELY. XXXX is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. LexisNexis are also reporting the same. Please remove and delete
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A