Date Received: 2021-11-29
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: I sent a follow up on a previous dispute for a dismissed bankruptcy thats was part of a fraudulent dispute with XXXX. LexisNexis had removed the Bankruptcy from my credit file XX/XX/XXXX case number XXXX. LexisNexis sent me paperwork showing the Bankruptcy was removed from their data base. I sent that letter to XXXX showing they had deleted and removed it. According to XXXX after receiving the letter I mailed to them certified showing the deletion. They did a re-investigation and sent me back the results. Saying they certified that LexisNexis is still reporting the Bankruptcy exist. So I called LexisNexis on XX/XX/XXXX and the representative at LexisNexis pulled up my file and emphatically said there nothing in the file showing a Bankruptcy in their data base. Under The FCRA stated on LexisNexis paperwork they sent to me XX/XX/XXXX case XXXX. It states you have the right to : REQUEST THAT LEXISNEXIS FURNISH NOTIFICATION OF THE DELETION OF DISPUTED INFORMATION OR A DISPUTE STATEMENT TO ANY PERSON SPECIFICALLY DESIGNATED BY YOU WHI HAS RECEIVED A LEXISNEXIS CONSUMER REPORT FOR EMPLOYMENT PURPOSES WITHIN THE PAST TWO YESRS, OR RECEIVED A LEXISNEXIS CONSUMER REPORT FOR ANY ORHER PURPOSE IN THE PAST XXXX MONTHS. So I sent LexisNexis a letter asking them to furnish XXXX notification that the bankruptcy was deleted and removed from their data based along with any other company that has requested a report or verification of this deleted Bankruptcy. The rep told me they dont do that. They have no way of sending a report to anyone showing it was removed. This is a violation under the Fair Credit Reporting Act. They are not honoring their own policy regarding what they state on there paperwork. Which I highlighted clear as day on the paperwork they sent me. XXXX and LexisNexis are breaking the law, and are violating my rights. I am enclosing the letter I sent to LexisNexis requesting they inform XXXX and any other company requesting my information of the deletion. Also the letter they sent me saying the Bankruptcy was dismissed. I will also be filing a complaint with the FTC and the Attorney General Office and the XXXX. Letting them know that LexisNexis and XXXX are not following there own policy under the FCRA. Last but not least I was on the phone with experian on XX/XX/XXXX for XXXX minutes with the fraud department. Their representative told me even though they had the letter I sent them from LexisNexis stating the bankruptcy was removed. They were not honoring it. After another re-investigation, they certified that they have verified with LexisNexis that it still exist in their data base.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XXXX XXXX 2021. In XXXX someone surrendered my XXXX license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and XXXX will not update my information. Even according to XXXX my information is everywhere. My name should read as follows XXXX XXXX XXXX my name is not XXXX XXXX.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have reached out to Lexis Nexis via mail and Portal complaint. I thank Lexis Nexis for responding via CFPB complaint because not only have you violated me personally through selling my personal information you had no authority/authorization/Consent in selling, but you have also violated me publicly as well. Via phone for the date XXXX you stated, that you spoke with me and resolved this matter. False and misleading because I never spoke with anyone from Lexis Nexis. Your records will be subpoenaed for that date to prove how corrupt your company is. The email you state you sent but did not receive a response of identification verification from me, shows all my documents replied through successfully. My documents included drivers license, current utility bill and social security card. Lexis Nexis entire response and reporting is predatory, even with federal laws in place they still take the chance to violate consumers rights.
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
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: Lexis Nexis is reporting inaccurate bankruptcy on my credit report I have been trying to see how this how verified this because this information this not match my records and under section 168 of the FCRA they are suppose to verify all information that is being reported incorrect in 30 day or remove it from my report they have not done either one and I need all inaccurate information removed
Company Response:
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report involving Lexis Nexis. It has been over 30 days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my lexis nexis/credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the XXXX data breach and may have got into the hands of the wrong person.
Company Response:
State: TX
Zip: 76712
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: XX/XX/2021, I wrote to LexisNexis to request all information they have about me. I got a letter in return, with my name spelled incorrectly, that stated " we are unable to authenticate your identity and therefore can not process your request ''. XX/XX/2021, I wrote to LexisNexis, again requesting all information they have about me and included a photocopy of both my USA passport and Alaska drivers license. I got a letter in return, that again stated " we are unable to authenticate your identity and therefore can not process your request ''. This letter has two numbers listed : consumer number XXXX, and case number XXXX. XX/XX/2021, I called the number listed for LexisNexis : XXXX. I was asked for my date of birth. I asked the person that asked me for my date of birth if she was currently in the USA. She said no, but there was an office in XXXX. I asked if she was a citizen of the USA. She said no. So here are the problems : This company, LexisNexis : 1 ) is fishing for all of my personal information that it does not yet have 2 ) is employing non USA citizens and entrusting them with my personal information 3 ) will not give me, despite multiple requests, the information they have about me This looks like a big scam to me.
Company Response:
State: AK
Zip: 996XX
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
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 wrote UNITED STATES XXXX XXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to XXXX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. CASE NUMBER # XXXX
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
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: Writing to dispute fraudulent debts appearing on my credit report. I was a part of several XXXX data breaches and my phone number and personal information was sold to third parties via XXXX XXXX XXXX. Via the monitoring service, I was notified that my information had been sold to the dark web back in XX/XX/XXXX and my information was being used fraudulently, which explained the errors appearing on accounts reporting to the bureaus. I also was given an anonymous tip from a military contractor, that contractor XXXX XXXX XXXX, XXXX, DOB XXXX, address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been stalking me for 15 years and sold my information. This is not the first time, back in XXXX, XXXX charged thousands on my credit cards to bring harm to my independence this person likes control and is a XXXX XXXX. Unfortunately, we are in a national security crisis and criminals are hurting people during this time. Creditors randomly and without notification, closed accounts see attached. I am a victim of identity theft. Please investigate this Fair Credit Billing issue and correct the fraud as soon as possible. Unaware and unable to avoid the charge card fraud and now as a XXXX Veteran with children ; I am unable to get stable housing nor obtain a vehicle to drive to my doctor 's appointments. Followed me and my childrens lives are still in danger. Internet services were hacked, and I had to pay XXXX to provide me with cyberattack services. Phone lines hacked had to pay hundreds to XXXX XXXX XXXX to protect myself and my children only to find out later XXXX XXXX XXXX was selling my information without my knowledge to unknown third parties. The following accounts were impacted by the fraud. XXXX, XXXX, XXXX. These creditors suddenly lowered the credit limits and closed accounts without notification. In addition, the accounts incurred fraudulent charges and were also marked money laundering and fraud. In addition, I filed reports with the USPS inspector general as my mail was stolen containing credit reports and bank statements. Filed reports with the IRS, FTC, California Attorney General, and several other federal agencies notifying them I am a victim of identity theft. Now, I am writing to request that you block the following fraudulent information in my file and conduct a full investigation. For example, XXXX XXXX XXXX is reporting a lot of inaccurate information. After I filed a complaint with the Attorney General due to deceptive practices ; XXXX closed the account ; with a date of last activity- XX/XX/XXXX ; and a charge-off date of XX/XX/XXXX. However XXXX reported to the bureaus there was still activity throughout XXXX and XXXX who is using the closed, charged off account? For years, XXXX has willfully reported, inaccurate, misleading information, and at this point- it needs deletion. My information was compromised and used in XXXX, XXXX, XXXX. I was a part of two data breaches with XXXX which I never was compensated for damages. Also, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California Department of Child Support, XXXX, to name a few. My information was also hacked via USPS and my mail was stolen several times to include my XXXX information. I filed reports with the USPS inspector general. I got notification of a data breach with Veteran Affairs as a hacker was trying to get my benefits information and medical data violation of my legal rights. XXXX contacted me and told me my account was compromised and sent me a check for damages however the fraud account still appears on my history with the CRAs. XXXX sold me a debt protection plan and I spent hundreds of dollars for the plan. After the fraud happened, XXXX closed the account, charged off the account under the debt protection plan, filed an insurance claim, took a tax write off - then sold the account not honoring the debt protection service I paid for.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: My car insurance company informed me that it will add an additional driver to my car insurance. They insist that LexisNexis reported to them that there is a new member of our household. There is none and there never was such a person. It is just myself and my wife ( both retired ) sharing XXXX car and residing alone at this address for XXXX years. After several days of back and forth with my insurance agent I was advised to deal with LexisNexis directly. How do I prove a non-existence of someone, he did not know. I can send you all the supporting information in the PDF form if you provide e-mail address to send it to.
Company Response:
State: NJ
Zip: 08757
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Last several months, I have sent in complaints because XXXX is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.
Company Response:
State: CA
Zip: 92844
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A