Date Received: 2021-11-04
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have reached out to LexisNexis Several times and also had my attorny send them notice about an alleged bankruptcy reporting on my file. Ive asked them multiple times for proof and they have none with is a FCRA violation.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I recently attempted to purchase new car insurance and was notified of an adverse claim record being reported by LexisNexisXXXX. Ive emailed and called XXXX to discuss the inaccurate claim history, however the rep will not share any information after identifying myself and will not update their record.
Company Response:
State: IL
Zip: 60110
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I like to file a complaint against XXXX XXXX for reporting inaccurate information on my consumer reporting file. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit files I was told " XXXX XXXX has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part you perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have had extremely high quotes for auto insurance which led me to obtain the LEXISNEXIS report. This company has been informed that the mailing addresses and incidents filed under my auto record is incorrect. This record continues to reflect false driving record details and the incorrect addresses!
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. I have demanded that they remove all my information from their databases immediately. I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. I have demanded that they remove all my information from their databases immediately. I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have sent 2 dispute letters over to Lexis Nexis to have them remove a bankruptcy from my report and they have not responded and have completely ignored my request to do so.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Debt was discharged in bankruptcy and is still impacting my consumer report negatively. I wrote the U.S. Bankruptcy courts in Illinois and Indiana and both informed me that they DO NOT provide any information to ANY reporting agency. I've also contacted Lexis/Nexis informing them of the violations under 15 USC 1681 . Please remove and/or delete these bankruptcies from my consumer report for they are a defamation to my character and preventing me to live life as a consumer of the United States XXXX
Company Response:
State: IN
Zip: 46806
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A