Date Received: 2021-10-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: One of the Credit bureaus combined my info with another person with the same first name and our Social Security number was different by only one number. It took me approx 8mo.to clear it up or sort of clear it up. XXXX XXXX is now reporting the same thing. My car insurance tripled and I do not have any accidents or tickets. These Bureus that keep track of our information and share it with companies should be held accountable for mistakes. This is insane XXXX a month for car insurance. I have been on the phone with LexisNexis now for XXXX and have not gotten anything fixed or verified yet.
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
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: I have several complaints against the bureau has previously contacted you on your fax machines are non-functioning including your owbudsman. All bureaus listed have had refused all requests with auto responses for the past 10 years I am currently being extorted due to my credit due to the way the bureau 's have mistreated me and a lot of other companies to extort me over Dad 's I'm not legally obligated to pay or not in full dispute because they refuse to do what is right by the consumer and what is legal.
Company Response:
State: MO
Zip: 654XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: RE : 2018 Bankruptcy Case # : XXXX I am writing to dispute the following bankruptcy information in my file. Please remove my 2018 discharged bankruptcy information from my credit report. This is a direct violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy, and 15 usc 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates. Please delete now.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
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 sent in my police report and my notarized affidavit to the three credit bureaus and LexiNexis I received paper work from LexiNexis showing they have deleted the fraudulent account XXXX keeps sending me results saying the Company verified this fraudulent account when that is not true the company Lexis Nexis provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my Lexis Nexis file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to Los Angeles police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information XXXX is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.
Company Response:
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexisnexis, XXXX, XXXX, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that lexisnexis receive information from a third party verification system known as a XXXX XXXX and then sells this information to other collection agencies. The XXXXXXXX XXXX is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am filing a complaint against XXXX regarding an inaccurate credit reporting on my XXXX Credit Report. They are reporting a bankruptcy which was reported to them by LexisNexis. This was totally wrong and I contacted LexisNexis right away to get this corrected. As of XX/XX/2021 LexisNexis deleted this inaccurate bankruptcy from my records. After this was deleted I immediatley contacted XXXX and informed them that this bankruptcy was deleted by LexisNexis and that I want it now removed from my XXXX report as this was corrected by the data furnisher. XXXX AGAIN verified this fraudulent bankruptcy as accurate. This is my final complaint regarding this same issue before I file a lawsuit against XXXX for violations of the fair credit reporting act. I need this bankruptcy number XXXX to be deleted from my XXXX credit report.
Company Response:
State: MI
Zip: 48316
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
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/XXXX I mailed a letter via USPS to Lexis Nexis who is located in XXXX, GA disputing the bankruptcies that are listed on my credit report and also Lexis Nexis report. See the letter attached in the file below. On XX/XX/XXXX, I received a letter from Lexis Nexis stating that the bankruptcy case # XXXX have been removed from my Lexis Nexis report as they were unable to verify the accuracy of the bankruptcy they have listed. Also bankruptcy case # XXXX was also removed from the verified reports. I have attached all letters responding to all of the conversations. I have then proceed to call Lexis Nexis AGAIN in regards to the bankruptcies not removed from my unverified report. Lexis Nexis stated to me that they had 45-60 days to investigate my dispute via company policy. As of XX/XX/XXXX, I was notified that the dispute came back as verified. Verified through where? Lexis Nexis will not state the source of the investigation. According to their own company policy they have 45-60 days to investigate the dispute, which would mean by XX/XX/XXXX would be the deadline to receive a response NOT XX/XX/XXXX. I was told that if the item is not verified by the 45-60 day timeframe it would be deleted. Lexis Nexis refuses to delete this item off of my report. They now state that they have an additional 45-60 days to investigate again. WHAT? We are already past the deadline they have via their company policy. This item is to be deleted. The courthouse does NOT release public information to 3rd party companies and Lexis Nexis can not verify this through their " source '' without my full social security number which the courthouse does not have nor any other source including XXXX. According to XXXX XXXX website they do not have full social security numbers listed anywhere in or on their website and the courthouse does NOT RELEASE information to 3rd party companies which would include Lexis Nexis. How is this item being verified? It's not. It's unverifiable and needs to be deleted immediately.
Company Response:
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I checked my LexisNexis consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. I did not give any written consent to LexisNexis to publish these. I believe thats a violation of my consumer privacy. I sent LexisNexis a certified letter on XXXX2021 asking them to remove the bank bankruptcies. I sent a certified affidavit on XXXX2021 showing LexisNexis all the consumer rights that they have violated since I am a consumer. 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexis nexis, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Company Response:
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A