Date Received: 2021-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I XXXX XXXX gave full permission and also include my id on this complaint XXXX Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, CA XXXX RE : My Credit Report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Enclosed are the following : x A copy of my credit report I received from your company. The fraudulent items are circled. x A copy of my Identity Theft Report and proof of my identity. x A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, Your Name Enclosures : Copy of Credit Report Identity Theft Report Proof of Identity FCRA 605B, 15 U.S.C. 1681c-2
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis is sharing my public information to several reporting agencies. I have dispute it with the agencies and they have not removed it as of now. I also mailed in a certified letter to LexisNexis requesting how did LexisNexis verify my bankruptcy? Where did LexisNexis get the information from?
Company Response:
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' Lexis Nexis is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate. Lexis Nexis has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.
Company Response:
State: KY
Zip: 41018
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I RECEIVED A LETTER OF DENIAL FOR A CREDIT CARD.ENCLOSED WAS 3 REPORTING AGENCIES PROVIDING THE CREDIT CARD COMPANY WITH INFORMATION WHICH RESULTED IN THE NEGATIVE DECISION.I CONTACTED 2 OF THE 3 AND SUCESSFULLY RECEIVED ASSURANCE OF MY REPORT BEING FORWARDED.XXXX TOTALLY AUTOMATED. " SELECTIVE HEARING '' TO MY ANSWERS.WRONG ANSWER IN THEIR OPINION SUCH AS WHERE I NOW LIVE SAME AS WHERE I RECEIVED LETTER OF DENIAL SAME AS OTHER 2 AGENCIES AKNOWLEDGED AND I WAS FORCED TO START OVER AND OVER IN A LOOP.I WAS TOLD TO CALL BACK WHEN I HAD CORRECT INFORMATION.I CONTACTED THEIR CUSTOMER SERVICE AND WAS GIVEN A THIRD TOLL FREE NUMBER TO SPEAK TO A " LIVE '' CSR.NOT SO.WORSE LOOP.NOTHING CORRECT, DRIVERS LICENSE BIRTH DATE SS NUMBER ALL '' WRONG '' AT SOME POINT.DEAD END.CANT REQUEST ANYTHING.LOCKED OUT.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Date of birth : XXXX RE : REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or all of the aspects of alleged account information documentarily to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting. To whom it might concern, NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIMS. This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The account ( s ) in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. Under the Fair Credit Reporting Act, 15 U.S.C.? S 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, if you are unable to provide me with a copy of the verifiable and irrefutable proof that you have on file for everyone even each any and or all of the adverse accounts listed below NO LATER than 30 days of receipt of this complaint challenging your compliance to true accurate and complete timely reporting then you must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSE WISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. I demand the following accounts be properly verified of Metro 2 COMPLIANCE, as REQUIRED! PROVE OR DELETE IMMEDIATELY! Name of ALLEGED Account : Alleged Account Number : Provide Physical Proof of Verification or Please DELETE IMMEDIATELY!! XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX Data Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : 0.00, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : 0.00, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly.EALL XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. Please provide me with a copy of an updated and corrected credit report showing these items removed. Thank You, XXXX XXXX
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with XXXX, XXXX, and LexisNexis stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. XXXX along with XXXX sent me a email stating the information was Valid! It will remain until XXXX.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
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: Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
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: Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.
Company Response:
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted LexisNexis regarding the Bankruptcy reporting on my credit report over 5 times. They have informed me that this information is accurate and it is not. This bankruptcy does not belong to me and is causing difficulty getting me approved for a home mortgage. 5 total times I mailed documents to Lexis Nexis disputing this information and it is still reporting on my credit report as this belongs to someone else. I have also contacted the Credit Bureaus regarding this as well as they have been the ones that reported this information because of LexisNexis as the data point. I have contacted the bankruptcy court that has supposably reporting this information by certified mail and asked why they have reported this information because I have never filed bankruptcy. They sent me back a letter stating that they don't report this information to the credit bureaus. This letter is attached to this complaint via PDF. The thing that puzzles me is if the Court themselves state they don't report this information why is this being reported in the first place. According to the Fair Credit Reporting Act this must be reported by the original creditor. The original Creditor is The United States Bankruptcy Court For The XXXX XXXX of Michigan. But according to the proof and letter attached from The XXXX XXXX XXXX XXXX XXXX XXXX, they don't report individual bankruptcy cases to the credit bureaus. Lexis Nexis is the company that has reported this information and it does not belong to me. This is why I am filing this complaint with the CFPB.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am XXXX XXXX. I am submitting this complaint for myself. I have been disputing a public record for several years. The agencies continued to send back a verified status on my reports. A bankruptcy has been showing on my reports stating verified with LEXISNEXIS. A letter to LexisNexis was sent certified mail/USPS on 9/20/21. The letter states that theyre in violation of my consumer rights according to U.S Code 1681a ( 4 ) - Consumers Right to privacy. This company hasnt verified any of my information to ensure its accuracy. Furnishing both personal or public information has been detrimental to my well being. As well as U.S.15 1681b ( a ) ( 2 ) -Permissible Purpose. LexisNexis never had my written consent to furnish any of my information. According to USPS tracking my letter has been received.
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A