Date Received: 2021-09-20
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: I checked my consumer report a while back and noticed a bankruptcy being reported. When I contacted the bureaus explaining my rights to privacy they sent a letter back stating the letter was verified and accurate. I contacted the bankruptcy court to find out if they gave my information to the credit reporting agencies, they stated they do not report any information to any of the agencies. I then noticed that the main bureaus received their information from LexisNexis so I sent a letter to them explaining how they are violating my rights as a consumer and I even pointed out the laws they violated. I never gave them permission to furnish anything on my consumer report so that violates 15 USC 1681b ( a ) ( 2 ). I have the right to privacy and they violated that law, 15 USC 1681 ( a ) ( 4 ) and they stated that the information was investigated and verified but who did they speak with? 15 USC 1681a ( e ) states that to conduct an investigation, they would have to speak to neighbors, friends and/or associates and if they spoke to them the information provided can not be factual. LexisNexis violated these laws, destroyed my moral character and lied. The information on my consumer report needs to be removed. In addition to everything mentioned above, I want and deserve remedy ASAP.
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF IDENTITYT THEFT
Company Response:
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Problem with a company's investigation into an existing issue
Subissue: Investigation took more than 30 days
Consumer Complaint: Earlier this year, it came to my attention that there were a myriad of inaccuracies on my LexisNexis 'Comprehensive Loss Underwriting Exchange ' ( XXXX ) Report. This report is used by credit agencies and insurance companies to assess the risk level of their customers. Due to these inaccuracies, I was being assigned a higher risk category whenever I applied for credit, loans, or insurance. I have also noticed that my car insurance rate ( and rates being offered by other companies ) was inflating to an astronomical level, despite not having any history of at-fault accidents or traffic violations. On XX/XX/XXXX, I notified LexisNexis of my dispute in writing. I was very detailed in my written dispute. The dispute was sent by USPS Certified Mail on or about XX/XX/2021. The enclosed USPS Certified Mail Receipt shows that LexisNexis received it on XX/XX/2021 at their po box in XXXX, Georgia. Per the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency has thirty ( 30 ) calendar days to process a written dispute. LexisNexis may either 1. ) verify the record as 'Accurate ', or 2. ) remove the record if it can not be verified. Accordingly, a response was due from LexisNexis on XX/XX/2021. As of today ( XX/XX/2021 ) no response has been received. Therefore, LexisNexis has missed their statutory deadline, and is now legally obligated to make the requested changes.
Company Response:
State: TX
Zip: 78541
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please remove ALL fraudulent accounts that are reflected on my personal credit reports, as I do not have any knowledge of these accounts. These fraudulent accounts are NOT accounts that have been authorized by me or any legal representative contracted by me. I have been a victim of several Data Breaches. The following listed accounts are accounts that are NOT accounts that belong to me and are fraudulently listed on my personal credit reports. The derogatory history and listing of these accounts on my credit reports have cause me grave financial damage and an irreparable financial hardship.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexis Nexis is reporting an unsafe driving violation when I did not even have a license. My insurance premium is now double because of this.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This third party, off brand reporting company called Lexis Nexis consumer center is in violation of interfering with disputed/investigation of reporting. During the investigation process it was determined removal of sabotaged tampered with accounts due to bankruptcy debt buying and resold debt, this Lexis Nexis company unlawfully and unfairly has the removed accounts resubmitted onto the credit report after they were to be removed. This company has never ever reported to my credit report and will NOT start now. I have become a victim of the worst kind of credit reporting and the company will face charges along with all other agencies involved.
Company Response:
State: OH
Zip: 44446
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Lexis Nexis consumer center XXXX XXXX XXXX XXXX GA. XXXX Violating decisions requested by CFPB. After investigating XXXX removed records from my credit report however accepted reporting of those exact records from this Lexis Nexis company. It have NEVER been known to have posted reports furnished and provided from other companies. This Lexis Nexis has absolutely no legal rights to post ANYTHING on ANY of my three consumer reports at any agency. XXXX, XXXX nor XXXX XXXX. This company is violating my rights to fair reporting. If it has been determined for legitimate legal reasons to remove any information due to fraud, thief or any other unlawful unfair reason, no company has the right to disregard that reason. Under no circumstances. This Lexis Nexis company is absolutely not to be trusted by aggressively reporting information when it hasnt been requested and therefore I demand Lexis Nexis immediately remove and permanently delete the information they are furnishing and supplying to others. Lexis Nexis consumer center has illegally furnished this information for reasons other than obtaining credit. You have used the information for malicious reasons and will be presented to the courts along with all the other incriminating evidence and will be held liable for damages. Accessed my credit report without my permission! I did NOT request nor give permission for this company to access my report!
Company Response:
State: OH
Zip: 44446
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Lexis Nexis i have already opt out and did a credit freeze but most importantly Bankruptcy do not report a bankruptcy therefore they have to delete this off my report
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A