Date Received: 2021-09-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: lexis nexus is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ). it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.
Company Response:
State: MO
Zip: 654XX
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am in disagreement with the items listed below which still appear on my lexis nexis credit report. I would like these items immediately deleted. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. i have also attached screenshot evidence which highlights all the records that need to be deleted immediately. in addition i have attached my complete lexis nexis credit report which was sent to me. ( SECTION 1 : IDENTIFICATION RECORDS ; LexID XXXX ; RECORD 1, RECORD 2, RECORD 3, RECORDS 4, RECORD 5, RECORD 6, RECORD 7, RECORDS 8, RECORD 9, RECORDS 10, RECORDS 11, RECORDS 12, RECORD 13, RECORD 14, RECORD 15, RECORD 16, RECORD 17, RECORD 18, RECORD 21, RECORD 22, RECORD 23, RECORD 24, RECORD 25, RECORD 26, RECORD 27, RECORD 28, RECORD 29, RECORD 30, RECORD 31, RECORD 34, RECORD 35, RECORD 36, RECORD 37 )
Company Response:
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have some issues also with unrecognized addresses on my credit file Please delete the following addresses : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX I would like a full copy of my credit file.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I sent a formal complaint to Lexis Nexis that they were reporting inaccurate and incomplete information on my consumer report. I am a victim of identity theft and I disputed certain information in my file resulting from the crime. I, in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX, XXXX, and XXXX onXX/XX/XXXX. REASONS : 1. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you, Lexis Nexis are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. The Congress has also stated that you XXXX, XXXX and XXXX are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of XXXX ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, Lexis Nexis are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; 6. Pursuant to 15 U.S. Code 1681a ( d ) the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness ; 7. Take further notice that Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) you Lexis Nexis are in violation of this law as it clearly states that any report containing information solely as to transactions or experiences between the consumer and the person making the report which in this case is you XXXX, XXXX and XXXX is excluded from the consumers report ; 8. Notice that you XXXX, XXXX, and XXXX are also in violation of 15 U.S. Code 1681a ( 2 ) ( B ) which states any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card. You are reporting multiple accounts on my consumer report in direct violation of this Code ; 9. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; 10. Take further notice that Pursuant to this same mentioned code stated above 15 U.S. Code 1681a ( e ) there shall not be any specific factual information on a consumers credit record obtained directly from a creditor as the term creditor means the same as it does in 15 U.S. Code 1691a ( e ) which states that the term creditor means any person who regularly extends credit which in this case that would be me a consumer ; 11. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates ; Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method. DEMAND FOR IMMEDIATE REMOVAL PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : GEORGIA XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX Account Name/Number : DEPT OF ED/XXXX XXXX If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. The term credit card has the same meaning as in section XXXX of this title. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Lexis nexis has several inaccurate and fraudulent accounts on my credit report. Ill list them below : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, and several student loans from an address I never lived at. This is influencing the credit bureaus to give me a negative credit rating and I need this removed.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
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: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Company Response:
State: RI
Zip: 02914
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
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: My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. This is my second and final request for LexisNexis to investigate and remove derogatory accounts/items from my consumer report. This complaint is in response to the consumer report you mailed to me on XX/XX/2021 that showed no changes to my consumer report nor did you provide any of the documentation I requested. I have attached a copy of the original letter that I sent as well. I am urging you to comply with the following Federal Credit Reporting Act regulations/violations that you have committed : FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Violations 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable investigation into disputed information 611 ( a ) ( 7 ) Failure to provide the method of verification and description of reinvestigation procedure as required in ( 6 ) ( B ) ( iii ) 611 ( a ) ( 5 ) ( A ) ( i ) Failure to delete unverified information The unverified accounts are listed below : XXXX XXXX XXXX ( ACCT. NO : XXXX ) XXXX ( ACCT. NO : XXXX ) XXXX ( ACCT. NO : XXXX ) XXXX XXXX XXXX ACCT. NO : XXXX ) As of XXXX, XXXX XXXX, LEXISNEXIS has never provided me with documented proof of a thorough investigation conducted into the items in question that are listed on my credit report ; nor have they provided me with verifiable proof of any documentation bearing my signature that I have requested multiple times. Such willful negligence is a direct violation of : FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Violation 609 ( a ) ( 1 ) ( A ) Failure to clearly and accurately disclose to the consumer proof of original contract verifying account in consumer 's name I have only, to this day, received transcripts of communication between LEXISNEXIS and the creditors listed through their E-OSCAR system, using ACDV forms ( a common practice with consumer data agencies ), which automatically yields the disputed accounts as verified. If I am remiss, I immediately demand the following : Transcripts of human communication between LEXISNEXIS and each creditor listed, in which they can provide proof that the actual dispute letters were sent to the creditors, ( and not automatically ran through their E-OSCAR system generating a pre-populated code onto an ACDV form and read to the creditor ) ; yet a common practice with CRAs. Communication responses from the creditor each time an actual dispute letter was sent to them and their actual written and documented response, which XXXX should have in their record The documentation that LEXISNEXIS should have on file in regards to the creditors alleged attempts to contact me in regards to : FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : and in regards to the actual dispute letters that the creditors should have received and investigated and henceforth notified me via mail of such investigation while also notifying LEXISNEXIS ; seemingly, if no actual hardcopy dispute letters were sent and received by the creditors, then LEXISNEXIS has never actually conducted an actual investigation with the four creditors listed in regards to FCRA 611 ( a ) ( 1 ) ( A ) Dates, and times of the actual human to human interaction in which LEXISNEXIS should have in their records I am beyond the statute of limitation time frame to seek compensatory damages in regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Filing suit in small claims court is simply something I do not want to do as LEXISNEXIS can easily solve this matter by removing these accounts from my consumer report. At this point, this is strictly a legal issue, as no other governing body, including the Consumer Finance Protection Bureau, can make a ruling on this matter. I have exhausted all of my resources as only the local court system can articulate and ultimately decide whether or not my rights were violated and whether or not I am owed compensatory damages. THIS IS MY FINAL ATTEMPT TO MANDATE THE DELETION OF THESE FOUR UNVERIFIED ITEMS.
Company Response:
State: NE
Zip: 68502
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I recently filed a complaint against XXXX regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by LexisNexis Risk solution. I provided a letter from LexisNexis stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called XXXX and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a LexisNexis Rep that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with XXXX I asked if they could call and confirm with LexisNexis with me on the phone. I was told no and hung up on. It seems as if XXXX is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my LexisNexis profile ( your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I applied for a personal loan online with XXXX, XXXX on XXXX XXXX I was denied the loan stating I had several judgement, IRS tax liens and three garnishments against me using XXXX. I stated to her that was not to and inaccurate information. Mrs. XXXX ( loan officer at XXXX XXXX ) stated this was true from their background check with Lexia Nexis Company Full Disclosure, located in XXXX XXXX XXXX, XXXX GA XXXX. I contact the company on XX/XX/2021. I was asked a series of questions to identify me in there system. I spoke to operator XXXX and he also stated that I had several judgement, IRS tax liens and XXXX garnishments against me. I asked him did they have the correct spelling to my name XXXX XXXX. He stated yes, once again I stated to him this is incorrect. I contact all three credit companies and asked for and annual credit report since I have never received on in the past. I also contact by business attorney who is handling my business affairs as well. We both in returned contact the City of XXXXXXXX Courts, department of Taxation. Spoke with all parties and went over my credit report history. Nothing is showing with this information, I am current with all my open account no judgement, garnishment or tax liens. I contact the loan officer back and discovered I was being turned down due to my XXXX background. I am a XXXX business owner, asking for a start up investment.
Company Response:
State: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: unauthorized used of my consumer report and fraudulent use I have contacted my local bankruptcy court and they have notified me in writing that they DO NOT report bankruptcy to credit reporting agencies or Lexis Nexis. Lexis Nexis has advised they received this information from my Bankruptcy Court please read notification from my local bankruptcy court stating that is false.
Company Response:
State: FL
Zip: 32221
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A