Date Received: 2021-08-17
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: Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the courthouse where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Company Response:
State: MS
Zip: 39046
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ). On XX/XX/XXXX LexisNexis received via certified mail ( TRACKING NUMBER # XXXX ) an Affidavit of Truth along with Exhibits of proof of multiple violations. LexisNexis has committed identity theft and fraud as I never gave LexisNexis permission to produce any consumer report. On XX/XX/2021 I received an email from XXXX, XXXX ( RIS-ATL ) XXXX. XXXX asked for my credit card information to authenticate me. I responded to XXXX asking her to state what law under the FCRA requires me to provide any of this information. XXXX sent this email saying they could not authenticate me but provided identifiable information within the email that could cause another form of identity theft. XXXX also failed to respond to the email that she sent directly to me. LexisNexis is now in default as they have failed to respond to the notarized Affidavit. LexisNexis has also failed to pay the attached invoice. There is now a late fee associated with the invoice. I wish to settle this amicably but will not hesitate to go public or move to the next step to obtain my remedy. LexisNexis was also given a direct phone number to contact me. As of XX/XX/2021 I have spoken with XXXX at the LexisNexis XXXX CST who advised that the case would be submitted stating I XXXX XXXX have been authenticated.
Company Response:
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I notified LexisNexis that they illegally obtained and furnished data to XXXX in regards to a bankruptcy. This information is inaccurate and false and needs to be removed immediately!!!! I spoke with Agent XXXX about this matter and she acknowledged on a recorded line that the bankruptcy information was inaccurate and needed to be removed! She supplied me with case number XXXX to follow up with my dispute and removal of the falsely reported information. The bankruptcy courts do not report to credit reporting agencies and have provided information via an online statement that says that they are not a data furnisher!!! This is a clear violation of 15 usc 1692e!!!! This also violates 15 usc 1692d and 15 usc 1692g!!!! LexisNexis is civilly liable to pay XXXX per violation according to 15 usc 1692k!
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2021, I sent out paperwork to Lexis Nexis asking them to validate how and where they received information on a bankruptcy that they are reporting on my credit report.They have not sent me anything In writing as to how they validated this information they are reporting on my credit report. And the federal law requires them to respond within a 30 day window, and they are sending out consumer reports and not what I am asking for. I reached out to you guys before on another matter and to know avail. I really hope we can reach a resolution on this matter. I am only coming here because I was told this is what you guys are here for. And if they received this information thru E-OSCAR it is not legit and they will not explain to me where they are receiving it from as a consumer I have a right to know how they retrieved it.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
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 am distressed and constantly have anxiety attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. 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 ), they 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 their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexis Nexus for years now has been giving insurance companies inaccurate information causing my premiums to go up They have already done this before telling people a not at fault accident was my fault in the past. Now they have changed a speeding ticket from XX/XX/XXXX to XXXX so they can keep it on my record and my insurance went up XXXX dollars because of their lies I cant actually get ahold of a human being about it there either Everything is automated and we will have someone get back with you in 7 days
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-15
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXXXXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
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 have been disputing with Lexis Nexis since XX/XX/2021. Lexis Nexis is reporting an unverified Bankruptcy on my credit report and their 3rd party system. Per the courts, they do not furnish public records. I have attached the letter sent by the courts to validate my proof of dispute. Per 15 U.S Code 1681 ( b ), I did not provide written instructions to furnish my credit report, cease and desist all collections and reporting activities.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have sent two letters ( certified mail ) to Lexis Nexis disputing numerous inaccuracies on my LN report, They have failed to respond both times. There is inaccurate information they're reporting that is hurting my credit, and my car insurance is double what it was before they started reporting inaccurate information. These people must be held responsible for what they're doing to consumers by reporting inaccurate information. Here is the tracking numbers for both dispute letters I have sent. Please see to it that they're made aware that they are in violation for the FCRA and I need them to stop reporting inaccurate information. Thank you XXXX. XX/XX/2021 Tracking USPS : XXXX XXXX. XX/XX/2021 Tracking USPS : XXXX
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A