Date Received: 2021-07-26
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: ( LEXIS NEXIS ) THIS IS MY 3RD ATTEMPT CONTACTING YOU.YOUR REPORTING INFORMATION THAT IS HARMING MY PERSONAL LIFE WHICH IS INVADING MY PRIVACY.YOU AND YOUR CORPORATION NEVER SENT ME A LETTER TO LET ME KNOW NOR HAVE I ( XXXX XXXX ) GAVE YOU CONSENT TO SHARE MY INFORMATION WHICH IS A VIOLATION 15 U.S. Code 6802.ALSO IT IS A VIOLATION OF 15 U.S. Code 1681 YOUR COMPANY DIDNT exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 USC 1681b a consumer reporting agency may furnish a consumer report under the following circumstances and no other To a person which it has reason to believe or In accordance with the written instructions of the consumer to whom it relates. You have 30days from when you received this letter to respond back if you do not respond I will be force to take actions for the said violations.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please remove all fraudulent bankruptcies 1. They stole the info and didn't have a permisseable purpose to report it. I Wrote the bankruptcy court requesting them to tell you if they reported it to bureaus, they did not, I did not consent to it pursuant to 1681b. ( 2 ) .. I want all of the bankruptcies removed ASAP
Company Response:
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX-I reached out to XXXX XXXX to verify the inaccuracy of bankruptcies listed on my consumer report and I have not received any documentation to date from them.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, 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: 371XX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LEXISNEXIS continues to violate my rights. I have submitted numerous letters and they refuse to abide by the LAW. Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ). Comment : These provisions are solely penal and create no private right of action. When any consumer files bankruptcy, the documents are under FEDERAL LAW not state law. A bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, buying, giving, or furnishing to others. The entity that reported the bankruptcy to LEXISNEXIS did not have written consent from the court or the individual to take the bankruptcy out of public records and use it for a different purpose. Whoever reported my bankruptcy committed a crime of identity theft. This is a notice to inform you that the bankruptcy on y credit profile is a violation of the Privacy Act of 1974. The purpose of the Privacy Act is to balance the governments need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies collection, maintenance, use, and disclosure of personal information about them. The Privacy Act focuses on four basic policy objectives : -To restrict disclosure of personally identifiable records maintained by agencies -To grant individuals increased rights of access to agency records maintained on them -To grant individuals the right to seek amendment of agency records maintained on them upon showing that the records are not accurate, relevant, timely, or complete -To establish a code of fair information practices which requires agencies to comply with statutory norms for collection, maintenance, and dissemination of records Privacy Act The Privacy Act of 1974 is a federal law that is set forth in Title 5, Section 552a, of the United States Code ( 5 U.S.C.552a ), as amended. Privacy Act The purpose of the Privacy Act is to balance the Governments need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy resulting from the collection, maintenance, use, and disclosure of personal information. In general, the Privacy Act focuses on four basic policy objectives : - To restrict disclosure of personally identifiable records maintained by agencies - To grant individuals increased rights of access to agency records maintained on them - To grant individuals the right to seek amendment of agency records maintained on them upon showing that the records are not accurate, relevant, timely, or complete - To establish a code of fair information practices which requires agencies to comply with statutory norms for collection, maintenance, and dissemination of records The Privacy Act applies only to U.S. citizens and aliens who are lawfully admitted for permanent residence in the United States. It applies only to personal information maintained by agencies in the Executive Branch of the Federal Government. System of Records Notices The Privacy Act pertains only to information that is maintained in a system of records, which the Act defines as a group of agency-controlled records from which information is retrieved by a unique identifier, such as an individuals name, date of birth, social security number, or employee identification number. The Privacy Act further defines a record as any individually identifiable set of information that an agency might maintain about a person. Such records may include a wide variety of personal information including, but not limited to, information about education, financial transactions, medical history, criminal history, or employment history. However, the Privacy Act explicitly states that agencies may not maintain information about how individuals exercise their First Amendment rights, unless maintenance of that information is specifically authorized by statute, by the individual about whom the record is maintained, or relates to a law enforcement activity.
Company Response:
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
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 have been requesting LexisNexis to delete a reported Bankruptcy since XX/XX/2021 due to inaccurate information being reported and it has yet to be corrected. According to the attached document, LexisNexis lists their source for the listed Bankruptcy as Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX. However, I have documentation that the United States Bankruptcy Court, District of Maryland does not report any information to the credit bureaus ( also attached ). They also do not verify or validate information from consumers ' credit files. So I would like to know who at the Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX LexisNexis verified this listed Bankruptcy with, their contact information and the date said Bankruptcy was verified. I will be filing a complaint with the Federal Trade Commission and also contacting a Consumer Protection Attorney.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: XX/XX/2021, I XXXX XXXX ordered a copy of my LexisNexis Consumer Disclosure File to see what was reporting on my file. When reading my Consumer Disclosure File from LexisNexis dated on XX/XX/2021, I noticed an item in the business association named XXXX XXXX which is associated with a person named XXXX XXXX. I have disputed this item at least twice and twice LexisNexis has violated the Fair Credit Reporting Act by re-inserting this item without notifying me within 5 days of reinserting the item. This has stop immediately or ill be forced to take legal action due to the re-insertion of this item back on my LexisNexis Consumer File.
Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My correct name is XXXX XXXX XXXX My correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, Ga XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. Sincerely, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. Thank you, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
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 have contacted lexis nexis several times about the Bankruptcy that appears on my credit report which some company use my information to filed bankruptcy in my name that can't be vertified by the court or creditors. Also XXXX, XXXX was order by the court to dispute or deleted these items off my credit report.
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A