Date Received: 2021-06-15
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis.
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: on or about XXXX of XXXX i started shopping around for auto insurance quotes. although i am happy with my current insurer i was just looking around. i was declined by several insurance companies for accidents on my clue report. apparently there is a bodily injury accident among others reported by XXXX XXXX XXXX for a XXXX XXXX XXXX on XXXX XXXX in missouri a totally different person, drivers license, etc. XXXX XXXX XXXX referred to me to lexis nexis, whom i contacted initially on XX/XX/XXXX and filed a dispute. i have been told several stories from representatives, the recent one on XX/XX/XXXX where the rep stated that that the information could not be deleted until the insurance company responds. yet another representative advised me that if they dont hear from the insurance that the dispute would be ruled in my favor. different rep from lexis nexis and i get a different story. I have never been insured with XXXX XXXX XXXX, i never lived in missouri nor did i have any accident with anyone on XX/XX/XXXX or XX/XX/XXXX. i keep getting the run around by lexis nexis and the possibility of incorrect information on my clue report places my insurance and premiums in peril. i also sent a written coppy of my dispute on XX/XX/XXXX 2021
Company Response:
State: NY
Zip: 12144
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XXXX XXXX the company Lexis Nexis risk solution advised a potential creditor that I have an eviction and lien on my record. I have no record of that on any of my other credit reports. I have never been evicted from any of my past rental homes. Please help me! I am afraid to apply for anything because if this. I am trying yo repair my credit since s job loss in XXXX. Thankyou for your attention in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX
Company Response:
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
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 am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to lexis nexis as well telling them that they are in violation of my rights as well and sent letters to lexis nexis to fix this. Certified as well and was received by lexis nexis on XXXX XX/XX/2021.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The folks at LexisNexis have incorrectly shared with my insurance company that I had an accident in XXXX of 2018. I have not had any accidents. I have gone through this with them multiple times when I have changed insurance carriers. They claim they will fix it, but never do. The accident belongs to my son who has the exact same name.
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm writing this complaint on XXXX, XXXX, XXXX and Lexis Nexus, I have spoke the Bankruptcy courts and they have stated that they do not provide information to any of the credit reporting agencies meaning there shouldn't be anything on my credit reports, they have also stated the these uninterested 3rd parties such as XXXX XXXX XXXX and Lexis Nexus access the courts data base through a public access portal called PACER to REVIEW information they did not say to REPORT information, since the courts are not responsible for the misuse of any information gathered as the consumer of the United States Corporation in going to take matter into my own hands. This is where the violations come into play. These uninterested 3rd parties I have mentioned are in violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS RIGHT TO PRIVACY. Nobody asked these reporting agencies to report anything they went out of their way to harm my reputation. They are also in violation of 15 USC 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Every account that was included in the bankruptcy was an authorization of an approval of an extension of credit indirectly from my credit card. There is no need to validate this, I know im the original creditor I can only validate.
Company Response:
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Lexis Nexis is in violation of my consumer rights. Lexis Nexis has taken information from the PACER system and sold that information to other reporting agencies. Lexis Nexis is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter. Lexis Nexis is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character. I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law. Lexis Nexis is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX never gave Lexis Nexis any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws. Lastly, Lexis Nexis has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is XXXX XXXX and i am trying to figure out how this company Lexis Nexis is able to violate my right to privacy by sharing private information to companies like XXXX, XXXX and XXXX. I contacted the courts and they stated that they don't report my information to any third parties. So how are they able to report it? I DID NOT GIVE THEM PERMISSION TO REPORT THIS. They are in violation of united states code 15 sec 1681 ( a ) ( 4 ) and they are causing me stress and hurting my credit.
Company Response:
State: MO
Zip: 645XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A