Date Received: 2021-06-07
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 court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Dear Sir, Madam, I have been using an XXXX XXXX XXXX credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. After complaining in XXXX to the XXXX and XXXX among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX XXXX account for exemple. XXXX XXXX, in their refusal explanation letter ( Adverse Action Letter attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX and LexisNexis. I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as XXXX XXXX is winding down its retail market to close by end of this year they said in a letter. Thanks for your assistance in this issue. XXXX XXXX.
Company Response:
State: NY
Zip: 11552
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Lexis Nexis illegally obtained my personal information from a 3rd party source ( XXXX ) WITHOUT MY WRITTEN CONSENT. Lexis nexus in the letter told me that my bankruptcy is public record, but that is a lie pursuant 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, which states I THE CONSUMERn decides what is private to me, and I DEEM THIS bankruptcy to be a very private matter. I feel very violated because I never gave XXXX written permission to share my information with anybody so they violated Under 15 U.S Code 1681b permissible purposes of consumer reports because I never gave you any written consent to report anything on my consumer report no consent is identity theft. I wrote a letter the the bankruptcy court and they told me that they never shared my information with the credit Bureaus and lexis nexus is blaming it on XXXX. either way it goes, they all broke the FCRA LAWS when they shared my information illegally. under FDCPA 807 misleading false reporting you can not legally report this private bankruptcy to the credit Bureaus.please remove it asap.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
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! I pull my credit reports and notice bankruptcies on my credit report. I reach out to all three credit bureaus asking for method of verification. I received notice that their verification came from LexisNexis. I sent LexisNexis 2 letters certified mail asking them where did they get their verification from. They have not sent me letters regrading this matter. I sent one in XXXX and another one in XXXX. It has being well over 15 days without a respond regrading my investigation. I have also attached my letter and certified receipt.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX Corporate Headquarters : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX REGISTERED TRADE NAME PROPERTY NOTICE TO CEASE AND DESIST From : XXXX XXXX XXXX DBA XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX XXXX ] Date : XX/XX/2021 Re : Registered Certificate of Assumed Name XXXX county Superior Court No. XXXX and Registered Trade Name with Minnesota Secretary of State File No. XXXX. DC Corporations Division : XXXX XXXX, The trade name XXXX XXXX XXXX, et alia ( TN ) is registered property of XXXX XXXX XXXX. It has come to my attention you are in direct violation of infringement on my property. The infringing actions include the following : Misappropriation of the TN on credit bureau reports.Take notice, I have the right to protect, limit the use, protect my good will, reputation and commercial affairs and the use of my property. You are in a trespass on my TN NOTICE OF PENALTY FOR UNAUTHORIZED USE XXXX XXXX XXXX united states dollars penalty for each unauthorized use of the TN or any derivative or variation thereof is your agreement to pay me per unauthorized use. These terms are due and payable in net seven ( 7 ) days. Authorized use requires prior express written permission from the undersigned owner of the TN or any derivative thereof. IT IS REQUIRED THAT YOU : Remove all TN references from credit bureau agencies at once You have ten days ( 10 ) to comply with the above request. I remind you that this letter serves as a pre-suit notice for a lawsuit against you and failing to correct will likely make you liable for any damages the court determines I have suffered as a result of your infringement ( s ) including any reasonable attorneys fees. It is in our best interest to have this issue settled outside any federal or state court.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I checked my credit report and noticed inaccurate information in my Public section. I have I asked Lexis Nexis how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( Lexis and XXXX XXXX had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why Lexis and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed Lexis and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties Lexis and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Company Response:
State: MO
Zip: 64801
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have disputed this fradulent public record numerous times with the credit bureaus. XXXX and XXXX refuse to remove this incorrect information from my credit report, XXXX has done so already after properly investigating and proving it does not belong to me.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
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 court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A