Date Received: 2021-05-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I want to contact someone at your company to let you know that I mailed a letter to XXXX XXXX XXXX, XXXX, XXXX, and Lexis Nexis about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: RE : You violated the United States Code Law Hello, I am deeply distraught to find out that you have shared my personal information about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX ) with the credit Bureaus ( XXXX XXXX XXXX ). If the credit Bureaus did not obtain this information from you, then I request that you send me a letter stating that you did not share my information with the credit bureaus, and that they did not find out about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX XXXX from your company. If you shared my information, that is a violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. Also Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Criminally you are in violation of 18 U.S. Code 1028A - Aggravated identity theft, because you repeatedly share my information with new creditors. This punishment can carry up to 2 years in prison. you are also guilty of FDCPA 8012 furnishing deceptive forms, because the forms you sent to the credit Bureaus are misleading, and I feel misled by your actions. I attached exhibit A as proof that this bankruptcy is appearing on my credit report because of the information your company has illegally supplied.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2021-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-15
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: Public Record from a Chapter XXXX Bankruptcy. On XX/XX/2021 I placed a request for suppression of my file with Lexis Nexis due to the inaccurate and derogatory item on my consumer report. On XX/XX/XXXX. 2021 I sent a letter out to XXXX, XXXX and XXXX notifying them that " I do not recognize this public record ''. At or around XX/XX/2021, I received a response via a credit report mailed to me, that the public record was verified by the US Bankruptcy Court. Frustratingly, I've contacted the court and they advised they do not report to the credit bureaus nor have they verified anything. On XX/XX/2021 I sent a letter to the three Credit Bureaus with an attached response from the U.S bankruptcy Court, advising " It is clear the court do not report to you or to any credit bureau for that matter, nor is a debtor 's full social security number reported ; therefore your original response verifying this item with the court was either an error or deceitful. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. XXXX removed this inaccurate reporting immediately, however, XXXX and XXXX did not based on their deceitful actions. On XX/XX/2021 I also sent a certified letter to Lexis Nexis that they received on XX/XX/2021 bringing to their attention of their erroneous, inaccurate data and request that they provide verifiable documentary proof, in additional to removal of this negative item. To date I have not received any correspondence, proof or removal of this file!
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2021-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
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 previously disputed these items with LexisNexis [ Bankruptcy Case # XXXX, XXXX, & XXXX ] and in response you verified the items are accurate, stating that you have verified the information with the U.S. Bankruptcy Court via PACER. I contacted the courts directly, and their response is enclosed. It is clear they DO NOT report to you or to any credit bureau for that matter ; therefore, your original response verifying the items with the court was either an error or a lie. Either way, the reporting requirements DO NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and the items in dispute on my credit report must be deleted immediately. ( Reference page # 7 & 8 ) In contradiction, you ( LexisNexis ) stated .... reported to LexisNexis by the nationwide consumer reporting agencies. ( Reference page # 3 ) On the other hand, I have numerous credit reports stating from the nationwide consumer reporting agencies that all public information was obtained through a third-party vendor, LexisNexis. ( Reference page # 5 ) Moreover, my name, address, and full social security number should NOT have been shared with any third party due to the security freeze I have and had on my credit files with a PIN from each credit bureau and your company LexisNexis. Enclosed are copies of ( highlighted ) documents supporting my position.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: unable to retrieve my files. They constantly told me they didn't accept my identifications despite the fact that I am not a XXXX resident and I do not possess any XXXX-issued IDs They never attempted to reach out to me to ask for another supplementary IDs. Always a canned response no disclosure.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I received multiple different copies of my file. In each copy, my information were incorrect, multiple files and multiple SSN ( wrong ) being reported. I submitted request for them to fix and never got a response, inclding a request to freeze
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
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 was checking my XXXX file and I noticed that the Bankruptcy has been reinserted on my file. Per FCRA I was supposed to notified within 5 days of the reinsertion. I was never and wasn't notified that the aforementioned public record was going to be reinserted on my XXXX. Per XXXX, " PUBLIC RECORD INFORMATION THIS SECTION INCLUDES PUBLIC RECORD ITEMS XXXX OBTAINED FROM LOCAL, STATE AND FEDERAL COURTS THROUGH A THIRD PARTY VENDOR, LEXISNEXIS. LEXISNEXIS XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX.XXXX '' Since XXXX received the information from Lexis Nexis, Lexis Nexis should have notified or given me notice that this public record was going to reinserted. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further acti on. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days. I have no accounts that are listed as included in Bankruptcy on my report. I am demanding that this public record be removed immediately.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Related to reference # XXXX My wife called on XX/XX/2021 to dispute a judgement that appeared on her report and called back on XX/XX/2021 to confirm whether it was also on mine. After I gave the ok for her to talk to my wife, the phone rep confirmed it was on my report, and my wife asked that it be removed. She indicated a dispute had already been filed and it can take up to 30 days. 37 days later, the bank pulled our credit, and while it's finally been removed from my wife 's record, it's still on my mine ( though there's now a note that the judgment was released ). We called LexisNexis and were informed that a dispute was never initially filed under my name ... even though my wife was reassured numerous times over that once the resolution was provided, the judgment would be removed from BOTH reports. She called again today ( day 49 ) and still no resolution has been submitted. The phone reps are limited in their abilities and the " dispute team '' is unresponsive. Do I have to file a lawsuit to get this resolved!?
Company Response:
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
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 submitted two letters to the company about to accounts that they have on my report that is not supposed to be on there and is damaging my credit. The last was dated XX/XX/2021 that was sent them I did receive some conflicting information from the response of the first letter. Both letters was dated XX/XX/2021 that I received from them. One of them stated that The count was removed and the other letter stated that they needed additional identification information. I have provided all identifying information for me and both accounts to them. I will provide supporting documentation as well.
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
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 complaint is a follow up complaint to LexisNexis and the egregious inaccurate information they are reporting on my credit report. They are continuing to report an inaccurate bankruptcy on my credit report, an account they have continuously verified as 100 percent accurate and complete. Most recently, on XX/XX/2021, LexisNexis has just certified and verified the information they are reporting is accurate and true. I disputed this information again via certified mail by USPS on XX/XX/2021. LexisNexis received this dispute on XX/XX/2021. I called today to inquire as to why they have not responded to my demand to delete the inaccurate bankruptcy, and they stated they did not receive the dispute. Even though USPS tracking has them in receipt of the dispute on XX/XX/2021, they claim to have no knowledge of the dispute. LexisNexis reported bankruptcy includes upwards of 4 different errors and inaccuracies. If I dispute these inaccuracies and LexisNexis verifies they are 100 percent accurate and complete, by law, per the FCRA they are required to DELETE the entry. This outcome is required with only 1 inaccuracy. LexisNexis bankruptcy reporting includes 4 inaccuracies. I spoke to XXXX today from LexisNexis
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A