Date Received: 2021-05-04
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have tried to contact XXXX credit reporting agency to lift a security freeze on my credit profile so that I maybe able to access new credit. I am unable to reach a representative or get help with this matter because XXXX is not currently responding to my telephone calls. I would like to file a complaint against them for this matter.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider Lexisnexis because XXXX told me to do so and they deleted one of them but the bureaus won't even after Lexisnexis sent them letters but Lexisnexis and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX Report for auto insurance is showing false info that need to be deleted. Its coming up under reference number. XXXX @ XXXX. This is causing my auto insurance to be very high. Your help is appreciated.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This complaint is for Lexis Nexis and customer service representative XXXX. I just sent 28 minutes with XXXX on the phone from XXXX on XX/XX/2021. During the phone call XXXX gave me erroneous information and when I point things out to her she attempted to change the facts. I have spoken with XXXX on several different occasions and as recent as of Wednesday, XX/XX/XXXX. I called to check on dispute of bankuptcy listed on my Lexis Nexis report. She said that Lexis Nexis is contacting the " Courts ''. I find that odd because it is not the practice of the US Bankruptcy courts to provide information to data furnishers such as Lexis Nexis. XXXX went on to say that my dispute was started in XX/XX/XXXX. I challenged her on that because I emailed Lexis Nexis on XX/XX/XXXX at XXXX and I have a reported date XX/XX/XXXX that the Bankruptcy was disputed on XX/XX/XXXX. She went on to say that I requested a dispute to the bankruptcy listed on my credit reports. To which I told her I did not to that because there were no bankruptcy listed on my credit reports at the time. I told her that Lexis Nexis initiated these disputes on their own accord without my knowledge and permission. I then requested to speak to a supervisor to which she told me a supervisor would call me back in 24 hrs. I find that odd because Lexis Nexis is closed on the weekends.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy XXXX despite repeated disputes that I have made. They keep saying they have verified the information as coming from LexisNexis. This item was removed from my LexisNexis report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexis Nexus refuses to correct the information they somehow connected to me. i have tried numerous time since 2009 to correct my credeit reports. the 3 agencies have fixed all the errors but LN has never responded and I am having problems again. And these companies use LN. I have presented my credit reports to banks, credit unions and card companies but they use Lexis Nexis and they are wrong but will not correct the records. Because of them my identity has been stolen twice. I filed bankruptcy both times but LN is at it again. Because of them i am paying very high credit rates. Because of them i can not bank online because the credit union uses LN. I am not sure why or how they stay in business but when it comes tome to vote to no longer allow the credit agencies to be used i will vote them out.
Company Response:
State: NM
Zip: 87112
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis is violating my right to Privacy as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative on all accounts created by my seal/signature, FCRA and FDCP statutes by violating my right to privacy. I am NOT opting out of this company because I have never contacted them, never signed any contract with them. 15USC. Code 1681 - Congressional findings ( a ) Accuracy and fairness of Credit Reporting The Congress makes the following findings : ( 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. 15 U.S. Code 1692 b Communication with third parties. ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, TITLE 1.81.5. California Consumer Privacy Act of 2018 1798.100 - 1798.199.100 ( b ) A business that collects a consumers personal information shall, at or before the point of collection, inform consumers as to the categories of personal information to be collected and the purposes for which the categories
Company Response:
State: CA
Zip: 90744
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: All accounts must be verifiable that are on your credit report. I have reached out to LexisNexis on multiple occasions to get information on a Bankruptcy that XXXX, XXXX and XXXX are reporting on my credit report which is completely inaccurate. XX/XX/XXXX and on XX/XX/XXXX I got a letter from LexisNexis stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is XXXX, XXXX and XXXX verifying this information? On XX/XX/XXXX I again asked for a file from LexisNexis and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. As well as the Credit reporting companies are required to send notice to LexisNexis where they will be required to notify me and add the notice of dispute. My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX results were incomplete and missing on XX/XX/XXXX XXXX results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX XXXX results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If LexisNexis Certified this information is correct then where is the copy to be sent to me?
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
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: Related to case # XXXX Although the resolution for my dispute was to remove the satisfied judgement from my record, the same judgment appeared 3 times on my report and LexisNexis only removed 1. I called daily throughout the 36 days it took to receive a resolution, and multiple times the reps assured me that all 3 instances would be removed since they have the same case filing number. Now LexisNexis is stating they 30 days for the resolution though it's the same piece of information they've already provided a resolution for.
Company Response:
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A