Date Received: 2021-04-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
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: LexisNexis is reporting unverified incorrect erroneous on me after i have asked them to correct the issue and refuses to make the necessary corrections
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Attempted to log into my account with the Pin number I was given but was unable to. The Pin number I entered said it was invalid although I attempted it 3-5 times ...
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XX/XX/2021, I filed a dispute with XXXX and LexisNexis regarding bankruptcies that are being reported by LexisNexis without my authorization and approval on my credit. XXXX XXXX is reporting this information without consent and refuses to remove all of my information from all of their databases. I've asked for signed authorization for them to report this information and I have not received a response to my request. I did not and do not give LexisNexis authorization or consent to report any of my information or hold any of my information in any of their databases.
Company Response:
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: My driving record has 2 accidents listed because the claim made one was incorrect but im going to get car insurance again and im being penalized for both accidents even though one of the claims wasn't paid out because it was incorrect. I tried solving with the insurance specialist and i keep getting a hotline number for Lexus Nexus and no response. so i call insurance back and they tell me to call this really good company that will fix it. it ends up being lexus nexus again. no option to talk to someone in customer service. does this company actually fix things? been over a week and no response calling multiple times a day NEVER able to get someone on the line, no option to hold for someone, just says thank you someone will get back to you and ends the pre-recorded call.
Company Response:
State: FL
Zip: 33990
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B-XX/XX/XXXX SSN : XXXX I was denied a Checking account today at XXXX XXXXXXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. Please send me a XXXX XXXX REPORT ASASP!
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX do not know how this works but I need it done or somehow corrected. My name is wrong on my credit reports and it is causing some issues with my verifications. My name is spelled wrong a few time the only name on my report should be XXXX XXXX XXXX no other name or variation should be there please delete remove any other spelling. My only address that should be on my report is XXXX XXXX XXXX XXXX, OH XXXX. Please remove any other address. I was compromised and I need to protect the integrity of my credit profile. My DOB XXXX My SS XXXX. Please remove any other date of births of SS numbers. Please delete the following numbers they are not mine at ALL ( XXXX ) XXXX ( XXXX ) XXXX my income was effected buy COVID19 Pandemic shut down and under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). it allows for accommodations XXXX XXXX XXXX # XXXX account is reporting late on XXXX I request for some help and was told to file a dispute and ALL late payments would be updated to current of positive status please delete. I am buying a Home this month and these errors are definitely holding back my process.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I also want to inform you that you have indeed federally violated my consumer rights as a consumer. The federal law under the FDCPA stated as in order to disclose my personal information you have to have my written consent and also there is no disclosure with an opt in or option notice requirement which is under 15 USC 6802. There was never a disclosure that exercised my nondisclosure option for this reason you have committed a FEDERAL FRAUDULENT ACT by making me feel you were supposed to have my personal information which is unlawful making you liable also under the 15 U.S Code 1640 Civil Liability section. I also have the right to privacy as a consumer which is stated in 15 USC 1681 ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report I need to see a contract with my permission that allowed you to do this in the first place so please produce a contract that granted you the permission to furnish my report & if so reply back in affidavit form and have a senior executive or yourself create an affidavit with it being notarized. If there is no permission consent delete the following accounts listed below.
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recieved a response letter from LEXISNEXIS/ACCURINT that stated that they are not required to provide reports to me of the personal information they have obtained through third party sources using my information. I have asked in written notice by mail several time in accordance with the law ( 15 U.S.C 6801 ) for LEXISNEXIS/ACCURINT to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-LEXISNEXIS/ACCURINT refused 2. I have chosen to OPT-OUT of their information selling and sharing platform- LEXISNEXIS/ACCURINT refused 3. Provide me with a complete printed copy of their collection on my personal information-LEXISNEXIS/ACCURINT refused. As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by LEXISNEXIS/ACCURINT or any of its third party affiliates.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
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 received my credit report from XXXX yesterday credit file dated XX/XX/XXXX confirmation # XXXX a three party consumer reporting entity : Lexis Nexis Consumer Center XXXX. XXXX, XXXX, GA XXXX is reporting incorrect information on my credit file : Bankruptcy filed XX/XX/XXXX and XX/XX/XXXX needs to be deleted from my credit report immediately. This is interring with my able to secure safe and affordability housing. Although this is the second request, it still appears to be on my credit report. Enclosed is a copy of a page from the incorrect credit report, letter from the XXXX Bankruptcy Court, and a letter I wrote to Lexis Nexis.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A