Date Received: 2021-02-03
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have contacted this company several times about freezing my credit report and not sharing any information about me to anyone. I have submitted my Security Freeze request well over 45 days ago and submitted a new request and the company has still failed to place a security freeze on my credit report. Have I attached proof of identity below.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was use to get health care, utility services and credit account, I had listed the companies and contacted each creditor regarding this issue.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
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 filed a complaint against LexisNexis with CFPB ( # XXXX ) on XX/XX/XXXX. I finally received a letter on XX/XX/XXXX dated XX/XX/XXXX from LexisNexis stating that I can access my report online and they provided a PIN. When I attempted to access my report, I received a message that my PIN had expired because it was only good for 30 days. I received the letter 49 days after it was dated. I called LexisNexis today and was told that they are unable to provide a new PIN to access my report and that they would have to send another letter in 7 - 10 business days. They were unable to connect me with a supervisor for assistance. I originally requested that they correct my report in XX/XX/XXXX and filed the complaint with you when they failed to make the legitimate corrections. I was also informed that they are unable to email the report to me. This has been an extremely frustrating experience.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexis Nexis resolved inaccurate information with Public Records section of my XX/XX/XXXX andXX/XX/XXXX These Two Entities Refuses to Acknowledge any Update information and by law refuses to delete unknown information. Their system E-Oscar, is verifying inaccurate information consistently and not verifying with the actual source Lexis Nexis. I need these two Entities to follow FDCPA and FCRA. They are breaking laws and violating my rights.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
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: LexisNexis has inaccurate information on my report and they have claimed it is 100 % accurate information. They have sent my disputes back twice, and they also provided me with a way to review my report and the problem is still there. Also they claim to have contacted UTAH FEDERAL BANKRUPTCY COURT - XXXX XXXX when there is no such thing by that name. They are using the inaccurate information on my report to tell me they are accurate.
Company Response:
State: UT
Zip: 84067
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I keep sending letters in regard to a bankruptcy that they claim has been verified by Lexis Nexis but the information they are reporting does not match the Lexis Nexis Report, XX/XX/XXXX,XX/XX/XXXX orXX/XX/XXXX report. I also looked on XX/XX/XXXX and none of the information matches. I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXXand Lexis Nexis about this. Name My name has only been XXXX XXXX XXXX. XX/XX/XXXX has a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. Bankruptcy XX/XX/XXXX, LexisNexis,XX/XX/XXXX, XX/XX/XXXX and XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match XX/XX/XXXX confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. File for XX/XX/XXXX shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided byXX/XX/XXXX in there investigation results provided on XX/XX/20. XX/XX/XXXX File # XXXX dated XX/XX/20 Bankruptcy CourtXX/XX/XXXX US Bankruptcy Court with address XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXReport # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files XX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX and LexisNexis shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to XX/XX/XXXX. Why was my report incomplete from XX/XX/XXXX Why isn't Lexis Nexis telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
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 am requesting a re-investigation and a provide method of verification of the bankruptcy listed on my credit report.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: A company called lexisnexis is preventing me from buying an umbrella policy based on the fact that a piece of construction equipment gave me a flat tire. See the report attached. XXXX should be ashmed that they treat customers this way as well. I want lexisnexis to remove the ridiculous report and XXXX to approve the umbrella for a XXXX year old PERFECT driver mom of XXXX kids with a PERFECT RECORD. This is TOTALLY ridiculous unsubstantiated and should NOT BE ALLOWED!!!!!!
Company Response:
State: IL
Zip: 60025
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XX/XX/2019 I started bankruptcy chapter XXXX pro se and in the midst of it I chose not to move forward. So I toughed it out with my creditors continuing to pay my bills on time. I spoke with the Bankruptcy court and it shows that i didn't turn in the proper paperwork to moved forward. A third party Lexus Nexis is reporting the information inaccurately without knowing all the facts.
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XXXX Senior Personal Lines Underwriter XXXX XXXX notified my XX/XX/XXXX that Lexis Nexis provided XXXX an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX notice indicates false information is being propagated by Lexis Nexis and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. They have sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or over a dozen phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' their false information without having the opportunity to see what information on me they are selling and without being able to get a copy of my credit report after 6 solid months of trying to do so. Here are the dates on which we contacted them by phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to them requesting credit report and insurance score : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Company Response:
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A