Date Received: 2021-01-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XX/XX/2020, I requested that LexisNexis validated the Banktuptcy listed on my LexisNexis consumer file. I received no answer, and on XX/XX/2020 I sent a follow up letter again requesting from LexisNexis to send me the documents that they used to verify the bankruptcy, and if such documents can't be produced to delete from my report. I received a letter back from LexisNexis on XX/XX/XXXX, more than 60 days after my initial request, dated with XX/XX/2020. In The letter LexisNexis claims that they verified the bankruptcy and it's accurately reporting on the report. They failed to fulfill my request to provide the documents and procedure they used to determine the accuracy of the disputed bankruptcy. In the letter LexisNexis include that the Fair Credit Reporting Act gives me the right to request a description of the procedures used to determine accuracy, however they fail to provide said information as requested in my 2 letters sent to LexisNexis in XXXX and XXXX. Furthermore neither court or pacer report to or verify accuracy of information to 3rd pats companies, and existence of the information is not evidence and can't be used to verify who it belongs to. LexisNexis Case numbers listed on the communication sent to me : XXXX, XXXX, XXXX.
Company Response:
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: so I disputed a bankruptcy after allot of back and forth lexis Nexis agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other lexis Nexis is saying call the bureaus they will update and the bureaus are saying call lexis Nexis. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Incorrect information being reported to XXXX XXXX and XXXX XXXX XXXX XXXX 's.
Company Response:
State: PA
Zip: 18914
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute the accounts referenced above. I have been a victim of identity theft, accounts that I didn't open has been posted in my credit report, I haven contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. I have asked them to validate these accounts. This accounts are not mine and I was given no evidence of them been mine, I urge you to remove these items.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I previously requested to dispute a bankruptcy that was reporting on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXCredit reports! I contacted each of them individually to dispute the errors and requested that the entire public record be deleted from my profile. None of the company 's contacted me directed with the results within 30 days. I later learned requested a copy of my LexisNexis consumer profile only to learn that they were the one 's who misreported the public record. LexisNexis was the furnisher of this item and has since deleted it from my profile. The letter that LexisNexis submitted to the CFPB showed and confirmed that they deleted the bankruptcy item in XX/XX/2020. LexisNexis failed to advise and notify the credit bureaus of their deletion so the creditors continues to report the bankruptcy in error. The credit bureaus also never verified the public record as being a valid item. I am requesting that everyone DELETES THE INCORRECTLY REPORTING PUBLIC RECORD EFFECTIVE IMMEDITATELY! I have attached a letter from LexisNexis confirming deletion! I have also contacted emailed Pacer to find out what information they have in their systems and they too confirmed that they are not reporting any type of information for me to any credit agencies or 3rd party consumer agencies. DELETE THE PUBLIC EFFECTIVE IMMEDIATELY! You have already exceeded the original 45 calendar and business days allotted via the FCRA guidelines for verification and investigation of this matter!
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX To Whom It Might Concern : I might have signed into one, or all of your websites within the last 12 months for the sole purpose of obtaining a FREE copy of my credit report, FREE credit score, to add, lift or confirm that a FREE security freeze was added to my personal profile and to request that ALL incorrect, disputed items are SUPPRESSED from my profile. I was forced to use your online methods either because you failed to honor my requests over the telephone, in writing via U. S. Mail or Fax! I have also filed countless requests online with the CFPB website only to still be denied my consumer rights. I have since contacted an attorney who will be contacting each of you individually shortly! This letter is to confirm that each company listed in this letter should have a FREE UNLIMITED security freeze placed on my profile effective immediately. DO NOT ALLOW OR HONOR ANY FUTHER CREDIT APPLICATION REQUESTS WITHOUT MY CONSENT! This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO SAVE, STORE, SELL, SHARE, MARKET, SOLICIT or PROMOTE any of my personal information including a name, address, phone number, email address, employer, income, etc. This letter is to confirm that I am requesting to be OPTED OUT OF INFORMATION SHARING, MARKETING, BINDING ARBITRATION RESTRICATIONS, CLASS ACTION OR REPRESENTATIVE, INIATION ARBITRATION RESTRICTIONS, SUING YOU IN SMALLS CLAIMS COURT RESTRICTIONS, PROMOTIONAL OFFERS, INFORMATION STORING, LITIGATION RESTRICTIONS. This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO STORE, SAVE, SHARE, SELL or contact me via EMAIL OR PHONE NUMBER! ALL CORRESPONDENCE INCLUDING DISPUTES, CREDIT REPORTS, CREDIT SCORES, SECURITY FREEZES, SUPPRESSION, CHANGES, ETC SHOULD BE SENT THE ONE ADDRESS THAT I HAVE ON FILE! I DO NOT GIVE YOU PERMISSION TO CONTACT ME IN ANY OTHER MEITHOD! I have also NOT been able to access my credit reports via the Annual Credit Report website because XXXX requires an email and phone number to gain access. I do NOT have an email or phone number listed on my credit reports or profiles and do NOT wish to add one at this time! This restriction is considered discrimination because everyone does not have access to the internet or a cell phone. But should STILL be able to access their credit reports via online or telephone. I am requesting that each creditor listed on this letter, mail me a FULL, COMPLETE, PRINTED copy of my most recent credit and consumer report to the address that is listed at the top of this letter! Thank you so much for your immediate attention to these matters!
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: request to have inaccurate reports removed off account
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexis Nexis is reporting a Bankruptcy that do not belong to me. If not removed i will be filing a civil suit against Lexis Nexis if not removed immediately. Under the FTC and Fair Credit Reporting Act, Lexis Nexis is Violating this law by reporting incaccurate information. Im unable to qualify for Credit because of this. I feel under privileged because of this.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I've tried to order my LexisNexis report for three months now without success. I've contacted the company directly and they tell me they could not find a file for me with the information I gave. I'm attaching a state-issued photo ID and social security card to this complaint. There is no reason LexisNexis can not issue my reports now.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX, I sent a letter to lexis Nexis challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with Lexis Nexis. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from lexis nexis to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A