Date Received: 2021-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Some body try to rent an apartment in my name in Louisiana, I found that in a credit card charge, when I realize that I started to check my credit and to my surprise there were numerous accounts in my name .These fraudulent accounts are causing me to pay high interest an a lot of credit rejections, I need to remove these fraudulent accounts from my report.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX has my name as XXXX and I have never had that name, nor did I give consent for them to enable numerous creditors and other agengies to have access to my personal information. I disputed their false report and they have yet to fix the wrong name on their report. Additionally, they have enabled numerous credit inquiries all of which were made without my permission. I have never been late for any bill or payment ever in my life and I have XXXX debt. Any information to the contrary would be false. Additionally, I have sought the information pertaining to the credit inquiries and have been denied this information despite my being a victim of identity theft. I have mailed my documents and have called to report the false reported name and experian has failed to change this false name and has neglected to give me access to my file- especially with the disclosed creditors seeking information about my personal financial history.
Company Response:
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
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: CFPB CASES # XXXX this case was submitted as the 2nd complaint through CFPB. On the initial case investigation, XXXX representative never proactively reached out in requesting information and blantly lied in the very end regarding addressed. Case closed and no resolution no credit report mailed. On the most recent, CFPB only notified of 2 incidents, 1. LN was working on my file, no contact from LN at all, I never reached out or received any information from LN. 2. LN indicated I contacted them on XX/XX/XXXX? according to my record, LexisNexis sent me the following email on the XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX [ Incident : XXXX ] LexisNexis Consumer Support XXXX Sun XXXX XXXX XXXX Preview LexisNexis Customer Support Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days. Thank you for allowing us to be of service to you. To update your question with additional information, click here Subject Identifiers XXXX XXXX XXXX XXXX Response By Email ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. We apologize for the delay in response to your inquiry. Thank you for the address you provided. We have forwarded your request to the appropriate department for special handling. For further information, please contact the LexisNexis Consumer Center at XXXX XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX EST, Monday through Friday, and a representative will be happy to assist you. LexisNexis Consumer Center Customer By CSS Email ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) ==================== text File Attachment ==================== Attachment XXXX, XXXX bytes, Added to incident Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXX Status : Solved Escalation Due No Value Copyright XXXX LexisNexis Risk Solutions | Privacy Policy [ -- XXXX -- - ] 3. This was a 23 days apart, I never contacted NexisLexis. 4. On the letter LexisNexis provided to the CFPB office , LN said LN mailed me a copy for my reference. Then the next paragraph said LN tried contacting me on XX/XX/XXXX and unsuccessful. This is contradicting. LN multiple times referred to myself as Mr. XXXX ( correct ) then LN at the 2nd last sentence referred to myself as " her ''. " Additionally, if Mr. XXXX like a copy of hisfull file disclosure or further review of his file, we ask that Mr. XXXX provide a clear copy of hergovernment-issued drivers license or identification card along with a most recent utility bill or credit card statement as proof of her current address. '' 5. In the end, I am left confused , LN, did you mail it at all? or did you not? Clearly LN never investigated or performed any actions beside copy/paste and never released my report. This was ongoing since XX/XX/XXXX. First time my request was mailed ( per their word ) and I never received anything. Until today , LN still refuses to mail my report under my rights and CFPB 's made aware of this kinda behaviour.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Problem with a company's investigation into an existing issue
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a problem with my " CLUE '' report from LexisNexis. LexisNexis was reporting wrong information, I disputed it with LexisNexis and XXXX, but could not talk to XXXX as I was not a policy holder and nobody would return my calls. My disputes started on XX/XX/2020 when I sent my dispute to both LexisNexis & XXXX. After disputing information that was missing on claims, XXXX changed the details of the claims to wrong information. For instance : Many claims had no birthday, drivers license, or other identifying information. After my XXXX dispute, XXXX filled in the information with wrong info, info that wasn't mine and continues to 'verify ' it, even though it is not accurate. I sent another letter to LexisNexis on XX/XX/2020 telling them still, that my file must have been confused with someone else 's, and the information is wrong. They have never replied. I also asked for a copy of my consumer report on the same day, which was never sent.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MY NAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX. SS XXXX DOB XXXX. I HAVE STARTED ON A NEW BUSINESS AND WHEN I LOOKED OVER MY FULL REPORT I SEEN THAT THERE were SEVERAL ERRORS! PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXXXX/XX/XXXXXXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX.
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been trying to correct my LexisNexis Consumer Disclosure file since XXXX, XXXX regarding a " mixed files '' issues. The credit reporting information is taken from my LexisNexis Consumer Disclosure reports dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were hundreds of records that belong to my relative ( XXXX sister ). It is now XXXX, XXXX and there are still errors in my file after making phone calls, sending emails, and sending certified letters requesting deletion of the errors. This is not a situation where only some inaccurate records deleted is good enough. All the inaccurate records must be deleted permanently. The event that brought the errors to my attention was a call from my Insurance Agent asking me about a {$41000.00} claim on my LexisNexis Consumer Disclosure report when I applied for insurance. Of course, I was baffled regarding a {$41000.00} Property Insurance claim. Immediately I realized that it was most likely a claim filed by my relative and I let the Insurance Agent know that. When I gave the Insurance Agent my relative 's name, it matched the name that was associated to the claim. My relative was also a client of the same Insurance Company. As it turns out, there were three ( 3 ) additional insurance claims associated with my relative. The Insurance Company disputed the four ( 4 ) claims, ( two ( 2 ) Automobile Insurance claims for {$540.00} and {$93.00} and two ( 2 ) Property Insurance claims for {$41000.00} and {$5800.00} because they knew that the claims did not belong to me. Once I received my LexisNexis Consumer Disclosure report, it was confirmed that the claims belonged to my relative. As it turns out, there was another Property Insurance claim that belonged to my relative in the amount of {$850.00}. The LexisNexis investigation of the Insurance Company 's disputes resulted in an update of the inaccurate insurance claims, not a deletion of the inaccurate insurance claims. I had to dispute the claims again myself. After several attempts to have the inaccurate claims deleted, they were deleted from my file. Another issue is that when inaccurate records are deleted, some of those same records appear in my LexisNexis Consumer Disclosure file again without my knowledge or approval. The Security Freeze that I had LexisNexis add to my file was removed five ( 5 ) months later by LexisNexis without my knowledge or approval. I called LexisNexis and insisted that the Security Freeze be returned to my Consumer Disclosure file immediately. As a result, I received an updated LexisNexis Consumer Disclosure report that indicated the Security Freeze had been returned to my file again, but the report also indicated that the {$41000.00} Property Insurance claim and the {$850.00} Property Insurance claim that belonged to my relative that took me months and several certified letters to have deleted, is appearing on my report again. If the inaccurate records are deleted, how can they reappear in my file? Another issue is that invalid records that I've requested to have deleted have not been deleted. They remain in my LexisNexis Consumer Disclosure file after months and multiple requests to have them deleted. Another issue is that LexisNexis will delete my relatives ' records from some Sections of my Consumer Disclosure file but not from all Sections of my file. If LexisNexis deleted inaccurate records associated with my relative, why not delete all inaccurate records associated with my relative. I've spent several months and much money trying to correct these mistakes and this project is still ongoing.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Lexisnexis has reported all claims from XXXX XXXX as at fault insurance claims when they should be no fault auto claims, I have letter from XXXX XXXX that they were not my fault but they have done this as a result of this I am unable to get auto insurance in the normal route and when i get through the new your auto policy, the premium is way too higher. Plus they have also added some points on my data, I dont know what those points were assigned to me for, I checked my DMV record and I dont have any points associated with that. I dont know what this company does because of their careless reporting My Insurance has increased a lot and also why these private companies are controlling our fate. when DMV has something called driving record in place why companies like lexisnexis. they necessarily cause trouble to people like us.
Company Response:
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with XXXX and XXXX. I have never given Lexis Nexis written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to XXXX and XXXX and they both said that Lexis Nexis provided them the information.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: They are reporting an inaccurate bankruptcy to the credit bureau
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I had filed a complaint against Lexis Nexis for taking to respond to my requests for a complete personal history credit report I spoke to XXXX XXXX XXXX On XX/XX/XXXX to mail me hard copies of the full report AND the complete address history report. I only received the report but HAVE NOT RECEIVED the complete address history I placed two other calls at her number above on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also called today XX/XX/XXXX.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A