Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
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: Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a XXXX XXXX XXXX card from XXXX that showed up on my credit reports.I never signed up for a XXXX XXXX XXXX card through XXXX nor did i ask for my XXXX card to transfer over to XXXX XXXX XXXX card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the sXXXX XXXX XXXX card when they said it was denied.XXXX needs to provide proof that i signed up for a XXXX XXXX XXXX card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXXXXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. card number ... XXXX member since..XX/XX/XXXX valid thru ... .XX/XX/XXXX account closed on ... XXXX or XX/XX/XXXX
Company Response:
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/20 I sent correspondence to LexisNexis stating that I was a victim of identity theft ( XXXXXXXX XXXX ) The letter was sent certified mail return receipt with tracking # XXXX, and was in LexisNexis possession as of XX/XX/20 ( XXXX XXXX ). The letter explained to LexisNexis that I am a victim of identity theft, and that the inaccurate addresses listed in my consumer report should be blocked pursuant to section 605B of FCRA. This letter also contained the following enclosures : Proof of identity, A copy of my relevant sections of LexisNexis report with fraudulent items circled, FTC Identity Theft Reports, Police Reports, Identity Theft Affidavits, Fair Credit Reporting Act Section 605B, A copy of the law : FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft, Notice to Furnishers This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) LexisNexis is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Despite the FCRA 's requirement, LexisNexis has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes. Again, my records indicate that LexisNexis was in receipt of this request on XX/XX/20. The 4-day deadline required by section 605B for blocking the fraudulent information has passed as of XX/XX/20.
Company Response:
State: KS
Zip: 66605
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LexisNexis Consumer Center XXXX XXXX XXXX XXXX, XXXX XXXX Submitted erroneous information about my credit to my Homeowners Insurance with XXXX XXXX XXXX XXXX increased my insurance by {$760.00} because of erroneous info. I sent a letter to LexisNexis four months ago and never received a reply. This company needs to be shut down. NCF Reference # XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: An erroneous item Bankrupty with on my credit report involving a judgment that the credit bureaus are claiming they verified through you. Federal Courts do not share this information with 3 Parties / Lexisnexis. Im aware such information is public information and they sold that information to my credit reports
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I purchased and own my used vehicle XX/XX/XXXX. I purchased XXXX XXXX 6 months policy XXXX comprehensive insurance. Now it's time for me to renew my insurance and I decided to go with XXXX. However, I noticed that both vehicle insurances used LexisNexis for my driver record. Well it's recorded that on XX/XX/XXXX I have a violation of leaving the scene of an accident. I went to court with my lawyer, and that was dismissed. They're records needs to be updated. It is affecting my rating. I do admit that my driving record hasnt been the best since I moved to New Jersey, but the correct facts/information needs to be reported accurately and truthfully in all fairness.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX Previous complaint ID that got closed. Lexis Nexis assigned XXXX as the representative to handle this complaint. However, she never proactively reached out in dealing with the matters. Attaching in the complain is the series of inquiries of my report. All of the responses by LexisNexis ( or XXXX specifically ) were merely a reply to my proactive inquiries after silence and silence over the months. The last point of contact, XXXX asked for the last known US addresses on the file, which I replied within 5 hours. The same day XXXX wrote up a form stating no response was received on my end. She blantly lied to me, to the government and in written form of communication and paper traits, ( email ) she never did any investigation, or addressing any concerns.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX I XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Contacted LexiNexis to dispute inacurate information that was obtained from a denial of insurance services and to get a copy of my consumer file and Opt out. LexisNexis sent a response letter stating that thery were " unable grant my request '' and refused to send me an up to date consumer file or dispute any of the inaccurate information or opt out of their file discloure practices.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I contacted LexisNexis back in XXXX and XXXX and XXXX to advise them of the reporting they submitted to all 3 Credit Bureaus concerning public records not given to them by any entity from the U.S Bankruptcy court in Illinois. I was advised by Lexis Nexis that they show no public records for me and that they would advise all 3 credit bureaus of this information it is now XXXX and XXXX and XXXX are still showing public records listed on my credit report. XXXX has removed but the refusal of XXXX and XXXX to remove this information as in their words based on the information they received from Lexis Nexis. On my XXXX it says open investigation which has been open over 60 days with no resolution and XXXX refusal to remove the information as well. I ask that Lexis Nexis contact these entities and correct the information they sent over to them.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A