Date Received: 2020-11-23
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 have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XXXX on my behalf, with no response from XXXX. also i disputed with XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of LexisNexis removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexis Nexis is reporting a bankruptcy that is not correct. The name of the court, my name and the court reference numbers are all incorrect. Delete off my report immediately.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
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: On XX/XX/2020, I sent a letter to the US Bankruptcy Court asking them to explain their procedures for verifying records with the credit reporting agencies. According to my credit report, it claims the " magistrate '', " the recorder of deeds '' or " municipal court '' as the one who furnished the information on my credit report. The problem is none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus, and publishing false information is a violation of the Fair Credit Reporting Act. The only way this information can be accurate is if the credit bureaus received this information directly from the courts, so with that being said this should be removed from my credit report. On XX/XX/2020 I sent a verification that the court itself did not furnish this information itself and therefore it was a violation of the Fair Credit Reporting Act. They did not show proof of their verification with anything bearing my signature. How do you reinvestigate something send no proof then say it was verified as accurate? Especially when I send proof to back what I am saying and they produce no evidence. This includes XXXX, XXXX, XXXX XXXX, and Lexis Nexis.
Company Response:
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Again, ( XXXX, XXXX, XXXX ) request action for the bias and violation or the law ( s ) by inaccurate reporting by LexisNexus who scores ( doesnt share score with consumers ), in favor of and created by and for insurers ie. XXXX XXXX, XXXX XXXX. Reporting by insurers is at the direct expense and demise of consumers for the profits shared by LexisNexus and insurers. LexisNexus is a private, consumer credit organization, LexisNexus, who is obviously not held to any standards and above any law ( s ). The CFPB nor XXXX XXXX has held LexisNexus accountable to law ( s ) -ie. Fair credit reporting/insurance laws which places a huge burden, with unfair consequences adversely affecting pay and livability ( ie. Loss of Company XXXX, loss of of job/employment opportunities, insurability ), because of inaccurate information provided by insurers to LexisNexus, reported by LexisNexus- in violation of the fair credit reporting act. IF a consumer knows before they lose a job, pay excessive insurance due to inaccurate information being reported to/by LexisNexus and/or, if consumer can obtain the information from insurers or other data/information reporters for mis information and ie. insurers claims that never actually made the falsely reported and/or inaccurately reported, it takes an act of XXXX to reach LexisNexus and no action is being taken on behalf of the consumer to uphold the violation by them as a credit reporter. With the consumer being held accountable to correct information with the private credit reporting organization LexisNexus, with proof needed by the consumer from the misrepreporting agency XXXX XXXX , its near impossible for a consumer to obtain to submit to LexisNexus who then determines weather or not they will updates and you still need to wait an additional 60+ day in hopes that LexisNexus updates after they determine weather or not to correct the information which is shared by them ... they are partners with their customers/insurers not the consumer. They have no incentive to remove or consequence with no enforcement of the law ( s ). Its actually almost impossible to even request ; by phone one must provide voice recognition ( data not previously provided to LexisNexus ), consumers cant even request online, although they collect and share online, which is costly for consumers and injustice, to be collected, shared in a system that provides inaccurate information to justice, government, insurance, employer organizations. The information shared ( not according to fair credit reporting act ) is potentially damaging, incorrect unsubstantiated, information ... Without action by the CFPB ( seems actually a simulated example of-letter/complaint logging agency with no real resolution, just a mail intermediary ) its good for nothing for consumers. When a consumer needs insurance, cant work, are denied housing or opportunities, held accountable by law or government agencies for inaccurate data information programs owned by LexisNexus who is sharing and adversely affecting consumers ... how fair is that according to the CFPB ; how does/will the CFPB respond and take action and how long will it take and at what cost maybe a consumer may lose a job or take a third job to pay for insurance ... .I ask the board do you have or need insurance, a company car, a job, a home? Personally, I have experienced actual loss of money, time, opportunities by LexisNexus sharing information and damages by insurers who deliberately and knowingly continue to deceive, extorting funds from consumers in the name of LexisNexus reports. Again, I request that the CFPB act immediately-on behalf of consumers, as the CFPB is the agency designated and designed to uphold and enforce the laws to protect consumers.
Company Response:
State: MN
Zip: 55407
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2020, I received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX stating a quote from an agent for an insurance policy. I did not provide permission to pull my frozen credit report and Alexis Nexis lifted my credit report without asking to temporarily lift the freeze. Secondly, I did give any agent to go outside of my insurance to get quotes. I specifically stated to stay in their agency. I did not receive a call from XXXX XXXX XXXX and XXXX XXXX XXXX requesting to lift the freeze. Therefore, they should not request any information on me unless I am made aware of it.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
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 disputed a bankruptcy that Lexis Nexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2020, I received a letter from Lexis Nexis stating the Lexis Nexis investigated and verified that the information was accurate and true. The letter from Lexis Nexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2020, I enacted that right and requested Lexis Nexis provide me their investigative procedure ( Method of Verification ). I sent the letter certified mail to ensure deliverability. On XX/XX/2020, at XXXX XXXX the letter was delivered and the 15-day window for your establishment to respond with the Method of Verification began. As of XX/XX/2020, the 15 day grace period given to respond to my request expired without a response to my request. On XX/XX/2020, I received a letter from Lexis Nexis that was dated XX/XX/2020, again stating verified but still not providing me with the information requested, which was their Method Of Verification. On XX/XX/2020, I contacted Lexis Nexis via telephone at XXXX ; XXXX XXXX and informed the service rep of everything stated in this message and asked if they could provide me with the information, the service placed me on hold and I stayed on hold until the phone hung up at XXXX XXXX. Lexis Nexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like Lexis Nexis to delete the unverified item from my consumer report and remove and refrain from continually reporting the unverified information to the credit bureaus.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$530.00} ) To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of Brennans debt collection letter, Spears counsel XXXX sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX.
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As I have stated in previous complaints, this company CONTINUES to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. I only received my results per the investigation via CFPB website. The company has NEVER MAILED ME A NEW UPDATED, CORRECTED, FULL, PRINTED COPY OF MY REPORT OR THE LETTERS THAT THEY SENT TO CFPB! THEY CONTINUE TO IGNORE THE REAL ISSUES AT HAND! THEY ONLY RESPOND TO CERTAIN INFORMATION IN EACH COMPLAINT! THANKFULLY, THEIR REFUSAL TO HONOR MY REQUESTS, DISPUTES AND RIGHT TO RECEIVE MY INFORMATION IS HELPING ME TO GAIN MORE OF A PAPER TRAXXXX AND CASE TO SUE. MY DAUGHTER, XXXX XXXX AND MYSELF HAVE BEGAN TO FILE A LAWSUIT AGAINST LEXISNEXIS AND WOULD LIKE TO REQUEST THE FOLLOWING : 1. FULL COMPLETE PRINTED COPIES OF OUR LEXISNEXIS CONSUMER REPORTS TO BE MAILED TO US IMMEDIATELY! 2. THE REPORTS SHOULD BE PRINTED BY LEXISNEXIS AND MAILED AND ADDRESSED TO EACH OF US SEPARTELY. 3. THE RESULTS OF THE INVESTIGATION THAT WAS REQUESTED BY ME TO BE MAILED TO MY CURRENT ADDRESS EFFECTIVE IMMEDIATELY! 4. INVESTIGATION RESULTS FOR MY DAUGHTER TO BE MAILED TO HER IMMEDIATELY. 5. INVESTIGATION RESULTS FOR THE XXXX XXXX TO BE MAILED TO HIM SEPARATELY IMMEDIATELY! 6. A FAX, DIRECT PHONE NUMBER AND ADDRESS FOR YOUR LEGAL TEAM TO RECEIVE THE COURT DOCUMENTS. 7. TO SEND PROOF OF FILES THAT WERE SUPPRESSED FOR ALL 3 OF US PER OUR PREVIOUS RESULTS! 8. SUBMISSION OF INFORMATION THAT WAS REPORTED TO THE 4 MAJOR CREDIT REPORTING AGENCIES TO BE MAILED TO ME EFFECTIVE IMMEDIATELY. 9. A LETTER ON YOUR LETTERHEAD CONFIRMING WHY YOU NEVER SENT THE INVESTIGATION RESULTS FOR ANY OF US VIA MAIL. 10. A LETTER EXPLAINING WHY YOU STALLED AND DELAYED THE INVESTIGATION, NEVER PROVIDED INFORMATION ABOUT THE INVESTIGATIONS AND THE DATES THAT YOU RECEIVED THE REQUESTS FOR INVESTIGATION. 11. EXPLANATION THAT YOU FAILED TO FOLLOW FCRA GUIDELINES AND PROVIDE US WITH COMPLETED, PRINTED, FULL COPIES OF OUR CONSUMER REPORTS! 12. VERIFICATION AND VALIDATION OF INVESTIGATION RESULTS! 13. HOW DID YOU VALIDATE ANY INFORMATION THAT IS REPORTING IN THE CONSUMER REPORTS! 14. PROOF OF INVESTIGATION RESULTS FOR ALL 3 PARTIES TO BE MAILED SEPARATELY! 14. PROOF OF VALIDATION AND VERIFICATION TO BE MAILED TO ALL 3 PEOPLE SEPARETLY! 15. Some INFORMATION WAS SUPPOSEDLY REMOVED BUT NONE OF US HAVE RECEIVED A COPY OF THE FULL, COMPLETED, PRINTED REPORTS TO SHOW WHAT REMAINS AND WHAT WAS REMOVED! 16. A LETTER THAT CONFIRMS THAT ALL OF OUR CONSUMER REPORTS HAVE NOW BEEN SEPARATED AND ARE NO LONGER MERGED! 17. EXPEDITED COPIES OF OUR CONSUMER REPORTS AND INVESTIGATION RESULTS! 18. PROOF AND CONFIRMATION OF ALL ITEMS THAT HAVE BEEN SUPPRESSED PER OUR REQUESTS! 19. THE CORRECT FAX NUMBER FOR YOUR CONSUMER DEPARTMENT! THE ONE WE WERE USING, NO LONGER WORKS! 20. MY DAUGHTER REQUESTED TO DISPUTE HER FILES ON XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 AND HAVE NOT RECEIVED ANY RESULTS VIA US MAIL! IT HAS BEEN OVER THE ALLOWED 30 DAYS SO THE COMPANY IS AUTOMATICALLY REQUIRED TO DELETE THE ITEMS IMMEDIATELY. MY DAUGHTER AND I HAVE DIFFERENT LAST NAMES, SHE HAS A MIDDLE INITIAL AND I DO NOT! XXXX XXXX IS MALE AND WE ARE FEMALE! WE ALL HAVE DIFFERENT NAMES, HAVE DIFFERENT DATE OF BIRTH 'S! DIFFERENT SOCIAL SECURITY NUMBERS! WE ALL SHOULD HAVE COMPLETELY SEPARATE AND COMPLETELY DIFFERENT PROFILES THAT DO NOT INCLUDE THE OTHER! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECAUSE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE ALSO! MY DAUGHTER WAS INCLUDED ON THIS COMPLAINT! SHE HAS FULL ACCESS TO THIS COMPLAINT AND SO DOES XXXX XXXX! MAIL US ALL COPIES OF OUR FULL, COMPLETED, PRINTED CREDIT REPORTS TODAY! I HAVE ATTACHED COPIES OF THE LETTERS THAT LEXISNEXIS SENT TO CFPB BUT NEVER SENT TO ME IN THE MAIL. THEY ALSO NEVER SENT THE INFORMATION TO MY DAUGHTER OR XXXX XXXX!
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a debtor on my Lexis-nexis report that belongs to my dad. We have the same name. " Debtor 3 XXXX XXXX XXXX XXXX '' Also I have no idea what Creditor 1 " XXXX XXXX '' is
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I requested a security freeze with Lexis Nexis for my Lexis Nexis account in XXXX. In XXXX in addition to requesting a security freeze, I also opted out of any C.L.U.E reports with Lexis Nexis. I asked that the information Lexis Nexis had for me be frozen and not available to anyone including credit reporting agencies and possible employers. ( Please see the enclosed letter dated XX/XX/20 ). On XX/XX/XXXX, I received 2 ( two ) letters from Lexis Nexis confirming both my freeze as well the opt out. ( see the enclosed letters ). XX/XX/XXXXis saying they were able to verify public record information about a bankruptcy on my credit report by using Lexis Nexis. I demand to know how Lexis Nexis obtained any information regarding my social security number and a bankruptcy filing. I need to see proof my social security number on a bankruptcy filing. I demand to know how Lexis Nexis is validating any information in my Lexis Nexis files after granting a freeze that I have never requested be lifted. I demand that this erroneous information be removed from my information Lexis Nexis or Lexis Nexis file immediately. I demand that Lexis Nexis correct the false information they illegally supplied to XX/XX/XXXX and the bankruptcy information be removed from all my credit reports immediately.
Company Response:
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A