Date Received: 2020-10-27
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 attempted on numerous occasions, to have LexisNexis verify Bankruptcy information listed on my LexisNexis Consumer Risk Report and what methods used to verify the information. Most recently I mailed a letter through USPS Certified Mail with Tracking information to LexisNexis ( See Attached Letter titled : LexisNexis Bankruptcy Dispute XXXX ). This letter was in response to a letter I received from LexisNexis dated XX/XX/XXXX, stating the Bankruptcy Case # XXXX was received and/or reported from Public Access to Court Electronic Records ( PACER ). The letter also stated that my full social security number was reported by PACER and various sources including the nationwide consumer reporting agencies. This letter has the exact same language and as the letter, I received on XX/XX/XXXX ( See Attached Letter titled : LexisNexis CFPB Response XXXX ). The nationwide consumer credit reporting agencies, XXXX, XXXX, and XXXX state the information regarding the bankruptcy is obtained from LexisNexis. After multiple contacts to the XXXX, XXXX, and XXXX, the nationwide credit reporting agencies, All confirmed on numerous occasions the bankruptcy information provided to them whether sold or free is verified through LexisNexis. In addition to this, the nationwide credit reporting agencies, XXXX, XXXX, and XXXX along with PACER do not list the full social security number. See Bankruptcy Rule 9037.. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings ( See Attached Letter titled : LexisNexis Bankruptcy Dispute XXXX ). I have attached copies of the letters I have sent to and received from LexisNexis. I have also attached a copy of the letter I received from the XXXX XXXX XXXX, XXXX XXXX XXXX Ohio, XXXX, that states no information is reported to the Credit Reporting Agencies. This contradicts what LexisNexis is now saying in the letter I received dated XXXX XXXX : " We have verified that our Lawsuits, Civil Filings, Judgements and Lein Records are accurate based upon your Filing Number XXXX ( redacted ), after contacting XXXX XXXX - XXXX XXXX Please contact the court directly if they need to update their records. '' In the letter dated XX/XX/XXXX and XX/XX/XXXX, LexisNexis states " Please be advised that while the U.S. Bankruptcy Courts may not provide information directly to consumer reporting agencies, bankruptcies are a matter of public record and can be obtained from PACER, which is an electronic public access service that allows users to obtain case and docket information online from federal courts. They also state " Please be aware that LexisNexis Risk Data Retrieval Services LLC ( LexisNexis XXXX XXXX ), a LexisNexis Company, sells public records to a variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX. LexisNexis RetrievalServices role is limited to providing the consumer reporting agencies data it retrieves from bankruptcy, judgments, and liens public records from primary sources in bulk. LexisNexis Retrieval Services has no role in determining what public records relate to which consumer. The consumer reporting agency determines whether to include a particular public record in a specific consumers credit file, not LexisNexis Retrieval Services ''. As stated in previous disputes and complaints both with LexisNexis directly as well as with CFPB, XXXX, XXXX, and XXXX obtain bankruptcy information from LexisNexis who is telling them the bankruptcy information is accurate without properly verifying the information. LexisNexis has not verified the bankruptcy information because they are unable to. They were first saying they verified the bankruptcy information with PACER using my full social security number and an address that I have disputed with and has removed from XXXX, XXXX, and XXXX. I have also disputed this address with LexisNexis and they have not removed it. They are also saying they verified the bankruptcy information with the courts directly listing " OHIO XXXX '' as the court name which is also inaccurate. LexisNexis has not provided me any documentation to show how they verified the bankruptcy information. If the information was provided by and verified with the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I would like the written documentation they provided LexisNexis as verification. If this information can not be provided I demand the bankruptcy information be removed immediately and documentation mailed to me confirming/showing it was removed along with an updated mailed copy of my LexisNexis Consumer Risk Report. Based on the attached documentation, that shows LexisNexis is not being truthful, I demand the bankruptcy information be removed from my LexisNexis Consumer Risk Report as well as notices sent to XXXX, XXXX, and XXXX stating the Bankruptcy Information provided by LexisNexis should be removed as it can not be verified. I would also like a copy of the said notices mailed to me.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I rented an apartment at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I get renters insurance with XXXX Based upon a report from LexisNexis Risk, Reference #, XXXX, XXXX raised my deductible due to a prior loss. It wasn't my prior loss. There was supposedly a theft at the unit and an insurance claim to XXXX 's by a prior tenant. There are several issues. I contacted LexisNexis as per their instructions to get more information and they said they couldn't find any information matching my data. Of course, they couldn't. It wasn't my loss. I made no such insurance report or claim. XXXX was able to give me the XXXX XXXX claim number which was on their copy of the LexisNexis report. I contacted XXXX XXXX. The unit wasn't robbed. There was no apartment theft. A prior tenant had a bicycle stolen from the garage. I don't even own a bicycle. Their record about what happened is wrong and it can cause me a loss. XXXX told me as long as the LexisNexis Report shows a theft, there is nothing underwriting can do and I'm on the hook. I need to get this report fixed. I can't even go to another insurance company as long as there is an incorrect public record. I'm going to run into risk rating issues.
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from LEXIS NEXIS, XXXX XXXX, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/2020 I disputed the accuracy and completeness of information reported by XXXX in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.
Company Response:
State: VA
Zip: 23237
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
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 am a federally protected consumer and Lexis Nexus has violated me under the provision of 15 USC 1692. Please review attached documentation.
Company Response:
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I filed a dispute with this company about a bankruptcy that was reported the bureaus my file. I notified them that I had not filed for bankruptcy. On XX/XX/XXXX I was notified that this bankruptcy had been removed from their files. I keep disputing this same account with experian and transunion and they keep telling me that lexisnexis is certifying that it is reporting accurately. I recieved 2 false reports from lexis nexis providing that the information was removed. I noticed that my professional record was removed but the section was still in the report and when it comes to this bankruptcy the whole section isnt there. They are trying to make me believe it was deleted from my file bit when I applied for credit I was notified on XX/XX/XXXX that there was a bankruptcy on my report and the reason I was denied credit with this company. XXXX XXXX pulls from lexis nexis and they told me that this bankruptcy is still there. They sent me a report with the bk section and then a few days later sent another without. Lexisnexis lied about their investigation and gave false information to me about my file. This is a clear violation and I intend to file full litigation against this company for such violations and defamation of character.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX XXXX # XXXX the dates were XXXX XX/XX/2020my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Upon receiving a pre-employment screening report, I noticed there is an outdated address in California showing ( I haven't lived in CA in 16 years ) and also a record check in Arizona that is completely incorrect ( I have never resided in the state ). I contacted the screening provider, XXXX XXXX XXXX, presented the report and noted the outdated and incorrect information. It took several phone calls and an unnecessarily long e-mail thread over 5 days for them to relay their contact company they received the information from I would need to contact ; Lexis Nexis. I opened a ticket with Lexis Nexis on their website under the appropriate category on XX/XX/XXXX, informing them of the same outdated and incorrect information on my background screening, and attached a copy of the report. 10 days later on XXXX, they responded and indicated they needed me to provide a copy of the dead individual. No one died, and I communicated nothing of that to them so that was confusing and I began to lose faith in their literacy and competence. I again repeated my request. 11 days later on XX/XX/XXXX, they responded informing me they don't deal with my issue in their department and would need to contact the department of Lexis Nexis that handles background screens. I found this frustrating and an unnecessary delay having opened a ticket on their website under the correct category 22 days earlier. Regardless, wanting to finish the issue, I called the phone number today, XX/XX/XXXX. The representative I spoke to, after XXXX minutes of being very confused, informed me the company I Was calling was XXXX XXXX, which is a background screening company, and they had no record of a report being run on me in XXXX.This was very frustrating. I Tried to verify that they provided information to LexisNexis, the representative said he couldn't provide that information to me, but that they did not run a background report on me, and that I should contact LexisNexis. Tomorrow marks 30 days, many e-mails I've attached, about 5 phone calls and much of my wasted time for what should be a simple, functional and *IS* a legally guaranteed removal of incorrect or outdated information on my background report. I would like to request maximum penalties for LexisNexis for incompetence. If you could please provide me information the legal recourse I have to pursue damages or legal action against them for failing to abide by the FCRA I would appreciate it as well.
Company Response:
State: OR
Zip: 97015
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Under my FCRA rights, I have been filing disputes and requesting verification of the following public record/account listed on my credit reports with LexisNexis, XXXX and XXXX since XX/XX/2020. ( All first and second round letters went certified mail & proof of letters attached with this complaint ). All three agencies continue to report on my credit record the folllowing account : XXXX XXXX XXXX/Bankruptcy # XXXX. Both XXXX and XXXX list LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX as the source of their verification onXX/XX/20 ( XXXX XXXX, XX/XX/XXXX ( XXXX XXXX, and XX/XX/XXXX ( LexisNexis themselves ). After my first round of disputes, XXXX deleted this account on 09/21/20 ( file attached with this complaint ). LexisNexis, XXXX, and XXXX did not include the procedure used to determine the accuracy and completeness of this disputed information including the business name, date, address, telephone number and whom they spoke with as the furnisher of information. I specifically requested this information during my first/second round letters pursuant to my rights under the Fair Credit Reporting Act. Not ONE of these reporting agencies have shown proof of this account. In fact, LexisNexis sent their dispute results letter to me that as of the date listed on letter XX/XX/20 XXXX that LexisNexis have not received a response from XXXX and XXXX!!! ( letters attached with this complaint ). On XX/XX/20, I called LexisNexis at the number listed in my security freeze letter at XXXX and spoke with a consumer consultant named " XXXX '' who indicated that indeed my security freeze was done on XX/XX/20 ( confirmation letter attached with this complaint ). XXXX also indicated that neither XXXX or XXXX inquired on my record on/around the dates they listed on my dispute results from BOTH credit reporting agencies. " XXXX '' at LexisNexis also indicated that they would begin a dispute for me with the actual courthouse listed as XXXX XXXX XXXX XXXX XXXX XXXX, MI for verification. I questioned how LexisNexis dispute process works. XXXX indicated that they sent out a letter to the courthouse and they have 30 days in which to respond. I thought that's what they did when I started my online dispute on XX/XX/20?? ( proof of email attached within this complaint ). I contacted the XXXX XXXX XXXX XXXX XXXX XXXX, MI and they sent me a letter indicating they do not " report individual bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus '' ( Letter from this courthouse attached with this complaint ). So, how is LexisNexis going to get this information verified? I also emailed XXXX who also indicated that they do " not contact consumer reporting and credit reporting agencies ( email confirmation attached with this complaint ). Is this all a scam? I demand that this public record XXXX XXXXBankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of the verification date. My rights have been consistently & repeatedly violated under the Fair Credit Reporting Act, just like the Civil Case No. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this public record and send me updated credit reports. Respectfully, XXXX XXXX ( proof of identity attached with drivers license and ssn card ).
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I would like request a full Lexis Nexis, XXXX XXXX, XXXX credit reports. I have attached my ID
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A