Date Received: 2020-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2020 I applied for a car loan with XXXX XXXX I was denied, XXXX XXXX said that they verified information with Lexis Nexis and XXXX. Both companies clearly has no information on me to make this inaccurate claims. I would like to know where, who, and how does XXXX, XXXX XXXX, XXXX verify there information if LEXIS NEXIS has no record that pretends to me.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
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: For months, i have been asking XXXX & XXXX to comply with my disputes. Both companies are reporting a bankruptcy on my credit report. Both Companies have said they verified their information from LEXIS NEXIS. However not only is it an FCRA violation to seek information from third parties companies, Lexis Nexis has already sent a letter to me saying this information was UNVERIABLE and is NO LONGER in their system. However BOTH companies are still saying they verified the information from lexis nexis. furthermore, its been months of the same thing, and i have had no choice but to hire an attorney to initiate a law suit against the non complying company.
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
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: This company has been notified on multiple occasions that they are reporting inaccurate information on my credit report. This company continues to violate the fair credit reporting act by falsely reporting information. They are showing that the information was provided by the US BANKRUPTCY COURT. I have sent this company a letter directly from the court stating that they do not furnish information to 3rd parties. They continue report this when I have informed them that its being reporting inaccurately. I demand for this company to remove this.
Company Response:
State: MS
Zip: 39305
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2020 I pulled my credit report and there was a public notice about bankruptcy being reported by a company called LexisNexis. So, I called LexisNexis and asked if they reported this to the credit bureaus? If so, how did they obtain and verify the information was correct? They explained to me that the information was reported to them directly from the courthouse staff. So, later that day on XX/XX/2020 I contacted the bankruptcy court ( XXXX District Clerks office ) to ask how this information was reported and which agent or staff reported it. I was advised by one of the staff by the name of XXXX XXXX that they DO NOT give or release information to credit bureaus or and other companies. I received a letter from the court from the Deputy Clerk XXXX XXXX that states that the U.S. Bankruptcy Court DOES NOT report to the credit bureaus. It was noted on the said report that the information was provided by LexisNexis. So, on XX/XX/XXXX I sent out a Notified and Certified letter with TRACKING ID XXXX XXXX XXXX XXXX XXXX I seen where the letter was delivered on XX/XX/XXXX at XXXX XX/XX/XXXX. Information for verification included my Virginia Drivers license and Social Security Card attached to said letter. The letter asking that my account with your company LexisNexis be frozen so that I can look into this matter. On or around about XX/XX/XXXX I received a letter from LexisNexis stating : I quote LexisNexis has conducted a search of its databases based on the information provided to us, but was unable to locate a file sufficiently matching your data. I again on or about XXXX I pulled my credit report again hoping that because the information was not able to be found, then it should no longer be on my credit reports, as I have now made LexisNexis aware that it was reporting inaccurate information. Thus, also being that LexisNexis didnt/should n't have a file for me to be reporting out. With the information on the report, I disputed with the credit bureaus and explained and provided the proper documentation from LexisNexis and the bankruptcy court hoping it would be removed. On XX/XX/2020 I received a letter from 2 of the Credit bureaus with the dispute results stating that : I quote Outcome : Remains The company that reported the information has certified to XX/XX/XXXX and XX/XX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. I have been denied credit and the reason for denial is ONLY reported BANKRUPTCY. I have had to obtain an auto loan with super high interest, again the reason for BANKRUPTCY. I would like to bring this to the CFPB attention because I'm sure that I'm not the only one this has happened to. I sent copies for all my proof to LexisNexis that include the following ad nothing has been done yet. 1. Letter to LexisNexis to freeze my account with them Dated XX/XX/2020 attached is my Virginia Drives license and SSN card 2. Tracking information for letter noted above 3. Tracking information printed from the USPS website showing ( Delivered ) 4. Letter from LexisNexis stating that they had no file with the information provided 5. Part of the dispute letter sent to the credit bureaus disputing the wrong inaccurate information. 6. Copy of the letter from XX/XX/XXXX stating that the Information was verified and is correct. 7. Copy of letter from the Deputy Clerk from the bankruptcy court.
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interest and has diminish my ability to get credit. Please help me.
Company Response:
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: lexisnexis consumer center provided information to XXXX XXXX is incorrect. They state I had a speeding ticket on XXXX18 I have not had a ticket in over 40 years. They state I had an accident on XXXX18. I have not. My mother was driving my car and she did have and accident my insurance company did pay. I was not there. I tried getting a hold of this company but you can not They say that they will send a copy of my report within 30 days but my insurance company cancels my policy in 17 days I paid for a copy of my driving transcript with wa state dol and there is nothing on my record XXXX is my auto company coverage and they show nothing So I want to know where they are getting this information?
Company Response:
State: WA
Zip: 98409
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
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: when i reach out to XXXX and XXXX about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY under dispute icon Currently Under Dispute all not mine
Company Response:
State: TX
Zip: 77536
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: LexisNexis is reporting an accident on my insurance report that took place in XXXX. In XXXX, I discovered this information when switching insurance companies. I was not involved in the accident. I was not in the vehicle, the vehicle was not in my name, I was not even in the city it took place in. I disputed the information, sent in the documents and received a letter from LexisNexis that it was removed. Now, 3 years later, I am looking into changing my insurance company again and this accident is showing back up on LexisNexis ' reports. This is holding my insurance premiums XXXX and puts a mark on my record for an accident that I was in no way involved in. I have been trying to get through to them for days with no success. They are reporting information that was disputed and proven to be fraudulent.
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: This complaint is against LexisNexis Risk Solutions for violations of the FCRA for reporting and selling inaccurate information specifically a public ( bankruptcy ) record to the major credit reporting agencies, while stalling my request for an investigation, and ignoring my request for their method of verification. On XX/XX/2020, I submitted a certified letter asking that LexisNexis verify the public record with the Courthouse to correct the information, or delete the bankruptcy record from my report. On XX/XX/2020, I received a form requesting additional information, which I submitted on XX/XX/2020, using certificate of mailing. A few weeks latter I received a letter with no changes to my report. On XX/XX/2020, I submitted a letter using certificate of mailing requesting their method of verification, and NEVER received any response, and the public ( bankruptcy ) record remains on my report.
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A