Date Received: 2020-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX ( Member Id. XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( Account number XXXX Collection opened XX/XX/XXXX Balance on XX/XX/XXXX {$200.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : XXXX XXXX XXXX, Complainant DOB : XXXX/XXXX/XXXX SSN : XXXX Prior CFPB Complaints : XXXX : ( XX/XX/XXXX ) XXXX : ( XX/XX/XXXX ) Notice of Dispute for Debt Not Due Under the Fair Credit Reporting Act Complainant, XXXX XXXX XXXX, a resident of XXXX XXXX, XXXX County, Texas, brings before the Consumer Financial Protection Bureau ( CFPB ) this Complaint against XXXX XXXXXXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), Lexis-Nexis ( Lexis ) and XXXX ( XXXX ), Consumer Reporting Agencies, collectively referred to hereinafter as ( CSAs ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) for : a. The reinsertion in his consumer files by the CRAs of previously deleted items of information, unverified and uncertified for accuracy furnished by XXXX, that Complainant is indebted to XXXX to the sum of $ {$200.00} without notice to Complainant of the reinsertion within five ( 5 ) days of the reinsertion, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) and, further, to b. Dispute the validity of the reinserted information as provided pursuant to 15 U.S.C. 1692g, and in support hereof presents : 1. On or about XX/XX/XXXX, XXXX, a third-party debt collector, opened a collection action on behalf of its principal, XXXX, to collect a balance allegedly due XXXX by Complainant to the sum of {$200.00}. ( See : Account No. XXXX ). On or about XX/XX/XXXX, XXXX reported its collection action to the CRAs for inclusion in Complainants consumer files. 2. On XX/XX/XXXX, Complainant registered Complaint with this agency against the CRAs and XXXX XXXX XXXX XXXX XXXX XXXX, a third-party debt collector, seeking resolution for the exact same issue. ( See : CFBP ID. Nos. XXXX and XXXX ). 3. Upon reinvestigation it was determined that I was not indebted to XXXX to the sum of {$200.00} XXXX and the information was DELETED from Complainants consumer files with the CRAs and remained so until XX/XX/XXXX. 4. The only difference is that upon those complaints the third-party debt collector acting on behalf of XXXX was XXXX and not XXXX. The fact remains, however, that the information furnished the CRAs regarding Complainants alleged indebtedness to XXXX is the same information that was determined to be inaccurate and deleted from consumer files. 5. Annexed hereto is a copy of CFPC Complaint submitted on XX/XX/XXXX. For the reasons assigned therein I DISPUTE and REASSERT that the information furnished the CRAs by XXXX to as to my indebtedness to XXXX is inaccurate, false, misleading, unverified and AGAIN warrants REMOVAL from Complainants consumer files with the CRAs. Pursuant to the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ), CRAs are obliged to adopt reasonable procedures to prevent the reinsertion in consumer files previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by debt collectors and other furnishers of information. 6. As the reappearance and reinsertion of information regarding Complainants indebtedness to XXXX into Complaints consumer files appears to be an annual event ( every XXXX like clockwork, with the only difference being the identity of the debt collector ), Complaint asserts that the CRAs have willfully and negligently breached their obligations to adopt reasonable procedures to prevent the reinsertion in consumer files previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by debt collectors and other furnishers of information in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ). 7. The foregoing considered : Complainant respectfully requests : ( a ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). ( b ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). ( c ) Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to XXXX, XXXX, and XXXX consumer agencies by XXXX. ( d ) The CRAs cease and desist from reinserting into Complainants consumer files previously deleted items of information regarding Complainants indebtedness to XXXX irrespective of the identity of the debt collector. Riding upon this merry-go-round every year regarding a BOGUS debt claim is getting OLD. Moreover, its illegal and constitutes HARRASSSMET under the terms of the Fair Credit Reporting Act. Neither any other Complainant nor I should have to endure this scenario year-after-year. 8. The CRAs, XXXX, and XXXX are hereby put on notice that if SUSPENSION of collection activities, including the removal from Complainants consumer file of the previously deleted information complained of, are not effected withing thirty days of receipt of this Complaint, suit will be filed for damages, injunctive, and other available relief in a court of competent jurisdiction. Again, this manure needs to STOP. 9. A copy of this Complaint is being submitted to the Attorney General for the State of Texas for receipt and treatment as a consumer complaint before that Office as permitted by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78852
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, IA XXXX Re : XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX Notice of Dispute for Debt Not Due Under the Fair Credit Reporting Act Complainant, XXXX XXXX XXXX, a resident of XXXX XXXX, XXXX XXXX, Texas, brings before the Consumer Financial Protection Bureau ( CFPB ) this Complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, Consumer Reporting Agencies, collectively referred to hereinafter as ( CSAs ), XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for : a. The reinsertion in his consumer files by the CRAs of previously deleted items of information, unverified and uncertified for accuracy furnished by XXXX, as agent for XXXX that Complainant is indebted to XXXX to the sum of {$230.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX rendered unto complainant on XX/XX/XXXX, unverified and uncertified for accuracy without notice to Complainant of the reinsertion by the CRAs within five ( 5 ) days of the reinsertion, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) and to b. Dispute the validity of the reinserted information as provided pursuant to 15 U.S.C. 1692g, and in support hereof presents : 1. As reported to the CRAs on XX/XX/XXXX, for inclusion in Complainants consumer files, XXXX, a third-party debt collector, on XX/XX/XXXX, opened a collection on behalf of its principal, XXXX, to collect a balance allegedly due XXXX by Complainant to the sum of {$220.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX rendered unto complainant on XX/XX/XXXX. ( See : XXXX Account No. XXXX ). 2. Annexed hereto is a billing statement from XXXX for XX/XX/XXXX, which reflects a XXXX balance. As there is no balance due XXXX for services rendered to Complainant on XX/XX/XXXX, there is no debt due XXXX by Complainant or XXXX or other services rendered on that date and hence Complainant challenges the validity of the debt alleged pursuant to 15 U.S.C. 1692g. 3. On XX/XX/XXXX, I registered Complaint with this agency against the CRAs for the exact same issue. See : CFBP Complaint No. XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX, and XXXX ( XXXX XXXX. 4. Upon reinvestigation it was determined that I was not indebted to XXXX to the sum of {$220.00} for XXXX XXXX rendered on XX/XX/XXXX and the information was DELETED from my consumer files with the CRAs and remained so until XX/XX/XXXX. 5. The only difference is that upon those complaints the third-party debt collector acting on behalf of XXXX was XXXX and XXXX and not XXXX. The fact remains, however, that the information furnished the CRAs regarding Complainants alleged indebtedness is the same information that was determined to be inaccurate and deleted from consumer files. 6. As per the attached XXXX statement, the same result is warranted : Removal from my consumer files of the inaccurate and disputed information of my indebtedness to XXXX to the sum of {$220.00} for services rendered on XX/XX/XXXX. 7. At no time prior to XX/XX/XXXX did either of the CRAs provide Complainant with a statement that the previously deleted items of information were being reinserted into my consumer files, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ). 8. Additionally, ACA may want to inform its principal, XXXX that in fact it is XXXX who owes me. 9. As of XX/XX/XXXX, Complainants primary health insurer was XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. XXXX Id. XXXX. 10. Moreover, Complainant had secondary health insurance p XXXX XXXX and XXXX XXXX of Texas ( XXXX ), a XXXX XXXX XXXX ( XXXX ) organized and operating under the laws of the State of Texas, through its parent company, XXXX XXXX XXXX XXXX, with its principal place of business at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 11. Primary insurance is the insurance that pays its portion medical claims first. XXXX XXXX insurance is the insurance that pays the remainder of the medical claim. Medical claims are submitted first to the primary insurer and that plan pays out the maximum amount an insured is allowed. After the primary insurer pays, then and insured 's secondary health insurer helps to cover the rest, including co-insurance. 12. At all times pertinent, XXXX was a participating provider within the both the XXXX and XXXX networks, meaning that XXXX, XXXX, and XXXX negotiated by contract the amount of payments that XXXX would receive from XXXX and XXXX for services provided ( less plan discounts ) including XXXX. 13. For the XXXX services provided on XX/XX/XXXX, XXXX submitted a claim to XXXX to the sum of {$5600.00}. As per its contract with XXXX, the maximum amount XXXX allows for an XXXX is {$220.00}, which it paid, leaving Complainant with a co-insurance balance of {$200.00} 14. XXXX also submitted the {$5600.00} claim to XXXX. Less, plan discounts negotiated between them, XXXX paid XXXX the sum {$860.00}, which more than satisfied Complaints co-insurance balance of {$200.00}. ( As secondary insurer, XXXX was obliged only to pay the {$200.00} ). 15. XXXX was paid by both XXXX, as primary insurer, and XXXX, as secondary insurer, in accordance with their negotiated payment agreements. Hence, as the XXXX statement reflects, I owe XXXX nothing. In fact, it is XXXX which received an overpayment of {$660.00}, which it actually owes me, and which I hereby demand from its agent, XXXX. 16. The foregoing considered ; I respectfully request : ( a ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). ( b ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). ( c ) Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to XXXX, XXXX, and XXXX consumer agencies by XXXX. ( d ) Payment from XXXX on behalf of its principal, XXXX, to the sum of {$660.00}, for unjust enrichment for overpayment of a thing not due. 17. XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX. XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX. XXXX Collection agency may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia. XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78852
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
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 just received a response from lexis nexus from CFPB about a bankruptcy I disputed that they have on my profile. Not only did they say they verified this through a public source pacer but they said they verified my last four digits of my social security number and date of birth. According to the FCRA they need to verify my full identity not just the last four of my ssn. Social security numbers are only unique in the first five digits. This is against the fcra
Company Response:
State: CA
Zip: 93635
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I AM A VICTIM OF ID THEFT. A BANKRUPTCY IS REPORTING ON MY FILE AS A RESULT OF THE ID THEFT. LEXIS NEXIS AND XXXX ARE REPORTING IT. LEXIS NEXIS TOLD ME JUST TO SEND THEM THE POLICE REPORT AND THEY WOULD TAKE CARE OF IT. I DID SO AND NOW THEY ARE SAYING UP TO 90 DATS. EVEN THOUGH THE 45 DAY TIMEFRAME HAS EXPIRED. XXXX WERE SUPPOSE TO PROVIDE THEM WITH THE POLICE REPORT.
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I sent in a 30 day demand letter on verification of data furnisher reporting on my file and method of verification. I obtained a letter from the reporting data furnisher stating that they do not report information to the credit bureau reporting the information and the credit bureau sent a item verified letter from a reporting company that i had my files suppressed and froze via a certified letter from LexisNexis. see attached documents.
Company Response:
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had filed a compliant against LexisNexis with the CFPB and due to the company responding my case was closed. The problem still exist and has not been resolved in any way shape or form. I have absolutely no interest in communicating with LexisNexis since they are the offending party to the crime committed against me in the form of identity theft and the egregious violation of my right to privacy. They have no right or authorization to have in there possession my social security and drivers license number, which is a direct violation of my right to privacy. I have uploaded the evidence in the form of documentation that the judgement is fraudulent, since there was a third party involved in the legal action I had to obtain the documentation via legal action to prove the financial harm done to me.
Company Response:
State: WI
Zip: 53154
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have filed multiple disputes with XXXX XXXX and XXXX about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact lexisnexis a company that is reporting information to them. I called lexis nexis in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from lexisnexis to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and lexisnexis refuse to remove this inaccurate information in my file. Also, XXXX XXXX XXXX, and Lexis Nexis are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii ) refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, OH XXXX. I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX accounts yet only one is reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
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've disputed a Bankruptcy on my report and was told by the credit bureaus that they verified the information with Lexis Nexis. I called Lexis Nexis to dispute the information and asked how was this information verified. Lexis Nexis me they received the verification from XXXX and the courts. I emailed XXXX to inquire about this verification process and they stated they do not provide verification of consumer information ( as stated in my attached email ). This is not my account and I've asked for this to be removed from my Lexis Nexis account as well and all three of the Credit Bureaus.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A