Date Received: 2020-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently learned that a Judgement was placed on LexisNexis report, from XXXX, I have no knowledge of, that is hindering me from refinancing my home. I suspect identify theft. I never knew I had ( or heard of ) a LexisNexis credit report. XX/XX/XXXX, I learned from my lender that a company, XXXX XXXX XXXX XXXX, filed a Civil Judgement against me in New York. LexisNexis has sent me a copy of my report ( see page attached ) stating that the filing number and the amount was for {$150000.00} in XXXX XXXX XXXX XXXX, XXXX, NY. It also has a company name listed that I incorporated in Nevada but closed in XXXX XXXX attached ) and I usually go by maiden name for business this is listed under my married name. This judgement has NEVER appeared on any of the 3 main bureaus. I'm curious as to why, if it's suppose to belong to me, it was filed in New York. I've always lived in California. I've never been to XXXX, NY. I don't know where it is. I've never heard of this company. I've tried to request information on the account, they're crediting to me, from the company but haven't found a way to communicate. Everything I've seen concerning them says they're out of business.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Please see my attached documents..My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Company Response:
State: OH
Zip: 44095
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : 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 XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I filed a dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX the company told me they forgot to do the dispute for XXXX, XXXX XXXX XXXX, which was included in my Chapter XXXX bankruptcy that was Discharged, also the statue of limitations has expired on this judgement, they also assured they would be expediting the dispute. On XX/XX/XXXX I spoke with LexisNexis and they assured me it was fully removed from my report. On XX/XX/XXXX my lender ran my report and it is still showing on my report and i reached out to LexisNexis and they said they forgot to dispute it even though they have the bankruptcy information and the release of judgment. I have been in the process of purchasing a home and LexisNexis is causing me to lose this home due to their lack of effort.
Company Response:
State: OK
Zip: 74008
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis has been reporting information to the credit reporting agencies without my written consent. I contacted the bankruptcy court and they did not release the information to them. My rights have been violated by LexisNexis and XXXX and my reputation has been damaged as a result of their false reporting.
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Re : Request to investigate and delete Bankruptcy Dear Sir or Madam : While checking my consumer report with LEXIS NEXIS Consumer Disclosure Report I noticed a bankruptcy. This is a formal notice that you are in violation of the FEDERAL FAIR CREDIT REPORTING ACT and THE FAIR COLLECTION PRACTICES ACT. You have failed to verify the validity of this claim. Having this bankruptcy reporting a public information lead to derogatory information reporting to my credit reports with XXXX XXXX XXXX XXXX The FEDERAL FAIR CREDIT REPORTING ACTS ( FCRA ) states " a third party data furnisher can not sell, transfer, or report information. Records show that Chapter XXXX Bankruptcy was filed XX/XX/2017 case:XXXX. I have no knowledge of how this bankruptcy reported to LEXIS NEXIS Consumer Disclosure Report. You are not at liberty to report or verify the validity of this claim. I contacted United States Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They specifically stated that they do report information to credit bureaus nor do they sell or transfer information to data furnisher. You are entilted by federal law to conduct a reasonable investigation into this claim. You are also in violation of a number of federal laws that were created to protect consumers : defamation of character, illegally selling and reporting information to data furnishers. Having this bankruptcy reporting on my lexis nexis consumer disclosure report is a misrepresentation of my true credit worthiness as it as affected my FICO SCORE with the credit bureaus. You have no means to verify the validity or accuracy of this bankruptcy due its origin being illegally reported and sold to other data furnishers on your behalf. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, State and Local advocacy group, and The Attorney General. I request to receive notification via mail once the investigation has been concluded.
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I learned today from my car insurance company that I my policy was increased due to LexisNexis reporting that I have an at-fault car accident that in fact was not my fault as per the police accident report. I have been paying a higher premium for years due to this error and I can not understand why this was done. According to the accident report, I am clearly labeled as V2. In the officer 's summary, it explicitly states " V1 CROSSED THE CENTERLINE TO PASS V2 CAUSING THE CRASH ''. Again, being V2, I was deemed not responsible for this accident.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: There are two incidents on my insurance company report increasing my rates. The first is for a comprehensive claim on XX/XX/XXXX. I never filed a claim or even had an incident to report or claim during that time period. ( I did address this with XXXX and they sent me to Lexus Nexus for both my issues - and they do not get you to a real person. the automated hangs up once I try my name ) the second is for XX/XX/XXXX. at the time we had XXXX XXXX. I came out of XXXX XXXX to find a hole in the back of my XXXX XXXX. I called the insurance company about it and they suggested I have an adjuster come out so I did. They said if it was hit and run not my issue. the adjuster came out and said it was around {$800.00} damage and that I would have to pay the {$1000.00} deductible to fix it. I refused the claim. But was confused by his findings since the damage was done by someone else. both these incidents are causing a huge increase in my insurance. I have not made any claims in the last 5+ years with either of these insurance companies. ( We only switched because XXXX doubled my policy amount ) XXXX told me I could dispute both of these but can not get a live person at Lexus nexus. Can you please help. our policies are always paid on time, and up to date and consecutive. We have no claims. thank you
Company Response:
State: MI
Zip: 48134
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
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: Lexis Nexis is reporting a Bankruptcy to the 3 credit bureaus which is inaccurate. When I disputed the item with Lexis Nexis and asked to know the source of information, I received 3 responses. Their first response was that the Bankruptcy did not exist. The second response stated that the bankruptcy is accurate yet does not provide their source of the information. I've contacted the Clerk of Courts in Georgia 's XXXX XXXX, who state they do not have any information with my name and social attached to a bankruptcy.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i was victim of identity theft several account were open fraudulent
Company Response:
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A