Date Received: 2020-06-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Reached out to the lexis Nexis in regards to a judgement showing from XXXX XXXX XXXX XXXX from XX/XX/14, requested report And it shows no information but when mortgage company requested info it showed information
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I contacted Lexis Nexis and filed a dispute because they are reporting a bankruptcy disposition date of XX/XX/XXXX to XXXX. However, the disposition date is XX/XX/XXXX. They are also reporting a date reported of XX/XX/XXXX to XXXX. This is also inaccurate. I did everything right and waited two years post bankruptcy to buy a home using my VA eligibility. However, the whole process has been halted for months because when the mortgage company runs my XXXX credit report, they see a bankruptcy disposition and report date of this year ( XXXX ), not the correct date. Because of this, they say I must wait two years from XX/XX/XXXX date reported. This is not right. XXXX closes all disputes and tells me to clear it up with Lexis Nexis. I have repeatedly file a dispute to correct the date via email nd mail to Lexis Nexis. I even supplied Lexis Nexis with my federal court discharge paperwork showing disposition of XX/XX/XXXX. The lady at Lexis Nexis said the reported date of XX/XX/XXXX on the credit shouldnt matter, but it does matter to VA underwriting. In addition the date is not correct and should reflect correct date regardless. I contacted the bankruptcy court and they also stated they do not verify any information for Lexis Nexis or anyone else. They also informed me that nothing else is in our file past XX/XX/XXXX. They said the XX/XX/XXXX was the result of an error or fraud. This needs to be resolved so I am privileged with my rights as a consumer to buy a mortgage and use my VA eligibility. Until the disposition and reported date is correct, I can't move forward.
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I went to receive an insurance quote from XXXX on XX/XX/2020 and there were items listed on one of my consumer reports/C.L.U.E/Lexis Nexis reports that are not associated with me or my name or my driving record. I already ordered a hard copy of my CLUE report and contacted the DMV/MVR and confirmed that these reports are not associated with my name or with my driving record. I have a very common name and I am sick and tired of predatory companies forcing incidents/reports onto my record when in all actuality they are not associated with me at all. I received an email from my insurance company today, XX/XX/2020 stating that they removed the incidents from my record but Lexis Nexis added them back again. My insurance company and Lexis Nexis can clearly see that this is a totally different person. The only explanation that was given to me, is that me and this other person have the same first name ; XXXX. That is an unacceptable explanation. I was also provided with the name of XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am not affiliated with any of these people or companies. This lack of proper reporting has impacted me financially and should be illegal. I have been a resident of Wisconsin my entire life. XXXX XXXX XXXX does not even provide services to Wisconsin residents. I have not been able to verify XXXX XXXX XXXX XXXX or find them online. I have personally contacted all parties involved asking for an explanation and dispute the report. XXXX is affiliated with the XXXX XXXX XXXX How can this unfair and unsubstantiated reporting practices happen to people? What is the explanation? This is financially and mentally impacting my livelihood. I am disgusted with Lexis Nexis and there inability to correctly report information. This is fraud and should be illegal. I will be taking additional action based off of my rights as a consumer through the Fair Credit Reporting Act. This type of practice is illegal and only serves the interest of multi-million dollar companies fraudulently reporting to increase their profits at the cost of the consumer. Sad to say ... ..but this is the American Way!
Company Response:
State: WI
Zip: 53511
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-27
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: To Whom It May Concern On XX/XX/2020, you alleged that you " verified '' a bankruptcy because it matches an address that I've never lived at. You also claim that it is verified because of the last 4 digits of a social security number. You cant verify someone with 4 out of 9 digits of a social security number. Since youve already conducted your investigation I am requesting proof that you have investigated this matter and the people youve spoken to directly. I also need signed documents and anything with my ACTUAL address on it. Otherwise, you are lying about an investigation and violating my rights under the FCRA. You mentioned you obtained this incorrect information from Pacer. I created my own Pacer account and discovered the case number you have on my report with Pacer has someone elses address. Pacer says this account belongs to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. I keep providing proof that my address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. Also, Pacer does not give the entire social security number. It just says XXXX. How can you complete a thorough investigation in accordance to the FCRA when Pacer has someone elses address and doesnt have the entire social security? REMINDER : Simply typing in my name into a database that has inaccurate information is NOT an investigation. You did not conduct a thorough investigation. If you did you would know that there is someone in the XXXX area with the same first and last name as me who is XXXX and married. I provided proof of this and you ignore it for no reason. I am asking you to adhere to the law and provide me PROOF of an investigation. Meaning : People youve talked to and their contact information, documents with my signature, documents with my actual address. If you can not produce these documents than you MUST delete this from my credit report. According to FCRA Section 5 ( a ) ( i ) If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; Your investigation resulted in an inaccurate address and an incomplete social security number. You also never produced any documents with my signature or drivers license on it. Attached is a background site saying there is someone of a different race and marital status with the same name who lives at the alleged address Attached is my driver 's license with my actual address Attached is a bank statement with my actual address Attached is proof that Pacer has an address that isn't mine and an incomplete social security number Attached is a letter from Bankruptcy Court saying the information you have didnt come from them Attached is FCRA saying you must keep accurate and complete information
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2020-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Lexis Nexis Risk Solutions reported an at fault accident ( XX/XX/XXXX ) on my behave. This is inaccurate! I have police reports to supply if needed. I was also fully insured at the time of the rear end accident that I was in. A copy of City of XXXX IL Police accident report # XXXX can be referenced and sent to your agency. Please direct me on how to correct this inaccuracy.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I've sent several letters to Lexis Nexis and XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items XXXX was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote XXXX a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from Lexis Nexis, I then wrote Lexis Nexus who said they obtained the information from XXXX. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX deleted the information with no problem because they under the courts does not report to them. Lexis Nexis is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my LexisNexis account since XX/XX/2020. SO HOW is it that XXXX said they verified this information with LexisNexis since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I requested Validation of an account being reported by Lexis Nexis. I have information from the original account holder that states they have never given any of my information personally to Lexis Nexis or any other data furnishing company. I sent Lexis Nexis a validation letter on XX/XX/2020, which they received on XX/XX/2020 certified mail. I have not received any mail from them to date.
Company Response:
State: WI
Zip: 53213
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2017 I received a letter from PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. stating that my Driver 's License Number has two photo images of two different individuals on that record.I wish your office could find out when the fraud was formed!
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: lexis nexus report public records not correct
Company Response:
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I contacted LexisNexis on XX/XX/2020 as old judgements, more than 5 years old and also were filed and discharged with Bankruptcy Chapter XXXX and XXXX. I sent in all the proper documentation from my attorney and also explaining the statue of limitations had also expired. I explained this was halting the closing on my home yet they still have not corrected any of the information. This information is no where on my 3 credit bureaus as they have all came off due to statue of limitations and they were in the bankruptcies. Contacted XXXX XXXX on XX/XX/2020 and left message for Bankruptcy department asking to remove the incorrect information of balance owed {$950.00} and reporting past due as this was included in Chapter XXXX payment plan and paid in full as agreed to plan. The information was removed from my XXXX report however not XXXX or XXXX. I have left messages daily again with the Bankruptcy department as and have received no communication. I have reached out to the local branch to the manager and have also received no communication stating this is not their problem. I have sent in all documentation pleading for help as I need this cleared up asap however zero communication.
Company Response:
State: OK
Zip: 74008
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A