Date Received: 2020-06-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. XXXX XXXX XXXX EMAIL : XXXX XXXX : XXXX
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a unverified account the I never done business with XXXX XXXX # XXXX or XXXX XXXX # XXXX.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I submitted a disputed regarding an inaccurate bankruptcy account that Lexis Nexis has under my name and social security number. I also requested Lexis Nexis to freeze any information they have under my name and social security number. I exercised my rights by submitting a written dispute with my name and full social security number. In turn I was refused a freeze and refused a dispute unless I provide them with more personal info e.g. my driver 's license number etc. I already provided them with my full name, address and social security number. This company is providing others inaccurate information that someone else published inaccurately.
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX : AccountS # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau, the highly negative impact on my personal credit report. This account has no information in how to contact the creditor : name of the creditor, address, phone number. This is inaccurate reporting and needs to be removed from my credit inmediatelly in accordance with FCRA section 609 and pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
Company Response:
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis is illegally reporting my chapter XXXX bankruptcy to credit bureaus. I filed my bankruptcy with XXXX County Court. They did not give LexisNexis permission to report to the bureaus, nor did they provide them with this information. Also, LexisNexis cant provide me with proof that the courts provided them this information.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My correct name is _____XXXX XXXX XXXX My correct address is ___XXXX XXXX XXXX , XXXX, Ga XXXX____. There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I tried to switch my car insurance to XXXX in XX/XX/XXXX/XX/XX/XXXX. During the process I received a quote, and as I migrated to the payment screen my rate had doubled because apparently there was an accident on my C.L.U.E . report that I did not list. Confused, I contacted XXXX where they informed me of an accident reported by LexisNexis in XX/XX/XXXX ( the first time I had ever even heard of this company. ) I told XXXX that this was a mistake, as I was recovering from a broken back in XX/XX/XXXX and not driving at all. They told me there was nothing they could do and that I would have to contact LexisNexis to resolve my issue. After giving me a number for LexisNexis, I called right away. I called LexisNexis several times since around XX/XX/XXXX/XX/XX/XXXX. The first time I was unable to reach a live person and after giving all my pertinent personal information to request my C.L.U.E . report I was told I would receive correspondence in the mail within 14 business days. Around a week or two later I received a letter which said they were unable to process my request and provided me with no information at all. After calling XXXX once again they were able to give me a reference number which they said would help me get the information I needed. I gave LexisNexis another call and was once again greeted by a computer which was completely unable to understand any of the information I was giving it ( also there was no option to type in the information using my phone. ) I finally decided to give LexisNexis an email on XX/XX/XXXX to which I received no confirmation or response. To my surprise, on XX/XX/XXXX I finally received a response with the information I requested 2-3 months ago. The incident that LexisNexis reported on my C.L.U.E . report was for a completely different individual ( as I suspected. ) However, it is incomprehensible to me how they got our information confused. We have different first and middle names, different social security numbers ( YES THEY SENT HIS SOCIAL SECURITY NUMBER TO ME ), different addresses, different email addresses, different vehicles, different insurance companies, different drivers license numbers - I am sure you get the point. To summarize, my issue is that erroneous information is being reported on my C.L.U.E . report, which is costing me money. Not only that, but there is no reason for this confusion to happen in the first place. Additionally, and much more egregious, LexisNexis is completely mishandling our personal information ( my own and this other individual. ) I now have access to every address this individual has ever lived at, his social security number, the names of his family members, the make/model/VIN number of his vehicle ( and closely related family members ), even some of his credit history has been disclosed, and much more sensitive information. And I am sure this is a 2-way street. All of my personal information in this file that actually pertains to me is likely being reported to this other individual. At the end of the day, even if LexisNexis were to resolve my issues, I am the one who had to pay more in car insurance. I am the one who had to wait all this time and go through this insane process to clear their mistake. Who knows how much damage was actually caused through LexisNexis 's mistakes? And why is the onus on me to fix their mistakes? Completely unacceptable.
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.
Company Response:
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : 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, OH 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 , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX , OH XXXX
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A