Date Received: 2020-05-28
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 sent a letter to LexisNexis disputing the accuracy of the reporting of a public record. Instead of responding with a result of their investigation, they simply sent a letter talking about an investigation with XXXX, XXXX and XXXX. They are ignoring my demand for an investigation of the facts and reporting of this public record.
Company Response:
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: We were billed erroneously by LexisNexis in XX/XX/XXXX. Pursuant to our service agreement I sent notification in XXXX XXXX that we would be ending our service as of XX/XX/XXXX. When we were billed in XXXX of XXXX I tried to explain that we should not have been billed because we canceled our services. LexisNexis assured me that this was taken care of but for reasons unknown to me the account was moved to XXXX XXXX XXXX, a collection agency. They are trying to collect {$1800.00} and I asked them validate the debt. They sent the XXXX and XXXX invoices in an attempt to collect the wrong amount.
Company Response:
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ON XX/XX/XXXX I submitted in a request to Lexis Nexis to provide specific details of the information that they share/report to the credit bureaus XXXX, XXXX, and XXXX due to the fact iinaccurate information is being reported. On XX/XX/XXXX I received a letter from Lexis Nexis and they have failed to comply with my request and continue to report this information as well as maintain the information in their data for my profile.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am trying to refinance my mortgage and XXXX XXXX is reporting unpaid tax liens which is inaccurate. I have even submitted certified tax lien releases and it is still showing on my credit.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations lexis Nexis didn't remove my public records
Company Response:
State: TX
Zip: 77632
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Account : XXXX XXXX Amount : {$19000.00}
Company Response:
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I requested that LexisNexis Provide me with the method of verification they used to verify the bankruptcy they have shown on my consumer report. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides 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. They did not provide me with this information all they did was respond saying it was verified. I did not dispute it I just requested their method of verification. I have attached the letter I sent and I have also attached LexisNexis response.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Problem with a company's investigation into an existing issue
Subissue: Investigation took more than 30 days
Consumer Complaint: I mailed a certified letter with return signature required to LexisNexis on XX/XX/2020 asking them for the method of Verification concerning the bankruptcy they listed on my file. I did not receive an answer and called them 15 days later and was told they were re investigating the public record. I told them I wanted their method of verification since they had been reporting this on my credit report on different agencies. I finally got their reply today XXXX XX/XX/2020 ) which does not state their method of verification nor any details on their investigation. They are not providing the basic information I have asked for not once but 3 times ( that is why I sent the certified letter ). I am tired of getting the run around.The FCRA states I have the right to the method of verification and yet they continue to deny that to me. I am enclosing all of the documents as proof of my statement.
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I disputed bankruptcy case number XXXX with lexisnexis report. I filed CFPB report stating that the bankruptcy was inaccurately being reported on my LexisNexis report, XXXX and XXXX. XXXX and XXXX responded the information was correct. I am attaching letters from LexisNexis with no record of me and from the Bankruptcy court as well again unable to verify that information. If they LexisNexis has no record of me and the bankruptcy court can not confirm how can they report me?
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 I have disputed a bankruptcy that Lexis Nexis is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, XXXX and XXXX is reporting as the information was verified by Lexis Nexis.
Company Response:
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A