Date Received: 2020-05-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified with all three credit bureau false information. ( that I completed a bankruptcy ). Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately to credit reporting agencies and I can tell you its not LexisNexis are reporting false information that is affecting my life and my credit. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally please provide a complete bankruptcy repayment plan issued by the court and provide discharge final decree or order closing your case.., please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature but you are sharing this information to the credit bureau. I am again formally requesting a copy of any documents, bearing my signature, showing that I had a legally binding contractual obligation that I paid off the alleged bankruptcy. This is alleged to have been dismissed paid in full with a copy of the final decree signed by the judge and myself ending the bankruptcy. If you can not provide me this information that you claim is accurate, the removing this information now to stop the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting and must be removed immediately or I will report the to the XXXX of this unfounded volaction.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XXXX WAS LISTED ON OUR BK XX/XX/XXXX- XX/XX/XXXX AND IS STILL APPEARING ON OUR XXXX CREDIT REPORTS.SEE ATTACHED, MANUALLY NOTIFY XXXX THAT OUR CREDIT FILES ARE SUPPRESSED AND MUST REMOVE VIA DELETION LETTERS.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
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: Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that XXXX, XXXX, XXXX and Lexis Nexus provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: my HOMEOWNERS INS. JUMPED {$390.00} BASED UPON THEIR ADVERSE RISK REPORT TO INS. COMPANY. INITIATED A REQUEST FOR DISCLOSURE OF MY REPORT, ( A HARD COPY ) INSTEAD THEY SENT ME A LETTER WITH INSTRUCTIONS TO ELECTRONICALLY ACCESS REPORT, SAYS THAT I'LL BE ASKED TO ENTER A PIN #, WELL XXXX, NO WHERE IS IT ASKING ME TO ENTER PIN #. SO HERE IT IS SINCE XXXX XXXX AND NO INFORMATION!!
Company Response:
State: KY
Zip: 425XX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : 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 , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
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: XX/XX/XXXX I requested that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. They failed to do so I then sent a second verified letter that is attached below pointing out all of the inaccuracies and they still failed to remove at this point im filing a complaint because they are in compliance with the FCRA ... LETTER 1 READS Dear LexisNexis : I obtained my consumer reports from XXXX, XXXX and XXXX. Upon reviewing my credit reports, I noticed there was a Bankruptcy listed on each of my credit reports. I was also informed that LexisNexis ( your agency ) furnished this information. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Original Creditor would be the Bankruptcy Court itself, not LexisNexis. The Bankruptcy Court has mailed me a letter XXXX see attached ), which emphatically states that THEY DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, ( and/or other third-party providers ) who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAWS. My inquiry to the U. S. Bankruptcy Court confirmed LexisNexis has never validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. LexisNexis needs to provide me with copies of all documentation associated with this Public Record Account bearing either : ( 1 ) a court order to place this information in my credit report, or ( 2 ) my authorization of release, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately and permanently deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring all my credit reports. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims. I will be seeking no less than {$5000.00} in damages for, but not limited to : ( 1 ) Defamation ; ( 2 ) Negligent Enhancement of Identity Fraud ; ( 3 ) Violation of the Fair Credit Reporting Act. Sincerely, XXXX XXXX ENCLOSED : My Drivers License MY most recent utility bill Letter from the United States Bankruptcy Court
Company Response:
State: OK
Zip: 74115
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-17
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: LexisNexis is a consumer reporting agency that sells a variety of types of reports about consumers. Two of LexisNexis ' types of consumer reports are called CLUE Property and CLUE Auto, which contain information about a consumer 's property insurance and auto insurance claims history, respectively. The CFPB is aware of these reports : https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/comprehensive-loss-underwriting-exchange/ In prior years, I was able to obtain my CLUE Auto and Property consumer reports for free annually from LexisNexis as required by federal law. This year, LexisNexis has changed their consumer report web site. The new site at https : //consumer.risk.lexisnexis.com provides a web form for requesting a full consumer disclosure from LexisNexis. I requested my full consumer disclosure from LexisNexis using this web form on XX/XX/2020. LexisNexis recently provided me my consumer disclosure in response to this request, but the disclosure did NOT include my CLUE auto and property reports as expected. The disclosure I received is therefore not a full file disclosure and I do not know what else might be missing. The changes to the consumer disclosure web form on LexisNexis ' web site does not provide an option to request these CLUE reports, nor does it enumerate the types of reports that LexisNexis creates about consumers. This makes it impossible for your average consumer to know if their LexisNexis consumer disclosure actually contains all the information LexisNexis is required to provide. I know the CLUE reports are missing because I have received them in past years, but the average consumer has no way to know. LexisNexis needs to provide me with my FULL file disclosure, including ALL information that it stores about me. LexisNexis also needs to fix their consumer disclosure web site and internal processes so that ALL consumers receive full and complete disclosures in response to a request.
Company Response:
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2020-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Reached out to company via telephone and email, no response.Requesting info be removed from my file
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: The company is LexisNexis. My case number is XXXX. They sent me a letter with a pin code to access my report. It is not being recognized by their automated system. I tried to fill out the required info on their automated system only to be rejected. I tried to speak to an agent by selecting the prompt when asked. It terminated my call. This happen several times. I find LexisNexis of XXXX, XXXX to be willfully evasive.
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
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 have dispute this item serval times I never file bankruptcy lexis nexis said the remove from my report XXXX and XXXX XXXX are still report error on my credit report
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A