Date Received: 2020-04-24
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 has an obligation according to the FCRA as furnisher of information to notify the Credit Bureaus when there is a change in the information that they furnished. Lexis Nexis did the right thing by Deleting the Bankruptcy from my Lexis Nexis File, However they failed to notify the change to XXXX and XXXX. They failed to Notify XXXX and XXXX of the fact they are no longer considering the Bankruptcy associated with me in there File. Because of this fact XXXX and XXXX kept it on my credit report and when I disputed with XXXX and XXXX they notified me in writing that Lexis Nexis certified to them that the Bankruptcy is still actively associated with me in my Lexis Nexis file. Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) In addition to establishing accuracy requirements, the FCRA requires furnishers to investigate consumer disputes filed with the CRAs about information the furnishers provided. Note that this requirement under 623 ( b ) applies only to disputes that consumers file with the CRAs, which the CRAs forward to the furnisher. Congress amended the FCRA in 2003 with the Fair and Accurate Credit Transactions Act ( FACT Act ), which established a furnisher 's obligation to investigate disputes that consumers file directly with the furnisher.25 Those direct dispute requirements, which became effective XX/XX/XXXX, are discussed later in the article. Investigation Procedures. Under 623 ( b ) ( 1 ), when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. If the furnisher determines that the information it provided was incomplete or inaccurate, it must notify all nationwide CRAs to which the information was furnished of its findings.26 Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.27 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. Duty to Correct and Update Information. A furnisher that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information.16 For example, if a bank reports to a checking account verification service that a consumer 's account was closed with an outstanding negative balance, and the consumer subsequently paid off that balance, the bank would have a duty to report that the balance had been paid off.17 The Bankruptcy was Deleted from my Lexis Nexis File they have a duty to notify the Credit Agencies specifically XXXX and XXXX. My Problem is that Lexis Nexis failed to Notify XXXX that they Deleted the Bankruptcy from my Lexis Nexis Consumer Risk File thus causing XXXX and XXXX to keep it on my credit report and tell me that they certified from Lexis Nexis that it is still showing on my Lexis Nexis File and if I have a problem to contact Lexis Nexis as the Furnisher of Information. This has now cost me thousands and much more every day this sits on my credit report especially with a economy down the toilet. I have consulted with Attorney and expecting to file Suite against Lexis Nexis for failing to Notify the credit bureaus that they have Deleted the Bankruptcy off my file. Lexis Nexis has a duty under he FCRA and they failed to carry out there duty thus causing me much pain and suffering. I simply ask them to Notify XXXX and XXXX at once that the Bankruptcy is Deleted from my Lexis Nexis Consumer File.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Several years ago my ex who is currently XXXX XXXX for this used my ID to get a car and he had wrecks and everything in the car. He got tickets and everything because we look alike and he had my ID, he could pass for me basically. He was XXXX for using my identity and XXXX and XXXX XXXX XXXX where he is in XXXX today. This got it reported to LexisNexis under my name. I got most of the stuff cleared up as you can see by the attached document but LexisNexis states that two claims reported by XXXX were verified. However after I sent XXXX the proof they quickly responded and deleted the claims from name in their system. The weird part though is that they state that while they deleted it from their system they could not delete it from LexisNexis report because they don't have a montly reporting cycle in place. After contacting LexisNexis by phone they explained that this was true. I have no clue why that is nor do I care. However the law states that if it is an invalid account it must be deleted from the credit file and LexisNexis last time I checked compiles consumer reports.
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX from LEXIS NEXIS. Please forward me a copy of my XXXX XXXX and XXXX XXXX reports as well.
Company Response:
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I'm trying to obtain an apartment and this " civil actions for possession '' keeps coming up. 1. On XX/XX/2016 it was filed by LexisNexis XXXX XXXX XXXX XXXX XXXX. Case number # XXXX 2. On XX/XX/2016 it was filed again for same thing. Case # XXXX This was for the XXXX at XXXX XXXX Apartments. I have spoke with XXXX at XXXX XXXX who said that I don't owe them nor have owed them. I paid rent and have never been evicted. I have talked to manager XXXX at time as well as new manager. They both sent me proof I fulfilled my lease as agreed. That I've never been evicted by them and that there's a mistake. I have lroof they sent me showing this as well as how they refunded me over {$3000.00} even stating if I owed them I wouldn't have received my deposit back. So this 3rd party company has ruined my credit reputation and life. They are costing me hundreds and hundreds of dollars because of applying to endless apartments only yo be turned down because of this fraudulent company falsely reporting. They are causing me extreme emotional distress and I need help resolving please. They are about to make me and my daughter homeless!
Company Response:
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Given the options, this track was the one that " best '' fit my issue. Neither I nor my mother have a student loan. On XX/XX/2020, Navient ( XXXX ) called my XXXXyo mother, whom I have POA over, as a hip-shot approach seeking info regarding XXXX XXXX, acct # XXXX. The caller ID 'd himself as XXXX, Employ ID XXXX, on a voicemail. When that failed, he proceeded to call me and left the same voice mail. I called to find out info about this issue and was told my info was obtained from LexisNexis ( XXXX ) and this was an attempt to locate XXXX XXXX, acct # XXXX over a student loan. We do not know XXXX XXXX, acct # XXXX and this is the 2nd time this type of call has occurred in as many months. I feel this is a violation of the DNCR, harassment, and abuse of information. I have since restricted my info at LexisNexis and noticed them of my concerns that their info of my family is being abused by XXXX. I have expended at least 2 hours of my time thus far.
Company Response:
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. The company has
Company Response:
State: TX
Zip: 78414
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/2020-Discovered I was paying a surcharge on my policy because I was deemed at fault based only on the cost of damages after my low deduction that I paid more for. XXXX told me to call LEXISNEXIS after I got the accident report from the police department and pulled my drivers record. 1st call XX/XX/20 went through the automated phone menu-suppose to receive something 5 to 7 days later. Nothing. Asked XXXX for the report # thinking it would help and made 2nd call XX/XX/20 and again got nothing. There is no option to talk to anyone and are given 2 websites so fast I had to call several times to get it. Again nothing. Called XXXX yesterday and they just told me that they can change my policy if I can just get them to change their report. 3rd call today. I have basically had to pay for all damages in raised rates for something I didn't do.
Company Response:
State: PA
Zip: 17042
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - XXXX ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and LexisNexis has certified the bankruptcies filed were confirmed as being accurate. XXXX the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying LexisNexis the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. XXXX sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating LexisNexis has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information LexisNexis, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. LexisNexis had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. I printed a copy of my LexisNexis file, and the bankruptcies were removed I provided a letter from LexisNexis dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and XXXX ) verifying information with LexisNexis the furnisher of information that doesn't exist according to LexisNexis. Unless each CRA can provide to me a copy of their investigation via LexisNexis, that will show a valid and confirmed investigation report with LexisNexis confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or LexisNexis is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and LexisNexis. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
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: XXXX has failed to remove or reinvestigatebthe bankruptcy information they claimed they verified through Lexis Nexis. I have disputed this information 3 times with XXXX. After my first reinvestagation XXXX stated in writing that they verified these bankruptcies ( public records ) as accurate. I have letters from the courts verifying they never verified anything with any CRA period. I also have a letter from Lexis Nexis stating they could not verify the bankruptcy information and that it was also removed from their records. Lexis Nexis stared they filed disputes with each CRA however the inaccurate info is still reporting on my XXXX credit report.
Company Response:
State: IA
Zip: 507XX
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXXall companies listed violated all the above FTC violations
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A