Date Received: 2020-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I purched a new car and was put on my fiance insurance. And was told that I had an accident on XX/XX/2017. I have never had a license or driven in my life. I called lexisNexis on the XXXX of XXXX to dispute the accident claim and was told that it happened to a person with the same name but opposite gender as me in a state I've never resided in. A month later I was informed that the dispute was denied due to my relation with someone I do not know. I have reopened the claim on XX/XX/XXXX and got denied again and reopend on XX/XX/XXXX and currently have not heard back.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2019 I submitted an " opt-out request '' request from LexisNexis not to share my public information. I am challenging the validity of the legal process in which this information was shared. I am asking the Experian credit Bureau to remove this item from my credit report due to the improper process used to post this public information.
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2020-04-19
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: Personal information incorrect
Consumer Complaint: I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL Lexis Lexis, XXXX, XXXX, XXXX XXXX. Please remvoe the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43209
Submitted Via: Web
Date Sent: 2020-04-19
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: sent ftc for bankruptcy that lexisnexis is reporting XXXX XXXX and other information about me is not correct filed FTC
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am challenging the information listed on the response from LEXISNEXIS with facts directly from the reporting site in which they claim they investigated this issue in the first place. In their response they state " Through a recollection of the bankruptcy record, LexisNexis determined that the name, address, and last XXXX digits of the social security number originally filed on the full bankruptcy docket obtained from Public Access to Court Electronic Records ( PACER ) match Ms . XXXX name, current address XXXX XXXX XXXX XXXX XXXX, FL XXXX and full social security number reported to LexisNexis by the nationwide consumer reporting agencies. There is misinformation in this statement. They claim they verify the last four of my SSN to match the information listed in PACER however in the next line they state they verified my FULL social as a match. How can this be? Per PACER 's information listed " In a XX/XX/XXXX session, the Judicial Conference approved amendments to the Federal Rules of Bankruptcy Procedures and the Official Bankruptcy Forms. The amendments implement the conference policy on privacy and public access to electronic case files. These amendments took effect at all courts on XX/XX/XXXX. As a result of this decision, only the last four digits of the SSN are displayed on all reports. If the full social can not be verified on this documentation how can this be accurate information? Furthermore I do NOT believe you reinvest-gated anything staff for several companies including XXXX XXXX is down due to on-going stay at home orders in place. How was a re-investigation completed in less than a week after my complaint was submitted?
Company Response:
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: FTC VIOLATIONS BY ALL ATTACHED
Company Response:
State: TX
Zip: 77632
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: US BKPT CT GA XXXX # XXXX LEXISNEXIS IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ) They Infringed upon my right to privacy as a consumer. ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. LEXISNEXIS IS IN VIOLATION OF 15 USC 1681b. ( a ) ( 2 ) I never gave them written consent to furnish this information. There is no such thing as public information a consumer has a right to privacy. a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.
Company Response:
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A