Date Received: 2020-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: opted out dont to report to lexis nexis ftc violations
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: LexisNexis has a phone number from 10 years ago. I have been calling since XX/XX/2019 to get it updated to no avail. I don't understand why they will not make any updates.
Company Response:
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX I sent two Certificate Letters to LexisNexis ( XXXX ) and ( XXXX ) in order to validate the accuracy of the accounts which reported by US Bankruptcy Court negative information : US BANKRUPTCY XXXX. # XXXX and Bk # XXXX Its been more than 30 days since received my certificate letter to complete the investigation, and as of today I havent received any answer from them. On XX/XX/XXXX I proceed to send other Certificated Letter : ( XXXX ) indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. I am filling this complaint because LEXISNEXIS has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent by USPS. Please, resolve this matter as soon as possible and thanks for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: PR
Zip: 00969
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX CT GA XXXX Public Record REF # XXXX .... The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. XXXX XXXX CT GA XXXX Public Record REF # XXXX .... The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. View your Report | XXXX XXXX CT GA XXXX Public Record REF # XXXX .... The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. View your Report US XXXX CT GA XXXX Public Record REF # XXXX .... The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. View your Report US XXXX CT GA XXXX Public Record REF # XXXX ....
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I received a response to previous disputes XX/XX/XXXX # XXXX dated XX/XX/XXXX. Under the FCRA this response is over 30 days and untimely. LexisNexis responded to this complaint timely but not respond to my initial dispute letter sent to them XX/XX/XXXX. Also in the attached letter they stated they verified a bankruptcy through PACER which is a public record with public access. This information was not received from the furnisher which is the Pennsylvania Federal Bankruptcy Court-XXXX. Bankruptcy Court sent me a letter stating they do not give out personal information. Under the FCRA Section 623 ( a ) ( 1 ) ( A any information reported must come from the furnisher and must be complete, accurate information. LexisNexis has stated that the public record from Pacer matches my name and address and social security number. Then Lexis Nexis goes on to say the last 4 digits of my social security. The last 4 digits is not the same as my full social security number. How can you identify me from the last 4 digits of social security number and there are millions of people in the world with the same last 4 digits? This is not complete information. Provide my full social security number, my full name and address from the furnisher of this information which is Bankruptcy Court. Public records/Pacer is not an accurate source of information it's public record and has many errors.
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XX/XX/XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Sent all Ftc violation They just updated Are The company XXXX the Ftc? Do they make decisions over what the Ftc deem violations?
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I filed a bankruptcy in 2014, I did not consent for XXXX XXXX to look into my records and send it to credit bureaus. Is this legal? I had bankruptcy for four months and cancelled it ... why do we have to suffer for 7 years of bad credit? Thank you, XXXX XXXX
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX 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 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, 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, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( 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: 43207
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is a huge problem with LexisNexis, they can lie to insurance companies about anyone so the insurance co can charge you more money. This is fraud in the worst way because it's legal and nobody cares who it effects. My insurance premium has been adversely affected by LexisNexis with no reason code or description. This must happen to millions of people for homes, vehicles, boats, motorcycles and more. This co needs to be put out of business. How can they do this to our Veterans and the most financial secure people in this country. They have been getting away with this for years. I wish I could sue them for every extra $ XXXX had to pay over the lowest available premium. Lets see what all my years of Tax money can do for me and my family and countless others ... ..
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A