Date Received: 2020-04-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have filed two credit disputes with LexisNexis in regards to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. LexisNexis responded to my last request. The response letter was dated XX/XX/2020. LexisNexis stated on page 2 the following, " After a reinvestigation of the data in question, LexisNexis verified that bankruptcy case number XXXXXXX is accurately reporting on your LexNexis Risk View Report. '' LexisNexis did not provide the original documentation bearing my signature or their method of verification in this matter.
Company Response:
State: LA
Zip: 70634
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is A FRAUDULENT bankruptcy being reported under my name inaccurately. I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX the filing date is listed XX/XX/XXXX however XXXX lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. XXXX Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
Company Response:
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
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: On XX/XX/20 I received a letter from Lexis nexus would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX and XXXX which continue to state that the bankruptcy is verified and refuse to remove it
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Notified Lexus Nexis XX/XX/2019 that a fraudulent bankruptcy was being reported on my credit report
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FTC VIOLATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Company Response:
State: TX
Zip: 77578
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The Credit Bureaus and LexisNexis are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased
Company Response:
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XX/XX/2019 my wallet is stolen.The perpetrator tried to open two credit card accounts under my name XXXX XXXX, I had the two credit cards removed from my credit history with XXXX. I notice on my credit history a bankruptcy on my account under the name and a middle initial ( XXXX XXXX XXXX XXXX, I had XXXX and LexisNexis investigate this matter. My name is XXXX XXXX XXXX XXXX, No middle Initial. I called the bankruptcy court and i was informed that The U.S. Bankruptcy Court, XXXX XXXX of California does not report information to any credit reporting agency. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 c ( a ) 1, LexisNexis and XXXX are refusing to remove and delete this bankruptcy.
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, I received a notice of cancellation from the insurance company providing my Homeowners policy. The reason stated was that they reviewed my claim history from the Comprehensive Loss Underwriting Exchange ( CLUE ) database provided by LexisNexis. The cancellation notice contained a record of a claim for water damage that I did not recognize. On XX/XX/XXXX, I contacted LexisNexis and was told that a new claim for a loss that happened on XX/XX/XXXX was added to the database under my name. After further review, it was clear to the LexisNexis clerk and myself that this was an error since this claim belonged to a person with a similar name but lives in a different state and was insured by XXXX XXXX XXXX XXXX XXXX which I have never done business with. I filed a dispute to have this record removed and a request for a report of all my records. On XX/XX/XXXX, LexisNexis sent me a letter stating they had verified that their claim information was correct for this dispute. I immediately called and initiated a new dispute but i have to believe that little to no effort by LexisNexis was dedicated to adjudicating this dispute since it is obviously a different person with a different SSN. Relative to the report request I made, LexisNexis sent me a letter which I received on XX/XX/XXXX with a URL to access my CLUE information. The number of records in this report and the amount of inaccuracies was stunning. The report has these sections : Identification Records, Address Characteristic Record, Phone Records, Business Association Records, Online Marketing Records, Property Deed Records, Property Assessor Records, Insurance Policy Records, Automobile Insurance Claim Records, Property Insurance Claim Records, and Inquiry Records. Within these sections there were over 65 areas where the information was incorrect and obviously related to other people with a similar name. On XX/XX/XXXX, I called LexisNexis and disputed all approximately 65 inaccuracies. The other cause for grave concern was the amount of Personally Identifiable Information ( PII ) that LexisNexis is exposing when they provide reports intermixed with different individuals information. This report has SSNs, email addresses, cell numbers, addresses ( both past and present ), spouse names, policy numbers, mortgagee, etc. This is extremely sensitive information that should be addressed by CFPB to ensure that LexisNexis implements better protective measures with this information in the future.
Company Response:
State: IN
Zip: 47403
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ftc violaitons on the reports
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contact the four major credit bureas and lexis nexis regarding a mortgage account that is on my credit. The credit agencies XXXX, XXXX, XXXX, XXXX responded that the information was accurate and updated the mortgage balance to 100 % more than the last amount I disputed. Now these reporting companies claim I won a {$790000.00} Home when I disputed it the home loan was only {$79000.00}. How did this increase over {$700000.00} which is clearly a mistake and is not my own loan. Lexis Nexis has feed records which these company claim that is what was used to verify however the deed records I disputed has an incorrect name!!!! Its not my name!!!!
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A