Date Received: 2020-03-30
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
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 the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XX/XX/XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX I am currently XXXX XXXX. Please remove the following employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a full-time XXXX with a very stable financial control and I have a credit score of about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called XXXX from the bank for more details and they denied my new account. That was the first time I heard about this company XXXX and I filled out a form on their website to get a credit report and my credit score, and they reported ~XXXX. and the 2 reasons they gave was, 1. Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about. Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this XXXX had in XXXX and then XXXX. So XXXX mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called LexisNexis organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the XXXX and that why I am reaching out to you. I am attaching all the necessary documents to support my case.
Company Response:
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2020-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: From XX/XX/2013 until the present date the company LexisNexis has been reporting information about me to XXXX, XXXX, XXXX, and all other credit reporting agencies. This information is gather 3rd party from the United States Bankruptcy Court ( Clerk ) of XXXX, Georgia. I did not authorized LexisNexis to share my information. The clerk has sent me a letter informing me that my information was not provided to any credit reporting agency.I have also contacted LexisNexis with the letter provided by the Federal Bankruptcy court saying that the court does not provide any information to the credit reporting agencies.I also sent Lexis Lexis a letter opting out the sharing of my personal information because I am a XXXX XXXX XXXX and this information might place me in danger.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
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: RE : complaint # s XXXX for Lexisnexis XXXX for XXXX This complaint was made early in XXXX of XXXX Both " investigations '' have been completed and there has been NO CHANGE made to my credit report. Somewhere there has been a MAJOR COMMUNICATION ERROR with this govt. agency, a major credit reporting bureau, and the fact finders that have been employed to collect data. I filed bankruptcy with my ex-husband in XXXX. I acknowledge that. I have never disputed that!!!!!!! However, XXXX has that 1 bankruptcy reported 2 times. This is affecting my credit and creditworthiness!!!!! XXXX will not remove the duplicate item. They say that Lexisnexis is reporting it, that they are responsible for correcting this error. Lexisnexis says that I filed bankruptcy in XXXX with my ex husband, and will not change the reporting. CFPB is relying on the " investigations '' of these companies to resolve the original complaint. I am complaining today, XX/XX/XXXX, that these companies are not fixing my credit report. This is my second complaint. Please remedy this. Recap : I have 1 bankruptcy filed with my ex-husband in XXXX. XXXX has this reported as 2 bankruptcies in XXXX. I want the DUPLICATE public record removed from my XXXX credit report. NOT THE ORIGINAL, JUST THE DUPLICATE. I do not care who has to do what to get it done, I just want it done. I have filed, in total, 3 disputes with XXXX, 1 dispute with Lexisnexis, and now 2 complaints with CFPB. Why is this not sufficient?
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Company Response:
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have requested a security freeze to be placed on my LexisNexis XXXX REPORT and for them to send documentation showing/proving that they have completed my request. I have not received any documentation showing that my request was fulfilled nor has my freeze been placed on my report.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Lexus Nexus refuses to send me a copy of my consumer report. They Hang up on me, refuse calls, never send report as promised, etc.
Company Response:
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
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/2020 i requested my bankruptcy to be removed from lexis Nexis they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, XXXX XXXX XXXX XXXX XXXX to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A