Date Received: 2020-03-26
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: In response to the letter I received on XX/XX/2020, Case # XXXX, Consumer # XXXX. I requested a description of the procedure used to determine the accuracy and completeness of a disputed bankruptcy on my consumer report. I have not gotten a response from Lexis Nexis. I was told over the phone that they get the information directly from the courts. I have received a letter from the bankruptcy court confirming they do not give out personal information to 3rd parties. I asked that they verify that it is in fact my bankruptcy and they failed to do so. The bankruptcy remains on my consumer report as incomplete and inaccurate information. They failed to verify my full name, full social security number, amount of debt in the bankruptcy and my full address associated with this bankruptcy. Because of this inaccurate and incomplete information being reported the credit bureaus are reporting it because they get this information from Lexis Nexis. I am attaching a letter from Bankruptcy court supporting my issue.
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
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 - Home insurance renewal, notification of rates doubling XX/XX/2020 - Requested Lexus Nexus report via Website, XX/XX/2020 - Received instructions to view Lexus Nexus report online, several instances of incorrect information including a lien judgement on a property I do not own. My suspicions are that this is adversely affecting my rates. XX/XX/2020 - Called Lexus Nexus at XXXX to start an inquiry into the incorrect information. They are unable to access my account and send a internal email message to a team that should contact me within 2 days. XX/XX/2020 - No call received. Called Lexus Nexus again, and was told that I needed to wait longer to receive the call from the specialist team. XX/XX/2020 - No call received. Called Lexus Nexus again, and was told again that my account is in a " protected status '' and can not be handled by the phone support team. They would send a third email to the specialist team to call me back. My Lexus Nexus report is full of a mixture of my Fathers ( Sr. ) and my ( Jr. ) history resulting in a large amount of inaccurate data. I need this resolved as I'm being forced to pay higher insurance rates based on a report they can't manage to fix.
Company Response:
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: Requested LexisNexis report. They sent me a paper letter containing a web address and PIN. I went to the address and entered the PIN. The page reported that the PIN was invalid and said to call a phone number. I called the number and it wanted me to request anew report and start the process over.
Company Response:
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX They added unlawful amounts that i did not owe FTC on deceptive practices
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
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: My Complaint is Against All the Companies Listed Lexis Nexis, XXXX, XXXX and XXXX are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. I have sent LexisNexis, XXXX, XXXX and XXXX copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I just received a weird response from Lexis Nexis. They stated they are not held to the FCRA - which is laughable. There are 100 's of case laws I found where Lexis Nexis was sued and loss under the FCRA. Some of those cases are ; Smith v. Lexis Nexis ; Graham v. LexisNexis ; Berry v. Schulmar ; Spokeo Inc V. Robins ( class action suit LexisNexis loss which the judge clearly stated : " LexisNexis has no free pass from FCRA liability. '' They did not respond to my request in the required 30 days ; thus, the bankruptcy information must be deleted under the FCRA which they have to honor by law. To write a letter stating they are not under FCRA law means either whoever responded does not know the law or they are trying to skate around the violation. They failed in compliance under the FCRA ; thus, the bankruptcy must be deleted from LexisNexis. My next step is FTC, and AG compliments if not resolved.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2020 Lexis Nexis was contacted on how they verified a bankruptcy on they they reported to all 3 major credit bureaus and have yet to provide me with the requested information.
Company Response:
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This debt has been paid in full since XXXX 2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Called XXXX and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that XXXX has not reached out to them and that they have not verified any information. I was informed that XXXX uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files
Company Response:
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A