Date Received: 2019-12-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: 3rd REQUEST FOR ACTION! I recently submitted several complaints to XXXX & LexisNexis regarding a Chapter XXXX bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " CAN '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 2. " UP TO '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. My bankruptcy is scheduled to be deleted in XX/XX/2020. I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking LexisNexis & XXXX to read the above law by the FCRA and delete this item.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
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: Whereas Lexis Nexis has not properly investigated, or reported information properly and according to the Fair Credit Reporting Act. Correspondence and Dispute sent XX/XX/XXXX regarding A Bankruptcy reporting with source as Hawaii Federal Bankruptcy Court XXXX on XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing and requested verification providing me with copies of any documentation bearing my signature. In the absence of such documentation I formally requested the item be deleted from the credit file. Nexis Lexis Responded with a form letter simply stating Verified from the Hawaii Federal Bankruptcy Court XXXX. 2nd Correspondence and Dispute sent XX/XX/XXXX requesting Lexis Nexis provide me a description of the procedure use to determine the accuracy and completeness of this information verified including the name, address, and telephone number of each person contacted regarding this listing. Again, I requested documentation bearing my signature and that any further automated response from lexis nexis or e-oscar verification was unacceptable. Nexis Lexis responded with the same form letter as the last one simply stating verified without any of the information I requested and am entitled. I contacted this court in Hawaii and they provided me a letter stating they do not provide any information to credit bureaus. I have sent this letter to Lexis Nexis and that mere fact proves they are inaccurately reporting information on my credit report as they continue to report their source of verification as the Court.
Company Response:
State: MO
Zip: 64157
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I requested my Lexis Nexis full file disclosure seven separate times since XX/XX/XXXX. I went online and printed out the Lexis Nexis Full File Disclosure Form and included a copy of my NYSID with my current address and a copy of my social security card the four times I mailed the request to Lexis Nexis at their PO Box address in XXXX, GA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each of these times Lexis Nexis did not send me anything back regarding my full file disclosure request or furnish me with a copy of my full file disclosure. In addition to these four requests, I made 2 additional requests on the Official Lexis Nexis website and reveievd two separate letters back from Lexis Nexis dated XX/XX/XXXX and XX/XX/XXXX reapectively under Consumer Number : XXXX, Case Number : XXXX stating that no file could be found using my correct social security number, name and date of birth. This is false considering that Lexis Nexis furnished me with a full file disclosure admin requesting now in the past on XX/XX/XXXX under case number XXXX XXXX XXXX. An email was sent to XXXX per the XX/XX/XXXX and XX/XX/XXXX responses from Lexis Nexis including an additional copy of both my SAA card and unexpired NYSID with my current address on it asking for a full file disclosure OR why a full file disclosure can not be furnished to me. Lexis Nexis mailed me two separate letters that I received in XX/XX/XXXX stating that my consumer report could not be found using my name and social security number even though I still have a copy of a previous full file disclosure of my consumer reports dates XX/XX/XXXX under case XXXX XXXX XXXX or case XXXX which directly contradicts the fact that Lexis Nexis is alleging that I don't have any consumer reports using my sensitive personal information when in fact I do. An additional full file disclosure request with a copy of my social security card and my unexpired NYSID with my current address on it was overnighted to Lexis Nexis using XXXX tracking number XXXX. I have not heard back from Lexis Nexis regarding these matters. A compliant with the XXXX was also filed against Lexis Nexis for failure to provide me with a full file Disclosure ( copy of all the consumer reports they hold under my name and social security number ) under XXXX XXXX Case XXXX.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I've had complications with Lexis Nexis. I sent my original dispute on XX/XX/2019 at XXXX XXXX which reads : " Hi, Attached is the supporting documentation for the public record dispute and referenced consumer # XXXX. I was informed by Lexis Nexis that this public record was verified via US Bankruptcy Court. Per the disclosed letter received directly from US Bankruptcy Court, the Deputy Clerk advised the courts DO NOT verify information with credit bureaus. The information your reporting is inaccurate, Lexis Nexis was dishonest in stating it was verified by the courts - because it WAS NOT. And I am requesting that this inaccurate public record be DELETED IMMEDIATELY. Please see attachment. Thanks, XXXX XXXX Following my original dispute sent XX/XX/2019, I received an untimely letter from Lexis Nexis on XX/XX/2019 that states " After a reinvestigation of the data, Lexis Nexis updated the disposition date for Bankruptcy Case # XXXX listed on your LexisNexis RiskView Report .Please note that the Fair Reporting Act gives you the right to Request a description of the procedure used to determine the accuracy of dispute information, including the business name and address, and telephone number, of any furnisher of information contacted. Following that I called XX/XX/2019, requesting a description of re-investiagtion which was declined. I then sent a detailed 3 page letter on XX/XX/2019, requesting that Lexis Nexis disclose information regarding investigation and that evidence and detailed information of procedure and who and when information was obtained proving accuracy. On XX/XX/2019, Lexis Nexis responsed untimely AGAIN ( beyond 30 days ), sending the same generic response " After a reinvestigation of the data, Lexis Nexis updated the disposition date for Bankruptcy Case # XXXX listed on your LexisNexis RiskView Report .Clearly violating my FCRA rights, ignoring my request, responding untimely, and failing to garnish documents showing the alleged accuracy of this Public Record. On XX/XX/2019, I called Lexis Nexis and spoke with XXXX for 45 minutes. On that call, XXXX advised me that they obtained accuracy from the court house and I again asked that he disclose additional information regarding that investigation and any information obtained. He failed to do so. When asked if my request to a reinvestigation was received on XX/XX/2019 was received, XXXX confirmed it was. When asked if he received the letter received DIRECTLY from the courthouse that states they did not and do not verify bankruptcies, he confirmed yes it was received. I advised I received Lexis Nexis letter late and requested a deletion, I also advised they failed to my request of a description of procedure that was used to determine the accuracy as per my FCRA rights. I proceeded to request a deletion from failure to respond with requested information. XXXX, declined. This Public Record has affected me greatly and I have already taken the proper steps to contact Lexis Nexis regarding this inaccuracy for resolution. They have failed to respond with requested information and has responded untimely with every generic response .I am requesting that they provide a descriptive explanation of their investigation ( from the courts ) with requested information as listed below : * Please advise how your investigation was completed by providing evidence and answering all 10 questions below. 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified documents were reviewed to conclude your investigation? 3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4.What did it cost your company to obtain the documents needed to complete your investigation? 5.Please provide proof of your timely procurement of certified documents. 6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7.If yes to above : a.Who did you speak to? b.On what date? c.How long was the conversation? d.What was their position? e.What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g.What is the position of the employee of your company that spoke directly to the above party? h.How long has that employee been employed by your company? i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party? 8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will ceased __ If they can not supply ALL of the above information in 15 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I am requesting immediate and permanent removal of this item from my credit report. Attached also : Letter fr om United Stated Bankruptcy Court that states they do not report to credit bureaus or agencies.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I asked for XXXX And XXXX to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.
Company Response:
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: Lexis nexis said they verified that I with a supposed clerk of court that a name matching mine filed a bankruptcy with the clerk of court. I expressed to the rep this is in no way true. It is my understanding that the county clerk is not allowed to give my information to a third party anyways so even if I did how would they know accurately to verify any of this.
Company Response:
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. I have attached proof with credit report that I have pulled from XXXX to current
Company Response:
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: LexisNexis is reporting false and inaccurate information about my driving history to my insurance company. By them reporting inaccurate information it has caused my insurance to triple the cost. Now i am suffering financially due to their inaccurate reporting. I have mailed and emailed copy of my Certificate of 3 years of Georgia DDS driving record to correct the issue but they haven't corrected this matter yet. They are clearly violating the FCRA.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexis Nexis sent me n XX/XX/XXXX a 25 page report with all my previous home address ' going back 20 years, one page briefly mentions : " No judgments or liens '' Lexis Nexis has however sent to my employer a list of : " 61 unverified, historic liens and judgments ' This list was full of inaccuracies, duplicate items and caused my employer to fire me. ( I had not disclosed the erroneous liens on my XXXX XXXX. ) Then in XX/XX/XXXX I applied to a new employer, XXXX XXXX XXXX, they too received a similar list of 61 " unverified and historic liens and judgments form Lexis Nexis. I have disputed this with Lexis Nexis in writing numerous times, at least 7 written letters, I have previously filed a complaint with CFBP. Your reply to me was that Lexis Nexis referred me to an 800 number which was no help. I request a copy of this list be sent to me. And I request the right to dispute these items.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX 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, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( 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: 43213
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A