Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by LEXISNEXIS and XXXX I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.
Company Response:
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report shows a XXXX XXXX /XXXX account that opened on XX/XX/2022 with a debt of {$5400.00} to loss that was never opened by me. I have never had accounts with XXXX. The address of the company that appears in the report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX TEL. XXXX On the other hand, my credit report shows two addresses where I have never lived XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Company Response:
State: PR
Zip: 00926
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX.In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX.In accordance with the Fair Credit Reporting Act XXXX XXXX Delaware Account XXXX XXXX has violated my rights. XXXXIn accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act THE XXXX XXXX XXXX XXXX has violated my rights. XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 79928
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and Lexis Nexis without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. XXXX and Lexis Nexis has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt XXXX days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has XXXX days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: LexisNexis Risk Solutions XXXX XXXX XXXX XXXX, GA XXXX RE : The inaccurate and certifiably noncompliant information you Uare reporting To whom it may concern : XXXX XXXX concert ormal objecion of infomalion publiched and provided by you to XXXX XXXX XXXX and XXXX XXXX as reported and I demand for swift action on your part. Additionally, *this solice also serves as mry fightul demand tor adequate. investigation/reinvestigation into every aspect of any delinquency nandlor derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXXXXXX XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged XXXX my the alert a court of eecre. tornally contest ireported to reportablity of the alleged Public Record. 'Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically -verified each notation for maximum possible accuracy and ( ) compliance with all XXXX reporting standards. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which XXXX XXXX the reporting mandates that there be no deviation from XXXX Ga Format compliance since, per the XXXX, XXXX XXXX " Any deviation -from these standards jeopardizes the integrity of the data ''. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consur reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Incorrect information on my report
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Incorrect information on my credit report
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A