Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i am a victim of id theft/mixed file see attachments
Company Response:
State: MN
Zip: 55407
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I dont know who the company is that are reporting and eviction. I know nothing about the information that is being reported. I dont know how they got my information, I didnt give them my information.
Company Response:
State: TX
Zip: 75237
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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: I received a letter from Lexis Nexis telling me that this item that I dispute ( bankruptcy ) it was removed from the file with LEXIS-NEXIS however, it has not been removed from Lexis Nexis, or any of the credit bruen
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XX/XX/2022, I sent a letter a letter to the courthouse asking do they report bankruptcies to the credit reporting agencies and I received a letter stating They do not report any bankruptcies to anybody. So if that the case, how did the consumer reporting agencies verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 U. S. Code 1681. 15 U. S. Code section 603 ( 3 ) ( E ) states : The term Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Also, they have violated my rights numerous times. The consumer reporting agencies have violated my rights under 15 U. S. Code 1681. According to 15 U. S. Code 1681 section 602 A states I have the right to privacy. 15 U. S. Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, according to 15 U. S. Code 1681s-2 ( A ) ( 1 ) states 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: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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. The letters are stated with items and issues. 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: 79907
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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. The letters are stated with items and issues. 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: 79907
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT AND I HAVE CONTACTED THE CREDITORS AS WELL AS XXXX AND XXXX AS WELL AS NEXISLEXIS TO RESOLVE THESE MATTERS SO NO RESPONSE.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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: Ive disputed a XXXX XXXXXXXX XXXX IL XXXX Reference number XXXX with the following credit bureaus ( XXXX, XXXX, and XXXX ) which all confirmed the public record was verified by the LEXISNEXIS and THE COURT HOUSE. I asked all three bureaus ( XXXX, XXXX and XXXX ) to disclose their method of verification on the alleged XXXX they are reporting. They replied to me with the XXXX being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers credit files.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive tried numerous times to get the following credit report agencies to investigate this alleged bankruptcy reporting on my consumer credit report ( from XX/XX/XXXX till current date XXXX ). They have failed to respond. I have sent verification ( drivers license and social security card ) still no response given.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: TO WHOM THIS MAY CONCERN : I have been informed that I have negative information reported by XXXX XXXX XXXX XXXX in the file you maintain under my social security number. Upon ordering a copy of my credit report I see an entry from this court listing filed on XX/XX/XXXX. LEXISNEXIS is the data furnisher to XXXX who is reporting this bankruptcy on my credit report. Yet you are providing inaccurate information to XXXX and violating my consumer rights. The case number/Reference number you have on file is inaccurate and the date paid. How would you know the date I paid or the amount I paid? My privacy rights are being violated and you have no right to disclose my transactional history. Please validate this information with the court and provide me with copies of my documentation associated with this account granting you authorization to report this information, bearing my signature. I formally request that you that this information be immediately DELETED from the credit file you maintain under my social security number. I have attached the case summary AND the transaction receipt as of XX/XX/XXXX. The bankruptcy court name is inaccurate DELETE THE BANKRUPTCY FROM YOUR RECORDS. IT IS AN ERRONEOUS ERROR ON YOUR PART AND I DEMAND A DELETION. You are reporting inaccurate information of a bankruptcy to XXXX. I am requesting that you DELETE this from my consumer profile at LEXISNEXIS. You are violating several of my consumer rights. Firstly, you are violating my rights to my privacy LEXISNEXIS violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 15 U.S. Code1681n ( 1 ) A - ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. YOU DO NOT HAVE MY PERMISSION TO HOUSE ANY OF MY INFORMATION AND SHARE IT. YOU ARE REPORTING INACCURATE INFORMATION AND I DEMAND YOU DELETE THIS INFORMATION from your records ASAP! XXXX is a data furnisher of bankruptcy information for XXXX and the information you have is inaccurate and I DEMAND A DELETION OF MY CONSUMER REPORT FROM YOUR RECORDS OR I WILL TAKE LEGAL ACTION. I have also attached my XXXX reporting and my case summary of the bankruptcy. Totally inaccurate and erroneous information being reported. The case number is wrong. DELETE DELETE DELETE! Sincerely, XXXX XXXX last four of SS # : XXXX XXXX : XX/XX/XXXX
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A