Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LEXISNEXIS AND XXXX, AS WELL AS XXXX XXXX XXXX XXXX XXXX, ARE REPORTING FRAUDULENT INACCURATE ACCOUNTS IN MY GOOD NAME, I HAVE DISPUTED THIS INFORMATION DIRECTLY WITH THEM BUT THERE HAS NOT BEEN A RESPONSE AS OF YET.
Company Response:
State: UT
Zip: XXXXX
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: TO WHOM THIS MAY CONCERN : I have been informed that I have negative information reported by Pennsylvania Eastern Bankruptcy Court 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
Date Received: 2023-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I discovered various companies illegally reported personal, inaccurate, and private information to banks, and other credit agencies without my consent.
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
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: Please help me with removing the fraudulent accounts from my credit reports. I am a victim of the XXXX data breach and was paid because my information was used.
Company Response:
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
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: These are third-tier credit reporting companies that also report information to the 3 major credit reporting agencies. They have been reporting fraudulent information to the major credit reporting companies. Help me force them to comply with the FCRA block section.
Company Response:
State: TN
Zip: 381XX
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: 2023-08-05
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Innacurate information being shared. Also my written consent was ever given.
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Birthday : XX/XX/XXXX Social Security : XXXX UNDER SECTION 1, IDENTIFICATION RECORDS, Identification Record 81 is the ONLY ACCURATE IDENTIFICATION RECORD. ALL OTHER IDENTIFICATION RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY. UNDER SECTION 2 : ADDRESS CHARACTERISTIC, ONLY RECORD 13 IS ACCURATE. ALL OTHER RECORDS UNDER ADDRESS CHARACTERISTIC ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY. UNDER SECTION 3 : PHONE RECORDS, ALL RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY. THESE ARE NOT MY NUMBERS. UNDER SECTION 4 : EDUCATION RECORDS, ONLY RECORD 2 AND RECORD 4 ARE ACCURATE. ALL OTHER RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY. UNDER SECTION 5 : ONLINE MARKETING, ALL RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY. UNDER SECTION 6 : LIENS, JUDGEMENT, CIVIL FILING, ALL RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY. UNDER SECTION 7 : AUTOMOBILE INSURANCE POLICIES, ONLY RECORD 2 AND RECORD 3 ARE ACCURATE. ALL OTHER RECORDS ARE INACCURATE AND MUST BE REMOVED IMMEDIATELY. UNDER SECTION 8 : AUTOMOBILE INSURANCE CLAIM RECORDS, RECORD 1 MUST HAVE NOT AT FAULT INDICATOR PRESENT IMMEDIATELY. IT IS BLANK. THIS IS UNACCEPTABLE. I HAVE SHOWN PROOF THAT BOTH PROGRESSIVE AND THE POLICE REPORT HAVE SAID THIS IS A NOT AT FAULT ACCIDENT. LEAVING IT BLANK IS CAUSING MY INSURANCE PREMIUMS TO BE OUTRAGEOUS AND I CAN NOT GET INSURANCE WITH A PERFECT DRIVING RECORD. UNDER THE XXXX XXXX REPORT, OTHER PERSONS INFORMATION WHO ARE NOT ME ARE PRESENT ON THIS REPORT. ONLY RECORDS PERTAINING TO NAME XXXX, XXXX FOR THE DATE XX/XX/XXXX AND XX/XX/XXXX ARE ACCURATE. PLEASE IMMEDIATELY REMOVE ALL RECORDS RELATED TO XXXX, XXXX AND REMOVE ALL RECORDS RELATED TO XXXX XXXX XXXX. THESE PEOPLE ARE NOT ME AND SHOULD NOT BE ON MY REPORT AS IT IS INACCURATE. I AM NOT A RISKY DRIVER. I HAVE A SPOTLESS DRIVING RECORD. I HAVE DECENT CREDIT WITH NO COLLECTIONS AND NO DELINQUENT DEBT AND LOW CREDIT UTILIZATION. INACCURATE LEXISNEXIS DATA IS CAUSING MY CAR INSURANCE QUOTES TO BE THAT OF A RISKY DRIVER. PLEASE CORRECT THIS IMMEDIATELY. POSSIBLE LITIGATION WITH A CONSUMER RIGHTS ATTORNEY IS CURRENTLY PENDING AS WE GATHER ALL INACCURATE DATA. I HAVE INCLUDED THE DIRECT AUTO INSURANCE QUOTE BECAUSE IT IS REFLECTING INACCURATE DATA FROM LEXISNEXIS AND CAUSING MY PREMIUMS TO BE UNAFFORDABLE. CORRECT THIS NOW. PLEASE NOTE THAT I CAN NOT SEE MY LATEST LEXISNEXIS REPORT BECAUSE LEXISNEXIS SENT ME A DOWNLOAD LINK FOR IT THAT DOES NOT WORK. I HAVE ATTACHED THE LATEST LEXISNEXIS REPORT I HAVE WITH THE INFORMATION I AM DISPUTING. PLEASE REFLECT THE DISPUTES AND CORRECTED, ACCURATE INFORMATION ON A NEW REPORT. ALL POINTS IN THIS DISPUTE ARE REFERRING TO THE INFORMATION IN THE ATTACHED REPORT, WHICH I BELIEVE MAY BE ON MY CURRENT REPORT. REMOVE AND CORRECT ACCORDINGLY. THANK YOU.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The company Lexus Nexus has made it impossible for me to recover my true name identity theft. When I reached out and finally got a hold of someone at the company the only reason I was able to was because I spoke with the identity restoration at XXXX because I can not get car insurance. The reason I can not get car insurance is because Lexus Nexus uses inaccurate information from Identity Theft reports that were made against my credit. After much explanation and many many hours on hold nothing has been resolved the only thing I was assured of is that it would never be resolved and I quote no matter what I do the points on my record will never disappear because they will never take them off no matter what kind of proof I show them. That Lexus Nexus is the final decision-making process in any lifestyle credit situation even if the fraud account does not belong to the consumer. There's no way to dispute it or make it go away so I should just give up.
Company Response:
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A