Date Received: 2023-07-28
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: 798XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Submitted complaint about the issue through CFPB XXXX XX/XX/, complaint XXXX. LexisNexis still has not responded to to myself or CFPB as of today, XXXXXXXX XXXX XXXX
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: i have bankruptcy on my credit i mean XXXX XXXX and XXXX XXXX XXXX XXXX status - Discharged Date reporterd XXXX Reference # XXXX Closin Date XXXX by Court U.S Bankrupcy Court Pleas remove me Thank you XXXX XXXX My addres is XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Thank you again
Company Response:
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XXXX CREDIT OPTICS SCORE LEXISNEXIS RISK VIEW SCORE CONTINUE TO REPORT OUTDATED/INACCURATE CREDIT SCORE/DATA FROM XXXX XXXX. THEY CONTINUE TO REPORT SCORE XXXX AND MY SCORE IS A XXXX! I HAVE BEEN TRYING TO GET THEM TO USE UPDATED CREDIT SCORE! I CONTINUE TO BE DECLINED FOR CREDIT AND GET THE SAME EMAIL RESPONSE FROM CREDITORS WITH THE ABOVE INFORMATION. I ALSO HAVE BEEN TRYING TO FIND A WAY TO OPT OUT OF THEIR REPORT TO NO AVAIL. YOU CAN NOT ACCESS THEIR LINK: XXXX THEY HAVE TO SEND LINK. THIS COMPANY IS A PROBLEM. I WANT TO OPT OUT OF THEIR REPORTS BEING USED TO EVALUATE MY CREDIT WORTHINESS. THEY ARE DAMAGING MY CREDIT.
Company Response:
State: AZ
Zip: 85208
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: 2023-07-27
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX XXXX Subject : Dispute of Unverified Bankruptcy Dear LexisNexis, I hope this letter finds you well. I am writing to formally dispute the unverified bankruptcy listing on my credit report, which has erroneously been marked as verified by XXXX and frivolous by LexisNexis. This incorrect information has seriously affected my creditworthiness and caused substantial distress, and I hereby request an immediate investigation and rectification of this matter. The bankruptcy in question does not belong to me due to the fact that I havent filed for bankruptcy. I have conducted thorough research and discovered that the bankruptcy claim in question lacks substantial evidence and verification. Moreover, I have obtained information from LexisNexis, which asserts that their assessment of this bankruptcy as frivolous directly conflicts with the verification status applied by XXXX. Such discrepancies raise concerns over the accuracy and integrity of the reported information. I request that your organization initiates an internal investigation into this matter, in compliance with the Fair Credit Reporting Act ( FCRA ). It is paramount that all relevant records and documentation regarding the ( XXXX XXXX Discharged Bankruptcy - XXXX # XXXX ) be thoroughly examined for any discrepancies or inaccuracies. To facilitate this investigation, I have enclosed the following supporting documents : XXXX. A copy of my credit report highlighting the misrepresented bankruptcy claim. XXXX. Copies of the XXXX verification status report and the LexisNexis frivolous classification report. XXXX. Any additional pertinent documentation or evidence that supports my dispute. In light of the serious nature of this error and the significant impact it has had on my financial well-being, I kindly request that you take immediate action to investigate and rectify this discrepancy. To ensure swift resolution, I expect to receive written confirmation of the initiation of the investigation process within 15 days. I emphasize the urgency of this matter and the importance of correcting the misinformation promptly. In accordance with the FCRA, I also request that, during the investigation period, the disputed bankruptcy mark be temporarily removed from my credit profile to prevent any further harm to my creditworthiness and reputation. Additionally, please provide periodic updates on the progress of the investigation and any actions taken to address this issue. I fully anticipate your full cooperation and timely response as mandated by federal law. Failure to comply with the FCRA 's provisions and rectify this incorrect bankruptcy claim in a timely manner may result in further legal action. I trust that your organization will handle this matter with the utmost professionalism, accuracy, and diligence. Thank you for your prompt attention to this dispute. I look forward to a positive resolution and the restoration of my accurate credit file. Sincerely, XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Identity theft protection or other monitoring services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Good day hoping you are well. I am a XXXX individual who attempted to access his accuity and consumer reports from LexisNexis Risk Solutions. I contacted them several times about this issue, but without resolution. The agents were decently professional, but said they can not change their polocies, suggesting I call back, even though nothing is likely to improve. I am XXXX and can not read printed, mailled material ; I can, however, read electronic material. After some calls and attempts to leave feedback, the agency states it can not send me copies of my information in an accessible format, even though it apparently has an electronic way for consumers to access their information. ( It was not fully explained, but seems still to require a printed mailled letter. ) As such, this is innacccessible under the ADA and the Fair Credit Reporting Act, under which I sought to request my information. Similar financial instutions have accessible alternatives ; XXXX states it does not. I do not believe I am the only XXXX customer who was refused accessible access to his information. Note that the Social Security Administration used my information, which I attempted to access, in making a determination ; as such, I should be able to access information relied upon by the Federal Government in an accessible manner, especially when that administration affirms my ability to do so. I attached copies of written corespondences, as well as the SSA notice I received to contact the Company for my report. It does not seem to have a listed physical address ( see links below ). Home - LexisNexis Risk Solutions Consumer Disclosure https : //consumer.risk.lexisnexis.com/consumer? gclid=Cj0KCQjw5f2lBhCkARIsAHeTvlhoq7v99SmvpQGVBs97nCfvigBTYlszcjSocaxQ-RjK4-yJvMPt03oaAnhREALw_wcB Help - LexisNexis Risk Solutions Consumer Disclosure https : //consumer.risk.lexisnexis.com/help Please do not hesitate to reach out with questions. Sincerely, XXXX
Company Response:
State: MI
Zip: 49085
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I was given a higher undesirable XXXX XXXX XXXX Quote on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a Credit Type Auto Report to XXXX XXXX XXXX that caused the high rate quote. LexisNexis has no way to get the report on the Internet stating to call them at XXXX -- XXXX. Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis.
Company Response:
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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. 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: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: to whom it concerns, I have moved over the last few years because of harassments in local area. After being over charged and given outrageous premiums for insurance, I questioned what sources they are looking at and I was told lexisNexis out of XXXX GA. I contacted them out of concern and they told me they can only do one thing and that is to send me a copy of my report. When I received the report i was in shock, they have been keeping data on me and sharing personal information on me for 30 years. This can not even be legal. This looks like a life time social credit score on me. I want this information taken off their records and allow them to keep the legal amount of years which I believe is 7 years. Please advise me how to go forward and receive fair treatment by insurance and other companies.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A