Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Its time to file suit and expose this. This is my last time asking for my report. I have proof of my attempts and their refusal letters. Lexis Nexis keeps lying and have not mailed my CLUE REPORT TO ME! Every response they give to my complaints are just to close my complaint. They are not people with integrity. I received a letter in the mail yesterday XX/XX/XXXX. The same letter keep mailing me but wont mail my report! Its dated for XXXX XXXX. After the certified mail I sent to Lexis Nexis, that was received on XXXX XXXX They have my social and copy of my license with date of birth on it. I dont know what else they want from me. They REFUSE to send my CLUE report and keep lying to the CFPB! I've reached out to company via phone and online system multiple times. I input all my information correctly and received a confirmation. Lexis Nexis keeps mailing letters instead of report that they are not able to verify identity even though I'm the person entering all the information about myself. I've emailed and mailed them a copy of my license. They are still saying that they not able to verify my identity and do not provide me my report. I've received information from other companies that there are errors on my report, but I'm informed I would need to request report directly from Lexis Nexis which where they got the report from. They lied to CFPB with their response that they had reached out to me on the first complaint filed. Again, on my second complaint they claim to have mailed it to me as of XXXX in order to have my complaint closed. Lying again with the same lie XXXX. Its been almost 3 months of me requesting my CLUE report but not receiving it. Im attaching proof.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I received this letter in the mail today. The same letter they my keep sending me. Its dated for XX/XX/XXXX. After the certified mail I sent to Lexis Nexis, that was received on XX/XX/XXXX. They have my social and copy of my license with date of birth on it. I dont know what else they want from me. They REFUSE to send my CLUE report and keep lying to the CFPB! I've reached out to company via phone and online system multiple times. I input all my information correctly and received a confirmation. Lexis Nexis keeps mailing letters instead of report that they are not able to verify identity even though I'm the person entering all the information about myself. I've emailed and mailed them a copy of my license. They are still saying that they not able to verify my identity and do not provide me my report. I've received information from other companies that there are errors on my report, but I'm informed I would need to request report directly from Lexis Nexis which where they got the report from. They lied to CFPB with their response that they had reached out to me on the first complaint filed. Again, on my second complaint they claim to have mailed it to me as of XX/XX/14 in order to have my complaint closed. Its been almost 3 months of me requesting my CLUE report but not receiving it. Im attaching proof.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My Lexis Nexis report indicates that XXXX XXXX XXXX ran four inquiries on my report. Two on XX/XX/2023 and two on XX/XX/2023 At this time, my Lexis Nexis file was frozen. XXXX XXXX XXXX didn't have my permission
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Good day, I sent the documents to LexisNexis on how they are reporting information dealing with XXXX bankruptcies. The information on the reports is not accurate by far. And I have asked them to delete them according to the FCRA. I sent them multiple documents from the court and the XXXX system pointing out these errors. I sent it by certified mail well over a month ago with no response. Thus violating my rights to have clear and accurate reporting on my credit file.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My Lexis Nexis report indicates that XXXXXXXX XXXX ran an inquiry on my report, on XX/XX/2022. XXXXXXXX XXXX didn't have my permission to request a report.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My Lexis Nexis report indicates that XXXX XXXX ran a inquiry on my report, on XX/XX/2022. At this time, my Lexis Nexis file was frozen. XXXX XXXX didn't have my permission to request a report
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX SSN : XXXX | XXXX : XXXX Re : This is not a regular dispute. Take action immediately if you are in violation. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Pursuant to 15 USC 1611 XXXX, XXXX, XXXX, and Lexis Nexis are criminally liable. I'm bothered that you have incorporated the data beneath in my credit profile and that you have neglected to keep up sensible methods in your activities to guarantee the most extreme conceivable exactness in the credit reports you distribute. Credit announcing laws guarantee that agencies report just 100 % exact credit data. Each progression should be taken to guarantee the data detailed is totally precise and right. The accompanying data in this way should be re-researched. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite my written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance. I also enclosed the Letters that you Failed to Respond to. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown. 1. The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of consumer credit information. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is an FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mix up one person 's information with another 's because of similar ( or the same ) last names or social security numbers. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable, and Invalidated I recently applied for extended credit and was denied I am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. * Please remove all non-account holding inquiries This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Please note that you had 30 days to complete this investigation and you failed, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), If you can not verify the information within the 30-day time period, you must delete all of the disputed accounts from my report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. Seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX SSN : XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller of The Currency CC : Federal Reserve XXXX XXXX : XXXX and XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory Agency Division of consumer complaints Thank You, XXXX XXXX
Company Response:
State: MI
Zip: 48214
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have requested a copy of my consumer report from LexisNexis and received a response that they are unable to process my request. They don't provide any information regarding how to fix the issue other than stating that additional documentation can assist in authenticating my identity, however is NOT required for a consumer to request their file. I provided additional documentation as suggested, however the response I received was the same form letter as what I received the first time with no information regarding why my request could not be processed. The Consumer Number on the letter is XXXX and the XXXX XXXX is XXXX.
Company Response:
State: MN
Zip: 55417
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A