LEXISNEXIS

2019-08-18

Clearwater, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-08-18

Columbus, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX,Ohio XXXX. I have unknown or fraudulent addressesappearing on my credit report and I am requesting that these items be removed andupdated. Please remove any address off my report that doesn't not match the address above. Please remove any telephone numbers that not XXXX
Company Response: Closed with explanation

Timely Response

2019-08-18

Union City, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-17

Brooklyn, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-17

Atl, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2019-08-15

Ashville, OH

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-08-15

Key Biscayne, FL

Unable to get your credit report or credit score

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem getting your free annual credit report
Complaint: LexisNexis has duplicate information on the report. They provided a scoring system to XXXX XXXX that intentionally makes customers look negative so that the rates can be raised. For example in my case the scoring model was XXXX,XXXX.and XXXX. I have been a customer of XXXX XXXX for 10 years. The only claim I had recently was due to a Natural Disaster, Hurricane Irma, which XXXX XXXX did not pay everything. I had to get SBA Loan to cover the difference which I am still paying. the criteria that LexisNexis provided was 1 ) XXXX - Too Many Active accounts - this is ridiculous. They do not even look at your payment record. There are 68 accounts of which 42 are Active and the others are clsoed. Most have XXXX balances ( 7 % Credit Usage ) and the others are pd and closed with no late payments. 2 ) XXXX - Bad Debt - there are duplicate accounts that were included in Bankruptcy Chapter XXXX and they refused to fix the erroneous data that were included in chapter XXXX back in XXXX did XX/XX/XXXX - It has been almost 5 years since the discharge and now 5 years after the bankruptcy they report bad info to insurance and insurance is raising rates negatively affecting me by {$2000.00}. 3 ) XXXX - Accounts open in 24 months - This is working towards rebuilding my credit after my illness and the insurance company based on the LexisNexis report raised my insurance almost all of these accounts have XXXX balances.
Company Response: Closed with explanation

Timely Response

2019-08-15

Ocala, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I submitted a method of verification request to LexisNexis on XX/XX/2019. On XX/XX/2019, LexisNexis informed me that I would receive my method of verification into my erroneous bankruptcy information that they are reporting within 7-10 days. LexisNexis admitted to illegally using my social security number without my authorization to obtain certain information. LexisNexis has also claimed that certain divisions of their company are not considered actual CRAs. Please see the details listed below. 1. The FCRA only allows 5 days for this request. LexisNexis is therefore in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 2. The request still has not been fulfilled as of 08/15/2019. LexisNexis is once again in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 3. In a previous correspondence with the CFPB and myself, LexisNexis admitted to using my whole social security number to allegedly access files about me in the PACER system. LexisNexis gave a vague description of where they obtained my social security number and furthermore, was never given my permission to use my social security number as I had no business or contract with LexisNexis. This is also in violation of federal identity theft laws. 4. LexisNexis has stated in the previous CFPB complaint reply that their division that gathers public records is not a CRA, and therefore is not subject to the FCRA laws. Please reference the following ( specifically section ( p ) ( 1 ) : 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file, '' when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. And take a look at this one closely, how and the XXXX can they tell you they are not a CRA, it says they are right here. ( p ) Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis. The term " consumer reporting agency that compiles and maintains files on consumers on a nationwide basis '' means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
Company Response: Closed with explanation

Timely Response

2019-08-14

Bellaire, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Complaint: I submitted the paperwork to Lexis Nexis that they requested and I have yet to hear back from them. I need to know the status of a judgment they are reporting that is over the statue of limitations. It was my understanding that they have to follow the same guidelines as the other credit reporting agencies and the statue of them fall within the 7 years for which the judgement was over 7 years.
Company Response: Closed with explanation

Timely Response

2019-08-13

Bellaire, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2019-08-12

Brazos Bend, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-12

Montevallo, AL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: About two months ago Lexis Nexus agreed to remove the bankruptcy from my Lexis Nexus report ; however, XXXX, XXXX, and XXXX are stating your company is still verifying the bankruptcy. This is a violation of the FCRA and my next action is filing a complaint against your company with the Alabama and GA Attorney Generals office. If you deleted the information from your database ; why are you still reporting to the credit reporting agency the bankruptcy is valid? I am requesting that you inform XXXX, XXXX, and XXXX that the Bankruptcy information is no longer reporting in your database and refrain from verifying information that is not there. I have provided each credit bureau with proof the Bankruptcy is no longer in your database. I will forward this information to the Attorney General of GA and let them know you continue to violate FCRA rules along with the CRA 's. Either your company reporting false information or the CRA 's are lying about verifying with your company.
Company Response: Closed with explanation

Timely Response

2019-08-12

Houston, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2019-08-12

Itasca, IL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I have a problem with LexisNexis they will not provide me proof of verification for my public records accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. LexisNexis has valeted the law and must delete the accounts on my public record. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of my public records Bankruptcy Chapter XXXX as well as Chapter XXXX. I have enclosed a letter requesting method of verification of the accounts as well as a letter for the XXXX Federal Bankruptcy Court stating they do not provided any information to third party LexisNexis about any and all public records. Also my Social Security Number is not listed and my address is incorrect on the public records findings.
Company Response: Closed with explanation

Timely Response

2019-08-09

Joliet, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-08-09

Finksburg, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2019-08-08

LA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Lexisnexis reported incorrect information to my Insurance company which increased my premiums
Company Response: Closed with explanation

Timely Response

2019-08-08

Newport News, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-07

El Sobrante, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I called Lexis Nexis today XX/XX/19 about a n inacurate bankruptcy that was deleted by XXXX. The information that led XXXX to delete my bankruptcy was through an investigation done by Lexis Nexis. These investigation results were sent to me XX/XX/2019, very current. It is stated on the investigation results given to me and when I contacted XXXX today they told me over the phone as well. I say all of this to say that I was contacting Lexis Nexis to ask why they are still reporting to XXXX and XXXX and housing inaccurate info such as this bankruptcy that they verified to XXXX was not true. They stood their ground and claimed that the information was verified by the courthouse. I called the courthouse as well and was told that they do not do this, so this leads me to ask them where they got their information, and of course they maintained it was from the courthouse. Lexis Nexis has so many complaints about this issue and I would like to see something done about it. It makes absolutley no sense that they can report to XXXX that their investigation could not verify a bankruptcy but in the same breath report to XXXX and XXXX that it is verified. Lexis Nexis needs to go ahead and remove this information from their system and notify the other two bureaus that this information has been investigated and verified as not accurate.
Company Response: Closed with explanation

Timely Response

2019-08-07

Atlanta, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-06

FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I spoke with a CFPB intake agent this morning. I think her name was XXXX. My call was dropped so I don't know whether she has submitted any type of report already. I think it was XX/XX/XXXX or XX/XX/XXXX that I called XXXX because my insurance reates had gone fro $ XXXX monthly to more than $ XXXX monthly in the past year or so. I was told that they were just normal rate increases. I called XXXX to get a quote and the rates were much lower. I told them I would switch and they had me hold on while they ran a report. I later learned this was a C.L.U.E . report provided by Lexis Nexis. There was an accident report that belonged to someone else named XXXX XXXX along with another incident that was a hit and run for a rental car that was mine but no claim was filed. I declined the much higher rate because of the report and was told I would receive a report shortly. I received the report dated XX/XX/2019. The report contained an accident from a XXXX XXXX whose address is XXXX XXXX, with a different insurance company. Not my accident! I received a credit report from Lexis Nexis dated XX/XX/2019. This report included 43 additional mistakes on my credit report including the wrong SSAN ( they even provided me with another XXXX XXXX ' SSAN ), wrong addresses, phone numbers, insurance companies, Assessor Records, deed records, marketing records, email addresses and business association records. The amount of mistakes is staggering. These are well beyond data entry mistakes. Why are they sending me the SSAN belonging to the other XXXX XXXX? And what about my personal information that is probably on his or someone else 's report? Not only and I am paying higher insurance rates because of this company 's errors but there is apparently no concern for the handling and care of my very personal information or others indicated on my report. There must be thousands of people named XXXX XXXX. So data entries should be made by unique identifiers such as SSAN 's. This is obviously not happening at Lexis Nexis. So I am additionally concerned as to where else my information might be located and there is no way of knowing.
Company Response: Closed with explanation

Timely Response

2019-08-06

Columbus, OH

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Complaint: I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have had some issues with my information being compromised.
Company Response: Closed with explanation

Timely Response

2019-08-04

GA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: After a dispute was filed, I received a letter from LexisNexis dated XX/XX/2019, revealed said information was verified. On XX/XX/2019, I submitted a certified letter to LexisNexis requesting the Method of Verification used to determine the validity of the information reported in my credit file. To this date, LexisNexis has failed to respond to this request ; therefore, placing them in violation of the FCRA ( copies mailed to CFPB ).
Company Response: Closed with explanation

Timely Response

2019-08-02

NV

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
Company Response: Closed with explanation

Timely Response

2019-08-02

Brentwood, TN

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: I am requesting the method the method of verification regarding an unverified Bankruptcy on my XXXX XXXX Consumer report. I initially mailed off my first dispute asking them to verify the Bankruptcy on XX/XX/2019 and they responded with it as being verified. However, I have a official letter from the Bankruptcy Court stating that they do not verify Bankruptcies or release information to 3rd party agencies or credit bureaus. So, I sent a second letter on XX/XX/2019 informing them of that and then asked them to verify it again. I got a response back saying that it was again verified directly with the court where the Bankruptcy was filed. I recently sent of a 3rd letter on XX/XX/2019 and have attached the actual copy of the letter from the United States Bankruptcy Court that clearly states that they do not release information or verify information with any 3rd party agency and have asked them for a method of verification.
Company Response: Closed with explanation

Timely Response