LEXISNEXIS

2019-01-29

Naples, 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

2019-01-29

Columbus, OH

Incorrect information on your report

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

Personal information incorrect
Complaint: My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First 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 and other furnished Lexis Nexis, XXXX XXXX, XXXX 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 Report Act, you are required to comply. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Company Response: Closed with explanation

Timely Response

2019-01-29

Columbus, OH

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-01-28

Columbus, OH

Incorrect information on your report

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

Personal information incorrect
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 C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX 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 Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX XXXX OH XXXX
Company Response: Closed with explanation

Timely Response

2019-01-28

MI

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: my ex-husband let our house get foreclosed during our divorce XXXX years ago. I have worked hard to repair my finances and have improved my credit. the foreclosure has timed out on all of my credit reports, but I continue to be denied credit, it is always because of lexis nexis report- they should not be allowed to do an end run around state and federally mandated consumer protections. I have alerted them and requested that they remove it to no avail. I have opted out of their sharing my information-to no avail. I am ready to enlist the help of legal council to great personal expense. I thought I would first see if someone can just get them to do what is right
Company Response: Closed with explanation

Timely Response

2019-01-27

Columbus, OH

Incorrect information on your report

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

Personal information incorrect
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 and other furnished Lexis Nexis, XXXX XXXX, XXXX 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 Report Act, you are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX.The following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX
Company Response: Closed with explanation

Timely Response

2019-01-26

Indianapolis, IN

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: Under all applicable FCRA & FDCPA regulations, I request a description for the procedures used in verifying these accounts
Company Response: Closed with explanation

Timely Response

2019-01-25

Indianapolis, IN

Problem with fraud alerts or security freezes

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

Company Response: Closed with explanation

Timely Response

2019-01-25

Galena, OH

Incorrect information on your report

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

Personal information incorrect
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 XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX 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 Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Company Response: Closed with explanation

Timely Response

2019-01-24

Detroit, MI

Incorrect information on your report

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

Public record information inaccurate
Complaint: ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL LEXIS NEXIS WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH LEXIS NEXIS ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
Company Response: Closed with explanation

Timely Response

2019-01-24

NE

Incorrect information on your report

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

Account information incorrect
Complaint: I recently got insurance from XXXX XXXX in XXXX, NE. While discussing my policy with my agent lately she mentioned my low score on the CBR report they received from LexisNexis. She gave me a copy of it and if was terribly in-accurate and misleading. Nearly every credit area they reported on was years outdated or just false. I contacted LexisNexis and they said they get their data from XXXX and I should contact them about any issues.I got my full credit history from XXXX today and it has ACCURATE information ... ... yet LexisNexis is reporting something different. As you know, companies across the nation buy CBR reports to gather information on current or potential customers from LexisNexis ( and others ). How many years have they been reporting false/misleading info on me? What have these reports cost me and other consumers over the decades? My insurance company bases their premiums at least in part on this report ... ..and/or whether they want to do business with me. I am attaching the CBR report I received and my comments with enlarged print ... .also, if possible I will attach two XXXX docs that show my student loans were paid off in XXXX and XXXX ... .and not deferred as LexisNexis reports XXXX
Company Response: Closed with explanation

Timely Response

2019-01-24

Stockbridge, 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

2019-01-24

Columbus, OH

Incorrect information on your report

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

Personal information incorrect
Complaint: My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. 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 C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX 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 Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX
Company Response: Closed with explanation

Timely Response

2019-01-24

Lewisville, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: This has been going on for about over a year and a half now. XXXX still has not resolved the identity theft. This started when my wallet was stolen. My identity was used to open numerous accounts, XXXX was notified of the identity theft. I have attached Police Reports and Identity Theft Affidavits to the numerous Consumer Financial Protection bureau complaints. XXXX refuses to read the Law enforcement documentation provided in my CFPB Complaints. When I call up they Force me to verify fraud on my XXXX report as if it were my accounts or they won't speak to me. These are not my accounts. I am going to list off the things XXXX refuses to block even though they were notified and provided the proper law enforcement documentation clearly describing the crime that took place. XXXX refuses to resolve this ongoing fraud situation. In addition to that XXXX still has my wrong address after being notified over 15x. First thing is I have never opened any accounts with XXXX. This account is fraudulent, not authorized and I never received the card. Secondly, The XXXX XXXX XXXX XXXX account which is a credit card account shows as XXXX limit. This account is fraudulent, The limit is incorrect also I spoke to this institution which advised me the limit was supposed to have been {$15000.00} when I advised them of the fraud they say they resolved this and sent info to the credit bureaus to delete this however XXXX refuses to delete it. Third. XXXX XXXX XXXX XXXX. I have not authorized any accounts with XXXX XXXX XXXX XXXX, In fact the last payment made was made from a person named XXXX XXXX, and Their banking institution told me that that credit card ended up being fraudulent too. Obviously I am not receiving anything from this company this is clearly fraud wasn't even opened in my name. Please Block this account. I did not authorize it. Lastly there is accounts from XXXX XXXX, and XXXX these are fraudulent accounts. I did not authorize any auto loans with XXXX XXXX, I did not authorize membership with XXXX XXXX I never signed anything for XXXX XXXX, never received any documentation from XXXX XXXX and never authorized any accounts to be opened with their institution. The line of credit, and Auto loan you show are fraudulent. In addition to that there are two Installment loans showing for a XXXX. I did not authorize these to be opened. I do not have membership to XXXX it requires you to be part of the military or in a military family. Which I am not. So clearly I couldn't obtain membership there because I wouldn't be able to qualify. I did not open these accounts these are again the result of identity theft. All of these accounts were opened after my wallet was stolen and my identification was stolen. XXXX refuses to block these fraudulent accounts. Also XXXX is reporting an address I don't live at. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX this is not my address. In addition to this XXXX supplies this information to LexisNexis, Which is reporting this fraudulent information as well and has not worked with me to resolve this crime.
Company Response: Closed with explanation

Timely Response

2019-01-24

Hazelwood, MO

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

2019-01-23

NJ

Incorrect information on your report

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

Information belongs to someone else
Complaint: My future employment used a company by the name of Lexis Nexis to do a back ground Consume check and it came back with 2 Judgments and a bankruptcy. I've never filed for bankruptcy. There is a different 1 - Judgement - An XXXX XXXX. I don't owe nor did I apply for one. 2 - Judgement - New York State taxes. The person with these Judgments has my same name and it's clearly not me because the Social Security is a different. There has been a delay with the hiring process. Please help me. This is insane
Company Response: Closed with explanation

Timely Response

2019-01-23

Babson Park, 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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2019-01-21

Kendall, 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

Investigation took more than 30 days
Complaint: Company : LexisNexis ; Consumer Number : XXXX. A dispute letter dated XX/XX/XXXX ( attached ) was mailed to LexisNexis and received by LexisNexis on XX/XX/XXXX ( see attached certified mail receipt. ) This dispute included 9 errors which were listed in my LexisNexis consumer report. LexisNexis was unable to complete the investigation or reinvestigation within 30 days of receiving my dispute as required by section 611 of the Fair credit Reporting Act ( FCRA. ) Therefore, all items I disputed in my letter dated XX/XX/XXXX should be deleted immediately as stated in the FCRA section 611 because the items disputed could not be verified causing the investigation to be incomplete. On XX/XX/XXXX I received a response letter from LexisNexis dated XX/XX/XXXX ( attached. ) In their response letter, LexisNexis stated they " did not receive a response from XXXX, XXXX or XXXX or that the dispute submission may have been lost. '' I disputed directly with LexisNexis, not XXXX, XXXX or XXXX so that excuse is irrelevant. If LexisNexis needed more time to conduct the investigation or reinvestigation, they should have contacted me and requested additional time and they failed to do so. Since the 30 day investigation or reinvestigation was to conclude on XX/XX/XXXX, LexisNexis should have provided me with results. As of today, XX/XX/XXXX, I still have not received reinvestigation results for this dispute and I have not received an updated copy of my LexisNexis Consumer file. Finally, on XX/XX/XXXX I received a response letter from XXXX dated XX/XX/XXXX ( attached. ) In their response letter, XXXX states that LexisNexis agreed the error was made by LexisNexis and that LexisNexis has removed the item from my consumer file. LexisNexis has failed to communicate this error to me as required by FCRA section 611. As you can see by my written complaint and the attached letters, LexisNexis is in clear violation of my consumer rights, the FCRA and should be fined and held accountable for failing to conduct a timely investigation.
Company Response: Closed with explanation

Timely Response

2019-01-20

Flossmoor, IL

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

2019-01-20

AR

Incorrect information on your report

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

Public record information inaccurate
Complaint: LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY XXXX IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.
Company Response: Closed with explanation

Timely Response

2019-01-18

Glenwood, FL

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2019-01-17

Bedford, 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

Their investigation did not fix an error on your report
Complaint: On XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/2018, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This is false information, being that I received a letter from the Bankruptcy Court stating that they do NOT perform any activities with the credit bureaus. Then on XX/XX/2018, I received another letter saying that I requested them to initiate a dispute on my behalf with XXXX, XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response I received from LexisNexis, they have not only violated federal law, because reporting per FCRA should be 100 % accurate, but they have failed to properly provide any viable evidence, bearing my signature or showing the account is being reported accurately, which is what I initially requested. I have attached evidence to support my complaint. The entry is inaccurate and unverified so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus - XXXX, XXXX, and XXXX, being that LexisNexis is who reported the information to them.
Company Response: Closed with explanation

Timely Response

2019-01-17

Columbia, SC

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-01-16

Wheaton, IL

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

2019-01-15

Naples, 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
Complaint: On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my XXXX credit report. On XX/XX/18, I sent XXXX a certified letter which was received by XXXX and signed for on XX/XX/18, asking XXXX to validate this reporting. On XX/XX/2018, XXXX replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor LexisNexis ''. I have a copy of my LexisNexis report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By stating XXXX verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).
Company Response: Closed with explanation

Timely Response