LEXISNEXIS

2018-10-19

Angola, 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: Still at with Lexis Nexis. At last count, 39 Disputes. As of XX/XX/XXXX the fix has been ; We have now no Car ( we own one ) We have now no Home, no Home at all. We bought, own and maintain a Home since XX/XX/XXXX. The previous property listed prior to XX/XX/XXXX we walked away from. A Home Listed in A Bankruptcy that was discharged in XX/XX/XXXX. My one of many deliberate reasons I have issues with Lexis Nexis. XXXX Deliberate as I have disputing this among many more created and stubbornly refuse to correct.
Company Response: Closed with explanation

Timely Response

2018-10-19

Randolph, MA

Incorrect information on your report

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

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2018-10-19

Boca Raton, 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

2018-10-18

Nyc, NY

Incorrect information on your report

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

Public record information inaccurate
Complaint: LexisNexis is sharing inaccurate information with the 3 credit bureaus : XXXX, XXXX, and XXXX. I sent them a notarized letter via certified mail and a letter from the court regarding this inaccurate public record. LexisNexis needs to remove this erroneous item from my file. It is hurting my credit.
Company Response: Closed with explanation

Timely Response

2018-10-18

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

Their investigation did not fix an error on your report
Complaint: XXXX is reporting a public record, Bankruptcy on my credit profile and that XXXX is obtaining that information from a third party data furnisher, LexisNexis. I contacted LexisNexis and disputed this information and then sent me a copy of my Consumer report which stated : After a reinvestigation of the data in question, LexisNexis was unable to verify the accuracy of bankruptcy case # XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your LexisNexis Risk View Report. I then sent my LexisNexis report to XXXX but they continue to report this public record stating that LexisNexis is continuing to provide this data and will not remove it from my credit profile.
Company Response: Closed with explanation

Timely Response

2018-10-17

Taylor, MI

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
Company Response: Closed with explanation

Timely Response

2018-10-17

Greenwood, 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

Their investigation did not fix an error on your report
Complaint: I have made disputes to XXXX via mail and their on-line dispute process and also on XX/XX/2018 via CFPB and on XX/XX/2018 via CFPB as part of a dispute against XXXX XXXX. My dispute is that the public record bankruptcy information on my XXXX Credit report was not accurately/officially verified through the bankruptcy court so should not be on my XXXX credit report. How do I know it was not accurately/officially verified is that I received documentation from the bankruptcy court that they do not report to or verify information with the credit reporting agencies. I have submitted this documentation to XXXX on all the disputes made but they do not acknowledge the bankruptcy court documentation at all and report that they have contacted their public record vendor who verifies the information as accurate. XXXX has not disclosed who the public record vendor is or provided any information on how the vendor verified the information or when. This is what they indicated in the last response to my CFPB complaint. " At your request to begin a reinvestigation, we contacted the public record vendor as needed to verify the accuracy of the information with which I disagree, The public record vendor has verified the accuracy of the disputed information ''. This is not an acceptable response as again they did not disclose who the vendor is or how the information was verified or when. Them indicating the information was accurately verified is in direct conflict with what the bankruptcy court documentation indicates. I had to guess that the vendor they use is XXXX XXXX per XXXX not disclosing who the vendor is they use. I filed a complaint against XXXX XXXX via CFPB disputing the accuracy of the information that they provide and to indicate how and when the information has been verified seeing that the bankruptcy court says they do not report or verify such information with the credit reporting agencies. The documentation from the bankruptcy court was included in the complaint and XXXX was made a part of that complaint. We have yet to hear from XXXX XXXX but XXXX continues to say the information has been verified as the final results of the XX/XX/2018 CFPB complaint in which they are included with Lexis Nexis. The following is my feedback response to CFPB related to XXXX XXXX response to the XX/XX/2018 complaint : I had already made several complaints to XXXX via mail, their online process and CFPB. This complaint was primary directed toward Lexis Nexis their third party vendor but it was pertinent that XXXX be included in the complaint. It is almost funny how XXXX gives the long scripted responses but it is really not funny because my credit life is being impacted. XXXX really has not directly dealt with the complaint. Yes, XXXX did recently send me an investigation response that they did their investigation and did verify that the bankruptcy information on my credit report they got form the third party vendor is accurate.. XXXX however does not say who the third party vendor is or how the third party vendor verified the information. I have actually had to guess who the third party vendor is, Lexis Nexis,. XXXX XXXX response reports that the vendor is suppose to investigate per their request for them to do so then they get the results. Well those results should be shared with me other than indicating it was verified and not sharing any details. That is a hugh injustice to me as it seems as if XXXX is just taking Lexis Nexis word for it and not really getting verification proof and if they are getting the proof XXXX is not disclosing the specifics of the proof but just saying that it is verified. CFPB please advocate for me to have XXXX rightfully reveal the specifics of investigation results from the third party vendor other than just saying verified. However since this complaint was primarily directed toward Lexis Nexis, we will see what they provide to prove that they did infact verify the information with the bankruptcy court because if not the information is not officially valid and should not be on my report. Also I want to say and do not see how XXXX can continue to overlook the fact that I have provided written documentation from the bankruptcy court that they do not report to or verify bankruptcy information with the credit reporting agencies. That should be enough for XXXX to remove the bankruptcy information from my credit report as it is not officially valid because the court does not verify it, therefore the information they are getting from Lexis Nexis is not valid and if Lexis Nexis says it is than we have a problem because the US Bankruptcy Court indicates otherwise.
Company Response: Closed with explanation

Timely Response

2018-10-16

Pulaski, MS

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: Lexis Nexis, XXXX, and XXXX credit reporting agencies Per the FCRA 623 ( a ) ( 5 ) : did not VALIDATE my information with the ORIGINAL CREDITOR, and did not remove the said information from my credit file. NOTE : any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires to notify the party who furnished the disputed information " Federal courthouse and " U.S. Bankruptcy Court " which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances. As such, FCRA 1681 ( p ) ( 1 ) consumer reporting agency maintaining files for the purpose of furnishing consumer reports to 3rd parties bearing on a consumers credit worthiness, credit standing, or credit capacity ( 1 ) public record information is unverified and unconfirmed information. According to XXXX Law Dictionary, the person who verifies my information must have first-hand knowledge and willing to testify under oath in a court of law. According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Privacy Act of 1974, 5 U.S.C. 552a and FCRA 16 CFR Part 660.
Company Response: Closed with explanation

Timely Response

2018-10-16

Wickes, AR

Improper use of your report

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

Reporting company used your report improperly
Complaint: There is a negative information reported by XXXX XXXX XXXX XXXX-XXXX XXXX in my file that is under my Social Security number. Upon reviewing a copy of my credit report from Lexus Nexis, I see an entry listing Chapter XXXX Bankruptcy on XX/XX/2018 date. I challenge the accuracy, fairness, compliance, and reportability of this listing, also I stated for them to please validate this information and provide me with copies of any and all documentation associated with these account bearing my signature. I formally request that this information be immediately deleted from the credit file they maintain under my social security number. The United States Bankruptcy court do not report any activity to credit bureaus, nor do they verify that the information report is accurate. This part is the second and final comments of this dispute. The first part of this dispute is in the documents that is attached and being 31 days or more apart, however the first document is dated XX/XX/2018 with the asking in a goodwill attempt. There is two documents attached. ( I haven received a response ) If any more imformation is needed. yours truly..
Company Response: Closed with explanation

Timely Response

2018-10-16

Amherst, 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

2018-10-16

Amherst, NY

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

2018-10-15

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

2018-10-15

Aurora, CO

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

2018-10-15

Ehrhardt, SC

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
Company Response: Closed with explanation

Timely Response

2018-10-14

Mount Pleasant, MI

Incorrect information on your report

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

Public record information inaccurate
Complaint: I mailed out a dispute on XX/XX/2018 via certified mail to LexisNexis disputing a bankruptcy that LexisNexis is reporting. I received a letter back from LexisNexis dated XX/XX/2018 stating that they verified the bankruptcy and that it was reporting accurately on my LexisNexis report. I then mailed out a second certified letter to LexisNexis on XX/XX/2018 requesting the method of verification that was used in order to verify the bankruptcy from the letter I received back from LexisNexis on XX/XX/2018. I then received a reply from LexisNexis dated XX/XX/2018 stating that LexisNexis is unable to determine exactly what I am disputing. So now LexisNexis has failed to address my dispute in my second certified letter sent on XX/XX/2018. According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) this record must be removed. LexisNexis clearly understood my initial dispute but once they received my second letter requesting their Method of Verification, then they " are unable to determine '' what is being disputed. Either LexisNexis follows the law or, the item is to be deleted from the report because " It is a common maxim that 'ignorance of the law will not excuse any person, either civilly or criminally.? XXXX v. United States, 7 Pet. 404, 411.
Company Response: Closed with explanation

Timely Response

2018-10-12

Franklin, 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

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

Timely Response

2018-10-11

Chicago, IL

Incorrect information on your report

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

Public record information inaccurate
Complaint: I submitted a public record investigation request to LexisNexis XX/XX/2018. I received a response more than 35 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA.
Company Response: Closed with explanation

Timely Response

2018-10-10

Ocklawaha, FL

Incorrect information on your report

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

Account information incorrect
Complaint: I have excellent credit for both home and auto, however Lexis Nexis reported incorrect scores to my car insurance company XXXX XXXX XXXX XXXX XXXX due to an error reported to the credit bureaus in XX/XX/XXXX as a result of my doing a balance transfer from one credit card to another in order to reduce my interest rate. I had requested that LexisNexis run my credit and auto scores 90 days prior to my car insurance premium renewal for my insurance company because I felt my insurance premium was too high. LexisNexis came back with the incorrect scores due to the balance transfer error. In turn, my insurance company raised my car insurance premium rather than lowering it. When I found this out I filed a Direct Dispute with XXXX who had said my scores as of early XX/XX/XXXX were Credit XXXX and Auto XXXX. XXXX then looked into this and XXXX corrected the scores as of XX/XX/XXXX to read XXXX XXXX and XXXX XXXX and as of XX/XX/XXXX for both XXXX and XXXX. As of XXXX they are currently XXXX. I then contacted LexisNexis XXXX XX/XX/XXXX, their reference # XXXX and appealed to them about these errors and requested they use my correct scores going back to XX/XX/XXXX, since had there not been an error made, those are the scores they would have used and reported to XXXX XXXX. LexisNexis refuses to use them and my car insurance company claims they can not discuss anything about my credit with them and therefore they can not use the new scores to reduce my premiums. The lower credit and auto scores, XXXX and XXXX, are causing my car insurance premiums to increase rather than decrease. XXXX has my credit score at XXXX as of XX/XX/XXXX which is even higher than XXXX and XXXX, and, my auto score as of XX/XX/XXXX, was XXXX. Since my credit and auto scores were lowered through no fault of my own then readjusted to reflect the correct scores, I strongly feel that my insurance premium should reflect my much higher scores. There is a big gap from Early XXXX to XXXX. What LexisNexis is refusing to do for me, a XXXX year old Senior citizen on a fixed income who was empoyed by the federal government for 30 years and who hasn't seen a cost of living increase in the past 3 years and most likely will not see an increase in XXXX is shameful. A copy of this went to The Florida Attorney General, XXXX XXXX, the Florida XXXX XXXX, LexisNexis and XXXX XXXX XXXX XXXX XXXX. I have not heard back from anybody except the Department of Financial Services instructing me to submit a claim to you.
Company Response: Closed with explanation

Timely Response

2018-10-10

Edmond, OK

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-10-10

Edmond, OK

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-10-08

Little Rock, AR

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

2018-10-08

AL

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 disputed a error of bankruptcy being reported on all three credit reports several times. Lexis Nexis is a third party reporting agency whose giving false information. I NOTIFIED THE BANKRUPTCY COURTS they sent a letter saying the do not report information to the credit bureau. I in returned sent the letter to all three credit bureaus the refused to remove it. I never received another reference number showing a investigation was being filed.
Company Response: Closed with explanation

Timely Response

2018-10-06

Cheshire, OR

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: Please consider this letter is my formal complaint against LexisNexis who has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, and finally to the CEO, XXXX XXXX on XX/XX/18. Upon receiving their response ( to the 3rd letter ) that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. I did not receive a response to this request nor did I receive a response from the CEO, XXXX XXXX, to the letter addressed to him directly, delivered on XX/XX/18. In the meantime, I also obtained a letter from the XXXX Florida Bankruptcy Court which clearly stated that they do not provide any information to the credit bureaus. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. Thank you for your time and assistance in this extremely important issue.
Company Response: Closed with explanation

Timely Response

2018-10-05

Greenwood, CA

Incorrect information on your report

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

Public record information inaccurate
Complaint: I have disputed with XXXX and XXXX Credit Reporting Agencies that the public record information of bankruptcy on my credit reports was not appropriately/offically verified through the bankruptcy court so should not be reported on my credit reports. How do I know that the information was not appropriately/officially verified through the bankruptcy court is that I have documentation from the bankruptcy court saying that they do not report to or verify court information with the Credit Reporting Agencies. I disputed this with XXXX and XXXX both in writing and through their on-line dispute processes. I also made a complaint through CFPB. Both XXXX and XXXX indicate that the information has been " Verified '' as accurate. They both use a third party vendor, LexisNexis to get this information, yet they do not provide specific evidence on how LexisNexis verified the information. They both overlook the fact that I have documentation from the bankruptcy court that says that they do not report or verify court information with the Credit Reporting agencies. Just this in itself should cause XXXX and XXXX to demand that LexisNexis provide proper evidence that they did infact verify this information through the court instead of taking their word for it and then reporting to me that it was verified. Also once this evidence is obtained from LexisNexis it is only fair and right that it is shared with me as proof.Without proper/offical verification from the court the information should not be put on my credit report as it is hearsay and it is an hugh injustice for them to put it on my credit report which vastly, negatively impacts my ability to get credit. SO THIS COMPLAINT IS ACTUALLY DIRECTED TOWARD LEXISNEXIS. I am disputing the validity of the public record information that they are providing to XXXX and XXXX as not accurately verified through the bankruptcy court, therefore they should not provide this information to the Credit Reporting Agencies to put on my credit reports. I also would like to question them on how the Credit Reporting Agencies can say that the information was accurately verified by LexisNexis when my documentation from the bankruptcy court says that they do not report or verify this information with the credit reporting agencies. LexisNexis should either provide the proper proof that the information was indeed verified through the court or contact XXXX and XXXX to indicate that it was not and have them remove from my credit report. I have not previously disputed this directly with LexisNexis as I have tried to dispute it with XXXX and XXXX to no avail, so at this point related to what level this has become, I am disputing this with LexisNexis via CFPB. LexisNexis can refer to the documentation from the bankruptcy court that will be attached to this dispute, uploaded documentation from XXXX and XXXX dispute responses saying that the information has been verified and the dispute letters that I sent to XXXX and XXXX. LexisNexis should not be providing information to the Credit Reporting Agencies that they did not properly verifiy as this severely impacts the credit and livelihood of people as a result of the negative information on their credit report.
Company Response: Closed with explanation

Timely Response

2018-10-05

Five Points, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, XXXX, LexisNexis must delete this information from my credit report, and i asked them on several occassions starting ( XX/XX/2018 ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated.
Company Response: Closed with explanation

Timely Response