LEXISNEXIS

2018-09-25

Smyrna, 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: I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all XXXX XXXX XXXX and LexisNexis as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court. So the credit bureaus and LexisNexis verification method on how they verified the Bankruptcy is invalid.
Company Response: Closed with explanation

Timely Response

2018-09-25

Ehrhardt, SC

Improper use of your report

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

Reporting company used your report improperly
Complaint: have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response 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. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY 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 XXXX 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, ( XXXX XXXX XXXX ) 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 have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.
Company Response: Closed with explanation

Timely Response

2018-09-24

AZ

Problem with fraud alerts or security freezes

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

Complaint: Notified three major credit reporting bureaus to place freeze on my accounts due to their false reporting, fraudulent personal data info selling for profit adding to existing problems of improper reporting, identity theft ; list goes on. Used XXXX article site to clink on links XXXX. Answered all questions. XXXX no problem. XXXX responded I must submit police report to accept. XXXX Responds can not verify identity. Have had FICO score alert reporting with various financial entities providing that service. Im not unknown though data submitted maybe false. ID theft by XXXX XXXX 14+ years adversely affected credit scores. XXXX covers up for XXXX false info as well By known Criminal ; list goes on. When Public Announcement Id credit freeze avail by law XXXX took advantage being unsuccessful in past ; repeated victimization ongoing. Went through process of providing proof of identity with various entities sending copies of personal documents to be told not good enough. Request my free credit report once a year ; not sent by two or even the three credit bureaus. If I get copy of one ; submit copies of disputes to other two sometimes more that are involved in smear tactics like Lexis Nexis assisting XXXX XXXX ID fraud. Ive never had XXXX XXXX yet carried by three people on their policy fraught with traffic violations ; I have none. These are only highlights of ongoing outrageous, egregious ; actionable acts of malfeasance that go unchecked by the CFPB dispute other past complaints. The XXXX XXXX XXXX XXXX XXXX is of no help. The XXXX State offices and agencies frought with all kind of internal crime and corruption. Do I need to contact President Trump and ask him to assist with these matters? Is the CFPB going to start doing their job to protect US Citizens like they are suppose to or coverup for errant entities adversely affecting our lives. Im in my XXXX year ; the Decline in Decency Of the Gov that is suppose to be of we the people in support Of enrichment of three three credit bureaus is part of the Deep State Swamp we are drowning in.
Company Response: Closed with explanation

Timely Response

2018-09-23

Hinsdale, IL

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/2018 via united states postal mail, I received a letter from the nexis lexis company stating that they received validation from the illinois federal courts that a chapter XXXX and chapter XXXX bankruptcy is being reported under my name. lexis nexis is being dishonest in its investigation as I too requested any information being reported in regards to a bankruptcy under my name to the illinois federal courts as referenced in their original consumer file that I requested and received. per the illinois federal bankruptcy courts ( letter attached ) they have not reported such information to lexis nexis or any other credit reporting agencies.
Company Response: Closed with explanation

Timely Response

2018-09-23

Hinsdale, IL

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/2018 via united states postal mail, I received a letter from the XXXX XXXX company stating that they received validation from the illinois federal courts that a chapter XXXX and chapter XXXX bankruptcy is being reported under my name. lexis nexis is being dishonest in its investigation as I too requested any information being reported in regards to a bankruptcy under my name to the illinois federal courts as referenced in their original consumer file that I requested and received. per the illinois federal bankruptcy courts ( letter attached ) they have not reported such information to lexis nexis or any other credit reporting agencies. I
Company Response: Closed with explanation

Timely Response

2018-09-22

Manhattan, NY

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: LexisNexis is violating my rights as a consumer with regard to a Bankruptcy they are reporting on my consumer credit report and selling said information to the three credit bureaus. I am NOT a victim of fraud and DEMAND a reinvestigation of this dispute. They are in serious violation of my rights under the FCRA.
Company Response: Closed with explanation

Timely Response

2018-09-22

Moapa, NV

Improper use of your report

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

Reporting company used your report improperly
Complaint: Okay, over the past several months I have been corresponding with " LexisNexis Credit Reporting Bureau '', Trying to get them to delete a Bankruptcy charge off my report. This company is a Third Party that sell information to other credit reporting Bureau which is against the law. I have copies of all three different Credit reporting agency Last credit reports. One XXXX Reporting Act shows a correction vs the other two.
Company Response: Closed with explanation

Timely Response

2018-09-22

Newnan, GA

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: There was an accident on XX/XX/2017 that happened with my father. Afterwards the claim was placed on my name, possibly due to me being a XXXX. At that time, I was nowhere near the scene and wasnt even driving. I got insurance later, around XXXX, and found out that due to a report, I have an accident under my name that I wasnt a part of. I even asked for a police report just to make sure, and sure enough, the information provided to the officer doesnt coincide with me. Just trying to get rid of this accident off of my name in order to go on.
Company Response: Closed with explanation

Timely Response

2018-09-18

Highland Park, CA

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

2018-09-16

Naples, FL

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

2018-09-14

South Florida, FL

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

2018-09-13

Rochester, OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: Report received from LexisNexis has information that belongs to XXXX XXXX. This information is on XXXX XXXX and XXXX XXXX reports from Lexis Nexis. XXXX XXXX neither one of us. This incorrect reporting has caused our insurance to excessively higher, quotes higher and denied insurance. Insurance agent called XX/XX/XXXX saying it Show XXXX and XXXX as the same person. I advised them to look at the birth dates, XXXX was XX/XX/XXXX and XXXX is XX/XX/XXXX. Only after that she recognized the birthdate wasn't XXXX XXXX. This has caused serious financial hardship. I will be speaking with an attorney for legal action to recover financially.
Company Response: Closed with explanation

Timely Response

2018-09-12

Beaver Creek, 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

2018-09-11

Bedford, TX

Incorrect information on your report

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

Personal information incorrect
Complaint: I have twice XX/XX/18 and XX/XX/18 to have my consumer file updated and they keep reporting the same incorrect information. They have names, addresses, insurance companies and a bankruptcy that doesn't belong to me in my consumer file. I am not sure whom they are verifying this with but it is inaccurate.
Company Response: Closed with explanation

Timely Response

2018-09-11

PA

Incorrect information on your report

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

Public record information inaccurate
Complaint: This is an addition to complaint # XXXX The public records data from LexisNexis does not comply with the National Consumer Assistance Plan ( NCAP ). I've been iterating the fact that inaccuracies exist in my report. Under the National Consumer Assistance Plan ( NCAP ) the public record data must have your name, address, and either your Social Security number or your date of birth. See attached page 9 of LexisNexis document. The data from LexisNexis only has my name, the other 2 pieces of required information is not listed, how then can it be established and confirmed that I am the filer of the bankruptcy when there are many people with the same 1st and last name? Note : XXXX has 2 social security numbers listed on my report. According with the National Consumer Assistance Plan ( NCAP ), the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. The attached public records document ( pg9 ), from LexisNexis reads " This section contains bankruptcies filed in your name in federal bankruptcy courts. '' it further goes on to state " ... the source last provided information related to the bankruptcy ... '' Here LexisNexis claims that a " source '' provided information related to the bankruptcy. The " source '' would be the bankruptcy court, I have documented proof that the " source '' has not ever provided information to LexisNexis, ( see the attached court document dated XX/XX/2018 ). In the court document the first line reads : " Please be advised The United States Bankruptcy Court does not provide information to credit reporting agencies. '' Therefore LexisNexis is now proven to have falsely and inaccurately reported damaging information in their database, which was then relied upon by the credit bureaus, XXXX and XXXX which cite LexisNexis as their " source. ''
Company Response: Closed with explanation

Timely Response

2018-09-10

Tallahassee, FL

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

2018-09-10

New York, NY

Incorrect information on your report

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

Public record information inaccurate
Complaint: TO Lexis Nexis : CFPB case # XXXX Lexis Nexis # XXXX This is my 3 rd letter to you on this issue. When my employer checked Lexis Nexis on me you sent them a file with 71 " historic & Undocumented '' Judgments & Liens. that's 71 ( seventy one ). When I wrote a dispute you sent me my file with only 1 judgment & lien. THERE IS A SERIOUS DISCREPANCY HERE. I have several current credit reports from XXXX XXXX, XXXX, XXXX. They list no judgments or liens. NONE. I hired an attorney to do a upper and lower case search on me, They found NO judgements or liens. I have the file with 71 judgments listed, please see this file. The IRS lien you list 5 times, 4 of the 5 are duplicate an the 5 th shows " satisfied ''. Same with all the others, duplicate and of " satisfied '' many years ago. Please correct your records. If you send this false and mis leading file again I will pursue legal action with punitive damages. Please send me a corrected file showing NO judgments or liens. Sincerely XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Soc sec XXXX DOB CC : 1- CFPB
Company Response: Closed with explanation

Timely Response

2018-09-09

Rochester, OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: LexisNexis is report an at fault accident for me in a car I never owned or drove. The accident occurred in XX/XX/XXXX. I was hit by the driver and owner of vehicle LexisNexis is showing me as owner and at fault. The vin # of the car show me not the owner or driver. LexisNexis is reporting false and incorrect information. I went XXXX XXXX Agent they show from Lexis Nexis I had an at fault accident driving a XXXX XXXX I don't own or have ever drove. This has cost me higher premium or denial of insurance coverage. LexisNexis also have another person connect to the report they provided to me. This has cause insurance agents to ask me if this person resides at my address. XXXX agent on Friday XX/XX/XXXX corrected the false information in their system once I took proof from my insurance company that I never owned or insured the car they are saying was my and at fault. I took proof from the insured company showing their client was at fault with that vehicle. However, it is still being falsely report on other agents checking LexisNexis site. If I had the document before XXXX corrected their system I will be taking this lying, false report fake Lexis XXXX to court, If I get a copy of that report they will be in court. For 5 years I have paid a higher insurance premium at their stupidity. XXXX XXXX IS LISTED ON THIS REPORT FROM LEXISNEXASS. WHY? Is XXXX on the report you sent me? Maybe XXXX XXXX can sue Lexis Nexis
Company Response: Closed with explanation

Timely Response

2018-09-07

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

2018-09-07

Shoals, 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: I have disputed this account entry with Lexis Nexis on multiple occasions regarding the inaccuracies that are reflected among the 3 credit bureaus. In a previous dispute to them, I specifically disputed the filing dates ( each bureau reflects a different filing date ), reference numbers ( each bureau reflects a different reference number ), as well as court ( each bureau reflects a different court ) and amount. Lexis Nexis responded in their letter dated XX/XX/XXXX ( see attached ), that the bankruptcy records are accurate. Again this is untrue. There are inconsistencies among all 3 bureaus. After reviewing their response, I immediately sent them a letter addressing my concerns again, for which they had not responded. See attached return receipt card that reflects XXXX signed for the delivery of this letter on XX/XX/XXXX. To date, XX/XX/XXXX, I have not received any correspondence from Lexis Nexis whereby they would be responding to my letter they received on XX/XX/XXXX. In this letter, again, I made reference to the fact that there were indeed inaccuracies reflected on each of my bureau reports, but moreover, I was requesting a description of the procedure used to determine the accuracy and completeness of information that they were claiming was accurate. Since it has been 60 days since Lexis Nexis received my dispute and they have opted to not respond, these inaccurate entries should be deleted from my credit profiles immediately.
Company Response: Closed with explanation

Timely Response

2018-09-07

VA

Improper use of your report

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

Reporting company used your report improperly
Complaint: On XX/XX/2018, I received information from XXXX of a Public Record on my credit file. I was curious and wanted to find out where this information came from. I found out that part of the information came from a company called Lexis-Nexis. I never did business or heard of such a company so I contacted them to see what type of business this is and where did they obtain their information. They explained that they were not a credit agency although they collected and distributed information on consumers. I asked since they are a source of information for businesses is their any requirements that they should obtain authorization from a customer before they sell or share such information? This is found on the website : Please note that LexisNexis Risk Solutions is not a credit bureau and does not maintain a database of credit information. We do not have the ability to add a security freeze to your credit file. If they do not maintain credit information then their access appear to be unlawful and possible fraudulent. Please share your information in regards to this company. As XXXX of Lexis-Nexis that they are in compliance with all regulations. Thank you
Company Response: Closed with explanation

Timely Response

2018-09-07

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

2018-09-06

Euclid, 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
Complaint: On XX/XX/2018 I requested method of verification from Lexis Nexis for inaccurately reporting a bankruptcy # XXXX. I was told by their rep that they call the court and the court verifies that information. Upon telling them the court said they dont verify ANY of that information they insisted that they called again and got the same response and was also told I would need to show proof. I then sent proof to Lexis Nexis via email in form of a letter I received from the court house stating they dont verify that information and they sent an email stating they received my letter from the court.They also asked if I had a FTC report and I started to send it to them. My thing is why are they asking for anything further when I have already sent them a letter from the court which would be the FURNISHER of the information??? The burden of proof is on them. I also asked for VALIDATION which means they should be able to provide proof in form of an original contract, promissory note, or some documents with my original signature which they cant because they would have done so by now. According to the CFPB and the FCRA they are violating my consumer rights. They continue to falsely report this bankruptcy on my file and its hendering me from obtaining credit.
Company Response: Closed with explanation

Timely Response

2018-09-05

Charlotte, NC

Incorrect information on your report

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

Public record information inaccurate
Complaint: Disputed inaccurate bankruptcy information and XXXX refused to dispute information through contacting the court house. I would like this inaccurate information deleted. Thanks
Company Response: Closed with explanation

Timely Response

2018-09-05

PA

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/XXXX I sent certified mail XXXX to LexisNexis Consumer Center it was received on XX/XX/2018. Below is a copy of what I sent, LexisNexis has failed to respond or comply. To Whom It May Concern : Be advised this is a notice to inform that your public records information is disputed based upon inaccurate information, and validation is requested. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( i ) ( ii ), Responsibilities of furnishers of information to consumer reporting agencies. I have the right to request validation of the public records information. I am requesting proof that I am indeed the party listed in public records. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S. Code 1681i, ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy. And the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) I respectfully request that your offices provide me with competent evidence that public records information is accurate. Pursuant to the FCRA, Section 611, Paragraph ( 6 ) ( B ) ( iii ), Please provide the following : The name of the courthouse The address of the courthouse The person 's name the dispute was verified with at the courthouse The person 's telephone number the dispute was verified with at the courthouse The documentation used to verify the dispute with the court The case or reference number The date this dispute was originally validated and verified with the court, BEFORE being furnished to the Credit Bureaus. Pursuant to FCRA, section 611 ( a ) ( 6 ) ( 7 ) you have 15 days to provide the requested proof. If you can not provide all of the request proof you must PERMANENTLY DELETE the information from your records pursuant to Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fed. XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. Best Regards, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response