LEXISNEXIS

2018-09-05

Charlottesville, VA

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

2018-09-04

Oxford, GA

Incorrect information on your report

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

Information is incorrect
Complaint: LexisNexus is reporting the wrong information about my property loss history. I have try twice with them to correct the problem. My insurance XXXX confirmed to them that those losses was not homeowners related rather a electronic repairs. With all that LexisNexus is keeping this information on my property report that is not allowing me get affordable homeowners insurance.
Company Response: Closed with explanation

Timely Response

2018-09-04

Little Rock, 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: ON XX/XX/2018 I SUBMITTED A SECURITY FREEZE WITH LEXISNEXIS AND I HAVE COPIES OF THE SECURITY FREEZE CONFIRMATION SO SHOW,, SO I DONT KNOW WHY LEXIS NEXIS IS SHARING MY INFORMATION WHEN I HAVE PLACED A FREEZE UNDER MY SSN,,, THEY SHOUDNT BE GIVING OUT ANY INFORMATION ABOUT ME TO NO ONE,, SO WHY IS IT THAT THE 3 CREDIT BUREARS STATING THEY GETTIN INFOMRATION FROM LEXISNEXIS,,, I ASKED FOR YALL TO FREEZE ON MY FILE,, BUT YET U ARE GIVING XXXX,, XXXX AND XXXX ABOUT ME UNDER MY SSN,,,, I WILL BE FILING A SAMLL CLAIMS
Company Response: Closed with explanation

Timely Response

2018-09-03

Lancaster, PA

Incorrect information on your report

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

Public record information inaccurate
Complaint: I have sent 2 certified letters to LEXISNEXIS asking to verify bankruptcy being reported on my consumer file with them.They receive letters on XX/XX/XXXX and XX/XX/XXXX.Ask for names, address, phone numbers of whom the contacted about bankruptcy being reported on file with them.Received first response from LEXISNEXIS ( saying after reinvestigation of the data in question. LEXISNEXIS VERIFIED THAT BANKRUPTCY IS ACCURATELY REPORTING ON YOUR LEXISNEXIS RISKVIEW REPORT ) .The second letter basically was asking the same thing, asking for names, address, phone numbers.But instead they sent a RISKVIEW DISCLOSURE REPORT REQUEST.WHICH I DID NOT ASK FOR.PLEASE NOTE : BANKRUPTCY RULE 9037 WHICH STATES THATpersonal 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 court.please help me resolve this problem of getting it remove from my consumer file with LEXISNEIXS.And any automated response or e-Oscar verification is unacceptable from LEXISNEXIS.THANK SO MUCH
Company Response: Closed with explanation

Timely Response

2018-09-01

Hollywood, 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

2018-08-30

Georgetown, IN

Incorrect information on your report

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

Information is incorrect
Complaint: I have contacted this company on several occasions requesting them to STOP report information on my behalf as the information being reported is not accurate information. The company has failed to cease and desist the reporting information and has not corrected or updated its records. The information this company has gathered on my behalf is not accurate.
Company Response: Closed with explanation

Timely Response

2018-08-30

Clermont, FL

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I HAVE NO KNOWLEDGE OF THIS DEBT, RECENTLY I STARTED LOOKING INTO MY BILLS, AND DEBTS, I CAME ACROSS A JUDGEMENT PLACED ON MY CREDIT REPORT FROM A COMPANY CALLED XXXX XXXX. THIS WAS ODD TO ME AS I HAVE NEVER LOVED AT SAID ADDRESS. I AM AN XXXX XXXX XXXX VETERAN XXXX XXXX THE JUDGEMENT IS FOR OVER 6000.00. I AM ASKING THEM TO VALIDATE THIS DEBT, SHOW PROOF I WAS NOTIFIED OF THIS. SHOW I WAS PROPERLY SERVED. SHOW AND VALIDATE MY SIGNATURE. I AM ASKING THEM BECAUSE THIS IS CAUSING ME TO NOT BE ABLE TO FIND AQUEDATE HOUSING I CAN NOT RENT A HOME, I CAN NOT APPLY FOR A HOMES, AS THIS IS SHOWING AS A DEBT A JUDGEMENT A EVICTION, ON LEXUS NEXIS REPORT. I CAN NOT AFFORD TO PAY FOR THIS DEBT THAT IS NOT MINE. THIS IS UNFAIR A UNJUST. consumer number # XXXX
Company Response: Closed with explanation

Timely Response

2018-08-30

Plymouth, FL

Incorrect information on your report

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

Public record information inaccurate
Complaint: There are actually a few problems I'm having with LexisNexis. I have been disputing my LexisNexis file since early XX/XX/XXXX in order to clear up outdated addresses, incorrect addresses, and an incorrect, unverified, invalidated eviction record. I am in the process of searching for a home and all of this has been hindering me from moving forward with this. 1 ) LexisNexis has repeatedly come back to me stating that the ( truly unverified, invalidated, incorrect ) eviction record is " verified '' and " accurate ''. 2 ) Alongside the previous, under the FCRA, they are required to provide a copy of an original consumer agreement / original contract / original instrument of indebtedness bearing my signature, yet, they have not supplied this information ( and it's now XX/XX/XXXX ). 3 ) This eviction record is reported throughout my consumer file and falsely reports that I was at the plaintiff 's apartment complex during a time I absolutely was not ( XX/XX/XXXX, and more specifically, XX/XX/XXXX ), nor did I have contact with them. I was living with family and had my address changed at the very end of XX/XX/XXXX! It also does not contain pertinent information, like my SS #, DOB, and my middle name or initial! Yet, somehow, this is an " accurate '' and " verified '' record??? 4 ) LexisNexis has also not verified the validity of the false " date last seen '' with original documentation. 5 ) While many false, incorrect, and outdated address records have been deleted, there are a few that have remained that they continue to leave in my file despite my detailed requests. 6 ) After I sent in my 2nd dispute, I never got immediate confirmation that my dispute began for 2 weeks. I ended up having to call and got a rep to put the dispute through. They were about to ignore my 2nd dispute! 7 ) I just sent in my 3rd dispute and they're doing the same thing! They have not confirmed the start of my new dispute for days now. Their negligence and violations of consumer law are holding me up from obtaining housing. 8 ) I confirmed from the courthouse with calls and from information right on their website that they DO NOT supply information to 3rd parties, like credit bureaus and LexisNexis ( I specifically asked about LexisNexis when I called and I was told 'no, they do not ' ). 9 ) Therefore, this confirms for a FACT that LexisNexis has been utilizing 3rd parties, like PACER and others to " verify '' records, which means these records are not truly being verified at all as the LAW requires! As other sources have also proven, PACER, in particular, ( also ) never contains 100 % accurate information and contains incomplete, inaccurate information! The documents I attached also prove how much these 3rd parties are inaccurate as there is LOTS of false info included in these records. The PACER system does not provide complete SS # s etc. -- they're not even allowed to under the FCRA -- as it would be a violation of the FCRA and the privacy laws. Therefore, what they provide CAN NOT be 100 % accurate. And, even though they hold or pass along this info, it's STILL not enough to verify records ; they are NOT the original furnisher of the account / record. For these 3rd parties to pass along this inaccurate, incomplete information to you is a violation of my rights and of the privacy laws. I am outraged that your company, LexisNexis, continues to maintain an inaccurate, unverified, invalidated eviction record ( and outdated addresses ) as " verified '' and " accurate '' in various reports in my consumer file. Again, the eviction record in particular has hindered me from obtaining housing. Their negligent actions are very dangerous to my person and my identity as a consumer.
Company Response: Closed with explanation

Timely Response

2018-08-29

Blackbird, DE

Incorrect information on your report

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

Account information incorrect
Complaint: LexisNexis is a fourth credit bureau with public record information that is used by apartment complexes to determine qualification for a lease. They have a judgement on their records for me that was WITHDRAWN. I need it removed. I attempted to dispute this with LexisNexis directly but that process isn't available. The Fair Credit Reporting Act would cover them as well and gives me the right to dispute negative items on their files. I have attached a copy of the notice of WITHDRAWN judgement. The court is XXXX XXXX XXXX in XXXX, DE. The case is XXXX
Company Response: Closed with explanation

Timely Response

2018-08-28

30th Street Train Station, PA

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

2018-08-28

Dayton, WY

Incorrect information on your report

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

Information belongs to someone else
Complaint: I received a 112 page report from Lexis Nexis after investigation from a Bank Lender in which I was turned down. Upon inquiry and review of the report. It reflects Various different names including various Social Security numbers. Multi State addresses of various origins [ with various names, social security and addresses of multiple persons ]. Accounts that are in excess of 7 years or no relative nor belonging to myself. Not gender specific and includes multiple levels of false and fraudulent materials. The company claims to have retrieved their information from public sources or the major Credit Bureaus. I know that from working with the credit bureaus that 95 % or better is not even listed on my accounts. This is the Second attempt to challenge their information and would like the CFPB to assist with enforcing the accuracy and correctness of what this agency is reflecting. It has caused me to be denied credit multiple times and It was not until I called them directly to dispute an item that I learned of the " 112 '' page errors and inaccuracy. I have been denied employment as a result of this as well.
Company Response: Closed with explanation

Timely Response

2018-08-27

Chicago, IL

Incorrect information on your report

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

Public record information inaccurate
Complaint: I sent a request XX/XX/2018 to lexisnexis for removal of public records since they were past the time getting a response from the credit bureaus. LexisNexis responded with a disclosure report instead. This violates FCRA regulations ...
Company Response: Closed with explanation

Timely Response

2018-08-27

La Vergne, TN

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: LexisNexis ( LN ) is reporting an incorrect Filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. LN is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11 U.S. C. 348 ( a ). The section 348 ( a ) concerns the effect from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing of the case or petition the commencement of the case and the order of relief. XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initail filing date. Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case. 1. LN reports Chapter XXXX original filing date as XX/XX/XXXX and case number XXXX. 2. LN reports that Chapter XXXX original filing date is XX/XX/XXXX and case number XXXX 3. LN reports Chapter XXXX discharge date XX/XX/XXXX case number XXXX. 4. LN reports case ID for both Chapter XXXX and Chapter XXXX as XXXX. 5. I have enclosed documentation from XXXX that states that the filing date for ChapterXXXX petition is datedXX/XX/XXXX. 6. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX 7. I have enclose the Discharge of Debtor order dated XX/XX/XXXX. 8. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX must be the original date of the Chapter XXXX petition date XX/XX/XXXX. I am requesting that LN correct their records to reflect the law and communicate the information to all credit bureaus which solicit information from LN. I am requesting a corrected copy of my entire file.
Company Response: Closed with explanation

Timely Response

2018-08-26

Fort Pierce, FL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-08-26

Fort Lauderdale, FL

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-08-24

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: CFPB case number XXXX Shows as " closed '' This is not accurate, I never received a reply. I requested that LEXIS Nexis remove all old, repeated, inaccurate information in my file on judgements and liens, They never replied and CFBP closed the account?
Company Response: Closed with explanation

Timely Response

2018-08-24

Cabot, AR

Incorrect information on your report

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

Public record information inaccurate
Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), 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. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that the following account be verified or removed immediately. XXXX XXXX of Arkansas Discharge Date XX/XX/2017 Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff
Company Response: Closed with explanation

Timely Response

2018-08-23

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

2018-08-22

Oxford, 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 checked with XXXX XXXX XXXX XXXX XXXX about the reason my rates were climbing. They informed me that my recent credit report did not qualify me for a better rate on XX/XX/2018. My XXXX score at that time was XXXX. They explained that they received the credit info from LexisNexis Consumer Center. I sent a letter to LexisNexis on XX/XX/2018 asking them to explain to me what was in my record that made my insurance rates rise so much. On XX/XX/2018 they sent me a letter that they needed to authenticate my identity. It was returned to them the next day. The last letter dated XX/XX/2018 stated they could not find any data on me. Also, documented facts that files XXXXay be in their system must be sent to them before they conduct additional research. All the documents i have referenced are available to you if needed.
Company Response: Closed with explanation

Timely Response

2018-08-22

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

Their investigation did not fix an error on your report
Complaint: LexisNexis 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, XX/XX/18 and XX/XX/18. Upon receiving their 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. In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus, as well as another letter indicating they did not and would not confirm nor verify any information to a credit bureau. 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

2018-08-21

Cheverly, MD

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 reached out to Lexis Nexis on XX/XX/2017, and requested an full file disclosure report. After I received said report I immediately reached out to Lexis Nexis and dispute inaccurate information of my credit report and request correction and a new full file disclosure report to verify all infomation was corrected within their 50 plus page file.. I have contacted Lexis Nexis ten times and requested a copy of the full file disclosure consumer report and to date Lexis Nexis has refsued to the follow the FCRA and provide the consumer with a complete copy of their reports including reports for their subsidaries companies.
Company Response: Closed with explanation

Timely Response

2018-08-21

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: I have disputed the inaccuracies of the bankruptcy reflected on my credit reports. The bureaus and Lexis Nexis alike have stated in their responses that the entries are accurate and verified. This is wholly untrue. In my initial dispute to Lexis Nexis I advised them that the entry was inaccurate and they responded that it was indeed inaccurate. In my next letter to them ( see attached ), I requested the method of verification that was utilized to report this entry on my credit reports. I inquired of the source of the information and how did they verify the details were accurate. To no avail. Lexis Nexis replied ( see attached ) with a standard reply, yet did not address nor correct the inaccuracies that are reflected among all 3 bureaus. In my most recent communication to them ( see attached ), I questioned them on their re-investigation method. I specifically inquired as to why their company was continuing to reflect 2 different reference numbers among the 3 bureaus for the same entry. These entries are inconsistent and differ in reporting on all 3 bureaus from the filing date ( 2 different filing dates are reporting amongst the bureaus ) ; 2 different reference numbers are reporting among the bureaus ; 3 different courts are reporting among the bureaus. These entries are not 100 % accurate and must be deleted!
Company Response: Closed with explanation

Timely Response

2018-08-20

Detroit, MI

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2018-08-20

Artesia, CA

Incorrect information on your report

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

Information is incorrect
Company Response: Closed with explanation

Timely Response

2018-08-17

Chicago, IL

Incorrect information on your report

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

Public record information inaccurate
Complaint: Consumer disputed Inaccurate information on credit profile with Credit bureaus & they haven't corrected the item in question. On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent certified letters U.S.P.S Postage mail to this Reporting Agency over the course of 6 month. Ive disputed these same items & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US Northern district Courthouse & their response ( which I can provide ) is that they do not report any activity with credit bureaus or third party companies. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Lexis Nexis report and not any other bureaus. I have suppressed my public file with them ( see attachment ) as well as placed a security freeze on my profile as well. Yet they've yet to correct this incorrect information.
Company Response: Closed with explanation

Timely Response