LEXISNEXIS

2018-07-19

Reno, NV

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

2018-07-19

Palos Park, IL

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

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

Investigation took more than 30 days
Complaint: I submitted a public record investigation request to LexisNexis XX/XX/2017. I received a response more than two months 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

2018-07-18

OK

Incorrect information on your report

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

Public record information inaccurate
Complaint: I filled out an application for a contruction loan and a consolidated credit report was pulled from all 3 credit bureaus. I was asked by the bank about a judgement that showed active on the report. I asked him which bureau it was and he said he did not know. I then proceeded to pull all three of my credit reports and it showed no judgements on them. I called the bank back and asked about the report he pulled that showed the judgement. He said that the company was Lexis/Nexis. I never heard of them before. My complaint is that if my credit worthiness and score is being pulled from the combine of the three recognised bureaus, then why is this company ( Lexis/Nexis ) able to interject their own information gathered onto my report. To make things worse, the information was out of date and I had to file yet another dispute with a company that I bet no one has heard of. Sounds as if they are trying to weasle their way into the system as another credit bureau. Please, help clear this up for me. I think that they should not be aloud to add stuff that is not being reported by the 3 original bureaus!! Thank you for your help with this matter.
Company Response: Closed with explanation

Timely Response

2018-07-17

La Vergne, TN

Incorrect information on your report

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

Public record information inaccurate
Complaint: XX/XX/2018 I requested LexisNexis ( LN ) investigate negative information reported by the US Bankruptcy Court in the file maintained by my social security number. I challenged the accuracy, compliance and reportability of this listing. I sent a certified letter to LN. LN received the letter on XX/XX/2018. XX/XX/2018 LN responded to the letter stating to date we have not received a response to the dispute from XXXX, XXXX and XXXX. XX/XX/2018 I requested that LN update the letter stating that the information have been deleted or confirm that it is not in their data bankruptcy. The credit bureaus did not respond. LN did not correct or delete the information. XX/XX/2018 , LN responded with a resolution letter stating that bankruptcy case number XXXX is accurately reporting. LN is reporting a Chapter XXXX beyond 7 years of the filing date. LN is reporting my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and my social security number is XXXX. I am requesting that LN delete all names and addresses associated with the names and social security number.
Company Response: Closed with explanation

Timely Response

2018-07-17

Prior Lake, MN

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

2018-07-16

Bel Alton, MD

Incorrect information on your report

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

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2018-07-15

DC

Incorrect information on your report

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

Information is incorrect
Complaint: On XX/XX/XXXX, my old car stopped working and retired. On XXXX XXXX XXXX XXXX I started to search for a new car, what was my plan since XX/XX/XXXX. I just could not afford it before. I found a car on XXXX Car Buying program, ( My Auto Insurance company is XXXX and they help to clients to buy search for a car from their website to help to connect to XXXX POC in Dealt ship ). Simultaneously I submitted an app. for Auto Loan for Financing with XXXX, but they offered to me 8.09 % on {$30000.00} or {$40000.00}, and it is too high for me, and I declined it. the XXXX also offers to plan expenses for a new car : what Insurance cost will be? gasoline cost? garage? maintenance? titles and registration. It was helpful tool. The XXXX quoted to me online, in this tool application to calculate the expenses which I will face after I purchase a car. I used their app ; .Acc. to XXXX App about costs : they quoted to me Insurance Premiums about $ 400-500 a 6 month Premiums. I run this application several times, and they saved it on my account. It was always no more than {$500.00}. I understand that it is only a quote, but it was give n to me by a very prestigious auto insurance whom I trusted since XX/XX/XXXX. On XX/XX/XXXX, I came to bank to buy my car and draw checks for dealer, and I called to XXXX in order to obtain a Driver Card from XXXX with Invoice with all the costs. I spoke with XXXX of XXXX auto insurance. XXXX quoted me {$560.00} or so for 6 month. On XX/XX/XXXX I was in Dealership in XXXX, VA, and I submitted all XXXX information to my dealer to buy my car,. ON XX/XX/XXXX, I called again to XXXX in order to talk about how to lower my Premiums. It was expensive and I wanted to ask, what can be done in order to lower my Premiums. On XX/XX/XXXX I spoke with XXXX ID # XXXX, she quoted me Policy for {$560.00} we spoke at XXXX. I spoke on XXXX XXXX, with XXXX and I submit attached docs. copies of XXXX statements with notes on the Invoices and names of the Agents, and dates and times. Last time, to my best memory, I spoke on XX/XX/XXXX, ith XXXX, agent. who helped me to reduce a little my Premiums by increasing my Deductible amount to $ XXXX.I did not understand that I can do this, but now I know that many people do it. XXXX also told me that if I complete DC XXXX XXXX Course online for $ XXXX. then this Certificate will be applied to my account and I get Deductions. Because my Drivers Record was impeccable, and I received a very special discount for PREMIER DRIVER DISCOUNT ( about $ 100-XXXX ), he told me, that maybe I don't need to remove points but if I will have this Defensive Driver Course, it will reduce my Premiums. I also was told by the agent -- I don't remember now who told me about XXXX XXXX Course and LEXIS NEXIS, but I was reminded to take the course and to obtain my MVR from LEXIS NEXIS. In XX/XX/XXXX I received another invoice with a quote in amount of about $ XXXX for 6 month from XXXX. I called to XXXX XXXX to get my MVR first on XXXX XX/XX/XXXX. I was given XXXX number. On XXXX XXXX I called again to find out where is my MVR? they lost my MVR and they submitted a new request form me on XXXX XX/XX/XXXX over the phone. ON XX/XX/XXXX I called again to ask : where is my MVR?? which I requested first time on XXXX XX/XX/XXXX? On XX/XX/XXXX, I submitted a complaint about XXXX XXXX, it is on my account. What happened was that, my Auto Insurance co, XXXX, told to me, that they increased my Premiums for my new car, because of the information on LEXIS NEXIS report It took me over then 40 days to obtain My Vehicle Report from LEXIS NEXIS, and there is a complaint letter to you in XX/XX/XXXX, about this matter. I finally received MVR from Lexis Nexis in Middle of XXXX. My plan was : to received MVR from LEXIS NEXIS and to research what is wrong and to complete XXXX XXXX Course for DC online by XXXX XXXX XXXX in order to remove violation from my My Vehicle Report, and to decrease my Premiums. I had a funeral in XX/XX/XXXX, in XXXX XXXX XXXX, and it was family, and I was not able to focus I was away. I did not complete XXXX XXXX course because I was away for funerals and in mourning. Last week, on ca. XX/XX/XXXX, I received an Invoice from XXXX about my Premiums for 6 month from XXXX + 6 month.The final Quote for 6 month was {$100000.00} and not {$530.00} or {$560.00} as I was quoted in XX/XX/XXXX and in XX/XX/XXXX. It was an increase in two times X2. WHAT HAPPENED??? On Wednesday I called to XXXX w/q/ : why XXXX increased my Premiums from ca. $ XXXX-560 to {$1000.00} for 6 month? I was told that there is a conviction on my MVR provided to XXXX by LEXIS NEXIS. ( MVR Report Case # XXXX, Reference # XXXX ) dated XX/XX/XXXX. I double checked this MVR Case # XXXX, dtd XX/XX/XXXX, and there was written that Lexis Nexis was using information from DC DMV ,XXXX XXXX XXXX, XXXX, WashDC XXXX, ( XXXX ) XXXX.ANd on the report there was a violation " XXXX ticket '' with XXXX points. Accident with XXXX ticket occurred on XX/XX/XXXX, violation entered on my MVR on XX/XX/XXXX.But the first time XXXX contacted me about this violation of XX/XX/XXXX ( more than 2 years ago! ) only last week, when I suddenly received {$1000.00} quote from XXXX for 6 month. I panicked and on XX/XX/XXXX, I completed DC XXXX XXXX course, 8 hours, with a purpose to expunge Speeding ticket from the record, and remove this violation, as it is promised on DC DMV and on XXXX XXXX XXXX website. The XXXX knows about this course, and XXXX highly recommends it to her drivers. I completed the course with purpose to remove Violation Code T002 and XXXX points for this T002 violation from my MVR, in hope to reduce premiums. When I submitted my final examen to Defensive Driver course admin, I received a note about that they submitted my successful completion of the course to the DC DMV to remove violation/and points. On XXXX XXXX, at XXXX XXXX I was at the doors of DC DMV on XXXX XXXX XXXX XXXX XXXX, XXXX, DC XXXX, as it is written on MVR from Lexis Nexis ( see above pls LEXSI NEXIS posted it on MVR ). I wanted to show to DC DMV that I completed course, to give them my copy and BAR code of the Diploma and ask for the Drivers Records from DC DMV. The location at XXXX XXXX XXXX was closed with a sign : MOVED to XXXX XXXX. I called to XXXX, spoke with lady operator, she told me that this location was closed for a while already! I think her name was XXXX. It was call to " XXXX '' DC Mayors Line, DMV. ( Lexis Nexis printed out on MVR dated XX/XX/XXXX a wrong address of DC DMV! ). XXXX from XXXX DC DMV Mayors Line, told me where I should go ( service stations ) and I took XXXX to XXXX DC DMV at XXXX XXXX XXXX in XXXX. It was XXXX XXXX, on XX/XX/XXXX, my number was XXXX to my best memory, to obtain Drivers Records. When I met Police Officer of DMV, or clerk who was sitting there, I gave to her my Certificate of Completion of Defen.Driv. Course, and also I showed to her MVR from LEXIS NEXIS, dated XX/XX/XXXX.I asked her, why there are still XXXX points from date XX/XX/XXXX? because IAW DC Traffic Law, points should be removed or archived after 2 years after accident or speeding ticket. I asked her, when will it be removed/. because I completed the course? She said to me ( she asked her supervisor to help to her ) and supervisor told me : Look- there are current points : XXXX. There is no VALID points on your Drivers Report! She said that those XXXX points are in history now, and currently I do not have no points. She asked me : did your XXXX XXXX XXXX contacted you about this violation in XX/XX/XXXX-XX/XX/XXXX? I said : No. It is first time I see this violation on my MVR and my premiums were increased because of this old violation which is now in archive after 2 years. She said that I must call to LEXIS NEXIS and tell to L-N that they must correct their MVR about me. That MVR which they submitted to Auto Insurance about me, is old or they placed those points as Valid -on purpose maybe? She said that you have clean hands record, no points currently. And they should not charge you for archived violations in the past past. ( over 2 years ). I called to LEXIS NEXIS at ca XXXX XXXX on XX/XX/XXXX, spoke with XXXX XXXX XXXX XXXX said that LEXIS NEXIS can not correct the MVR, but I must call to XXXX XXXX XXXX and ask XXXX to " request a FORCED MVR '', or XXXX XXXX XXXX must made this second FORCED REUQEST for my MVR from DC DMV with more updated and accurate information so that when Lexis Nexis will receive a new, updated MVR, there will be no more violation which was removed by XXXX XXXX Course completed and submitted to DC DMV on XX/XX/XXXX. ( attached ). XXXX XXXX ( XXXX XXXX ) Telephone XXXX, instructed me to talk only with UNDERWRITER. She said that only the UNDERWRITER can request FORCED MVR second time from DC DMV. I called immed. .to the XXXX at XXXX. I req. to speak with UNDERWRITER. I spoke with XXXX Employee # XXXX.I asked to speak with Underwriter only. She did not want to connect me to UNDERWRITER. It was a big hassle with her in order to get to speak with UNDERWRITER/ she placed me on hold. Then 10 min later I was connected to speak with XXXX XXXX # XXXX.I explained to XXXX why I must speak with Underwriter. XXXX told me : I am empowered to make changes. I told to her what I told to XXXX XXXX, of Lexis Nexis, that MVR report is incorrect and we need to correct my MVR from LEXIS NEXIS in order to recalculate the Quote for my car 's premiums. XXXX asked me to submit to XXXX documents : DC DMV record, with NO POINTS currently. And Completion of the Defensive Driver course on XX/XX/XXXX in order to remove totally this violation about speeding ticket, dated XX/XX/XXXX ( 2 yrs 4 month ago ). And after that to call to her again. I did as she told me to do. We finished talking at ca. XXXX XXXX. XXXX XXXX ID XXXX gave to me extension # XXXX, or XXXX or XXXX - which later she said was not good extension. After I submitted online my documents from DC DMV to XXXX, I called to XXXX XXXX asked for XXXX XXXX # XXXX.extension XXXX.I spoke with woman, She said that extension is not working. We got disconnected. I called again : I spoke with DC Licensed Agent of XXXX, by name XXXX # XXXX at ca. XXXX XXXX. XXXX # XXXX reviewed my documents,. which I submitted online and he said that they mean nothing and he is not going to change anything. I was very upset and I said that I want to speak with your supervisor XXXX ( XXXX ), she was doing changes on my policy and she asked me to email to XXXX DC DMV record and Defensive Driver course certificate what I did. And XXXX started to harass me that : we at XXXX know that you are a violator, you have convictions on MVR and we judge you. I argued : but IAW DC Traffic law, points are removed after 2 years and they are no longer on the my DC DMV MVR. The points are only current on the MVR report from Lexis Nexis. XXXX said : we at XXXX don't care what you did or do to clear your records. because we know -we saw the record and we judged you. I asked him : why XXXX only discovered about the points only now? in XX/XX/XXXX and not in XX/XX/XXXX? because if I knew that I had a conviction on my MVR, with points, and high premiums, I would NOT BUY my car. I would ride BIKE and XXXX.I told to him, what I wrote in the beginning of my letter, that if XXXX and LEXIS NEXIS could give me a quote for Insurance in XX/XX/XXXX, before I bought my new used car, and I knew that my Premiums will be {$1000.00} for 6 month : I WOULD NOT BUY THE CAR!!!!!! It became ugly because I was trying and tring but nothing was happening, and it is because LEXIS NEXIS did not submit a correct MVR from DC DMV about me to my Auto INSURANCE. The report which they ( LEXIS NEXIS ) submitted about me, was dated XX/XX/XXXX, but it had 1. bad old outdated DC DMV location 's address on XXXX XXXX XXXX ( MOVED long time ago in XXXX XXXX ). 2. LEXIS NEXIS reported points on my MVR as so as they are valid current points and they are not CURRENT NOT CURRENT. So DC DMV told to me in XXXX DC DMV location on XX/XX/XXXX and they told me, DMV, that I must call to LEXIS NEXIS and ask them to update my MVR and submit the correct MVR to my Insurance co. Words of XXXX upset me at ca. XXXX XXXX or XXXX XXXX of XX/XX/XXXX. It led nowhere. I asked him, I think, to connect me to XXXX XXXX, supervisor, but he could not do from his Location. I called to XXXX separately last night 2 times because I was so emotional about calls and DC DMV and going and driving and pursuing and completing and I asked XXXX to request a FORCES MVR from DC DMV for LEXIS NEXIS. I left a message on her voice last night. And I told to her, that I don't want to argue and to explain to all the XXXX insurance company what is happening, over and over again and get emotionally upset after that, and that XXXX XXXX of LEXIS NEXIS told to me to ask Underwriter in XXXX to Request a FORCED MVR about me. And this is ALL I want right now. I don't believe anymore that she really cared about me, when she told me that when you submit DC DMV report and Certificate of XXXX XXXX course to XXXX, that XXXX will add her note to my account, and agent of XXXX will know what to do. I called,. Spoke with XXXX who insulted me and we hung up .After that I cried and cried because I was .. I could not do it no more.English is my primary acquired language, and the topic is very high finances for me, and it is difficult. I submitted a Complaint about Auto Insurance to DC Insurances commissioner yesterday. If XXXX would be careful about me and my account and LEXIS NEXIS would provide to XXXX accurate information, I would know that my premiums are high and I can not buy a new used car because of the violation. Or I need to hire a lawyer to remove it. But I removed it with XXXX XXXX course on XX/XX/XXXX after I found out what it is, and that I have a speeding ticket on my MVR and I must do the course XXXX School, in ordre to remove it. And I did it on XX/XX/XXXX. LEXIS NEXIS provided incorrect information about my MVR to my AUTO Insurance. DC DMV agents told me to contact LEXIS NEXIS to correct my record. I tried to ask XXXX to do request FORCED MVR. But after talking on phone from ca. XXXX XXXX to XXXX XXXX XXXX -- nothing happened, And as a result I filed a complaint about LEXIS NEXIS and XXXX to Commissioner of Insurances in DC.
Company Response: Closed with explanation

Timely Response

2018-07-13

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: To whom it may concern : Upon receiving my consumer report from LexisNexis, I noticed that they are reporting a Bankruptcy under the file they maintain under my social security number. On XX/XX/XXXX I sent a them a letter via certified mail, return receipt requested, in which they received and signed for on XX/XX/XXXX. In this letter I requested validation and verification in accordance with FCRA guidelines. I did not receive their response until XX/XX/XXXX in which they sent me a letter that simply stated it was verified as accurate FCRA requires credit bureaus and consumer reporting agencies to have a response in the consumers hand by the 31st day from receiving the initial dispute. This in itself is a violation of FCRA. I then sent another letter on XX/XX/XXXX in which they received and signed for on XX/XX/XXXX requesting verification 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 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 they verified this bankruptcy as accurate 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. LexisNexis has not responded to my last request. It has now been 46 days and still no response. This is a direct violation of FCRA. I know that there is not a Bankruptcy that they can validate or verify as reporting accurately, and have violated FCRA by not responding and verifying the challenged information within 30 days. therefore they must delete it from my file and stop selling/reporting this information to Credit bureaus and other 3rd party consumer reporting agencies
Company Response: Closed with explanation

Timely Response

2018-07-12

Rochester, 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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by Lexis Nexis. Lexis Nexis had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. As of XX/XX/2018, I have not heard any response from Nexis Lexis. I have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that Lexis Nexis had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the Lexis Nexis had in their file. Still I had not received a response from Lexis Nexis regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from Nexis Lexis stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. He, ( XXXX ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that Lexis Nexis should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from Nexis Lexis and they are the furnisher of the public record 3rd party vendor of the public record and not the court. I am requested that this information be removed from my report for final resolution due to the activities of Nexis Lexis for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.
Company Response: Closed with explanation

Timely Response

2018-07-11

Smyrna, GA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-07-10

Douglasville, GA

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

2018-07-10

Orion Twp, MI

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-07-09

Orion Twp, MI

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

2018-07-09

Council, NC

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 has information in my credit report that is not correct due to their linking another individuals derogatory credit with mine. I have made numerous attempts to get this issue resolved. I am continually told by XXXX that they can not remove the disputed, derogatory items ; even after I have disputed the items several times and have given XXXX the correct information. This was done some years ago and they have once again created the same issue. XXXX has sent the individuals information to my address as I am certain the individual has been sent my information. This has caused a very negative situation for me on my credit record and is indeed creating issues in every aspect. This individual has many, many collections against them. This individual has not been a responsible creditor. I have always handled my credit responsibly. I have also found out that this person is linked to my XXXX XXXX XXXX ; causing false reports about accidents for my vehicle with XXXX. I have requested to speak to supervisors and continue to be told the file is being sent to maintenance to get the issues resolved. I was also promised someone would send me information or a call back. I have yet to hear from anyone, unless I initiate the call. The individual that is linked with my credit lives in XXXX, NC. I live in XXXX, NC. We have some similar information, yet there are many differences that should be distinguishing. On XX/XX/XXXX, I spoke with XXXX XXXX who stated that the file had been sent to maintenance for investigation ; I was instructed to call back XX/XX/XXXX. I called again XX/XX/XXXX, this time speaking to another supervisor, XXXX, who promised to follow the issue until resolved and personally call me back. XXXX said she saw what the problem was and understood my frustrations. I never heard anything more from XXXX. On XX/XX/XXXX, I spoke to XXXX, who stated the file was being sent to maintenance. XX/XX/XXXX, I called each of the disputed creditors and was told by each one that they had nothing on me ; my name nor social security number was not in their database. I was told that this was an error on XXXX part and they would have to correct it. I was also told that XXXX was not going to call the creditors ; they would just send the information that was disputed. XXXX has continually sent the information attached to my name without separating the names causing the disputed bills to remain linked to me. XX/XX/XXXX, I spoke to another supervisor who stated there was nothing that could be done to remove the information until the investigation was complete and the reporting companies okayed the removal of the disputed items. I informed the supervisor that I had spoken to each of the reporting agencies and their responses, yet to no avail. I will send documents that will reference all of the above. Hopefully, the dates and documentation is visible.
Company Response: Closed with explanation

Timely Response

2018-07-05

Manhattan, NY

Incorrect information on your report

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

Public record information inaccurate
Complaint: I 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 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, ( 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 also addressed TWO letters to their CEO, XXXX XXXX which went unanswered, therefore, he is aware of what his company is doing. There have been Class Action Lawsuits regarding this very practice and in all likelihood there will be more.
Company Response: Closed with explanation

Timely Response

2018-07-05

Beaumont, TX

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-07-04

Gretna, LA

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

2018-07-03

Houston, TX

Incorrect information on your report

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

Information is incorrect
Complaint: Lexis Nexis has reported some derogatory added information on XXXX XXXX that has prevented me from opening checking account.
Company Response: Closed with explanation

Timely Response

2018-07-03

Oakbrook Ter, IL

Problem with a company's investigation into an existing issue

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

Their investigation did not fix an error on your report
Complaint: After issuing a subpoena to XXXX for records relating to communications between LexisNexis and XXXX regarding the public records item US BKPT CT IL XXXX XXXX as held by LexisNexis, I received a document that proved, ( contrary to LexisNexis explicit communications to me, no less than four times. ) LexisNexis has continued to report this item willfully, again, after clearly communicating with me that LexisNexis was no longer reporting this item. PLEASE REVIEW ENCLOSURES Additionally, notice the inequitable response to me, XXXX XXXX as opposed my wife, XXXX XXXX. The case number is the same. I would love to know the why? behind this. On XX/XX/XXXX, I will file a lawsuit against LexisNexis for every month since XX/XX/XXXX they willfully reported this public record to XXXX after claiming to remove it from my record. LexisNexis has included in the enclosures, deceptive statements, that if they in fact practice, are in direct violation of FCRA regulations. As FCRA regulations make clear, XXXX can only get this information from a public records vendor. LexisNexis is the vendor of record for XXXX. LexisNexis has the duty to expedite ( 4 days per FCRA ) removal of this record factually from XXXX. In the interest of not wasting court time, LexisNexis may contact me by phone with a settlement offer plus court cost.
Company Response: Closed with explanation

Timely Response

2018-07-03

Aurora, CO

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

2018-07-02

Fountainville, 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: On XX/XX/XXXX and XX/XX/XXXX, per the FCRA Law, I asked LexisNexis for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. LexisNexis didnt respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.
Company Response: Closed with explanation

Timely Response

2018-07-02

Foothill Ranch, CA

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: I have made multiple calls from XX/XX/2018 and submitted documents and each time I've been told by a CSR that the incident is still under review, but that they will escalate this incident to a supervisor. Federal Law requires that you provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided you with additional documents and information shows differently. This information is, once again, included below. Therefore if the reported items are inaccurate, misleading or incomplete ; you may have violated the Federal Law. Also, we requested this investigation on XX/XX/2018 and now it is almost 90days. This also violates the 60 days period to complete the inquiry. I expect you to conclude this investigation immediately. If you have any questions, please let me know.
Company Response: Closed with explanation

Timely Response

2018-07-01

Grosse Ile, MI

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 LexisNexis on several occasions. They are governed by rules of the fcra. Settlement has taken place by them in the past regarding the fcra. I submit the information I provided them on XX/XX/2018 far past the 30 days they legally had to investigate.
Company Response: Closed with explanation

Timely Response

2018-06-29

Aurora, CO

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
Company Response: Closed with explanation

Timely Response

2018-06-26

South Point, OH

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