LEXISNEXIS

2018-03-22

Potomac Falls, VA

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

2018-03-22

Cleveland, 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

2018-03-22

Aliso Viejo, 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

2018-03-21

Cadwell, 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: On XX/XX/2018, I received the response from LexisNexis in regards to my complaint that was filed with the CFPB on XX/XX/2018. My complaint was how XX/XX/XXXX verified information that appeared on my credit report through LexisNexis. The information was of a Bankruptcy with docket number XXXX. In their response, LexisNexis stated that they verified all of the information about this case docket via a third party database known asXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was done in violation of the Fair Credit Reporting Act. The Fair Credit Reporting Act clearly states that any information contained in a credit file, to include XXXX XXXX, must be verified through the original furnisher. The XX/XX/XXXX system, while maintained by the Federal Government, is still classified as a third party furnisher under the Fair Credit Reporting Act. This was affirmed by XXXX XXXX XXXX XXXX XXXX BANK, NA. The original furnisher would and must be the Court where the legal action was filed. In their response, LexisNexis also stated they matched the last four digits of my social security number and my year of birth from information provided to them byXX/XX/XXXXhis is insufficient given that all information contained in a credit report is to be one hundred percent accurate and one hundred percent verifiable. Based upon the response from LexisNexis, the information was not verified to be one hundred percent accurate, it was merely based upon a preponderance of the evidence. This does not meet the burden of one hundred percent accuracy. LexisNexis has also shown in the past they believe they are not considered a Credit Reporting Agency but according to the Fair Credit Reporting Act definitions they clearly are. They broker information that is used to determine creditworthiness for profit. Therefore LexisNexis must comply with laws as set forth under the Fair Credit Reporting Act. I am attaching a copy of the response from LexisNexis and a response received from the Clerk of Court.
Company Response: Closed with explanation

Timely Response

2018-03-20

Denver, 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

2018-03-20

Union City, GA

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

2018-03-19

Columbia Heights, 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

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

Timely Response

2018-03-19

Hinsdale, IL

False statements or representation

Debt collection: I do not know

Told you not to respond to a lawsuit they filed against you
Complaint: Lexis nexis is reporting the folling cases XXXX under a XXXX XXXX case XXXX under a XXXX XXXX and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX I have had only 2 names my whole life. I spoke to XXXX at lexis nexis his # is XXXX ext XXXX he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..
Company Response: Closed with explanation

Timely Response

2018-03-17

Charlotte, NC

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
Company Response: Closed with explanation

Timely Response

2018-03-17

Itasca, IL

Incorrect information on your report

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

Public record information inaccurate
Complaint: I have repeatedly asked lexisnexis not only to verify the accuracy of the bankruptcy on my file but as is my right I requested the method of verification ie how the accuracy of this item was sourced ... To this they have not provided this information. 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. Please provide the information we requested ...
Company Response: Closed with explanation

Timely Response

2018-03-17

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

2018-03-17

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

2018-03-17

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

2018-03-17

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

2018-03-16

Naugatuck, CT

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

2018-03-16

Sherman Oaks, 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

2018-03-16

Fort Stockton, TX

Unable to get your credit report or credit score

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

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

Timely Response

2018-03-16

Eller, NC

Unable to get your credit report or credit score

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

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

Timely Response

2018-03-16

Baileys Crossroads, VA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: I obtained a copy of my XXXX Report. As XXXX is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by Lexis Nexis on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. LexisNexis XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-16

Cucamonga, CA

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

2018-03-15

Garrison, 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
Company Response: Closed with explanation

Timely Response

2018-03-14

Hoard, TX

Problem with a company's investigation into an existing issue

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

Problem with personal statement of dispute
Complaint: What Compliant? XX/XX/2018 - XX/XX/2018 Statement Submission Form ( s ) * What type of Problem? Refusal from the XXXX XXXX XXXX XXXX Mailing ' to enter-In ' Statements of Residency, And Correct Residency Dates. What Happened? ( 45 ) Day Stalling tactics to enter-In ' the Statement Submission Forms. What Company? LexisNexis ( R ) Who is Involved? LexisNexis ( R ) potentially ; XXXX and Subsidery Companies, Work Number, Credit Bureaus and Allegencies and Alliants, Credit Reporting Agencies, Courts, Banks, Law Enforcement.
Company Response: Closed with explanation

Timely Response

2018-03-14

Bremen, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS VANDALIZE IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.
Company Response: Closed with explanation

Timely Response

2018-03-14

Buffalo, NY

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

2018-03-13

Burke City, MO

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