LEXISNEXIS

2017-09-15

Brookside, NJ

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

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2017-09-13

Grangeville, LA

Incorrect information on your report

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

Information is incorrect
Complaint: My driving record had mistakes on it. Making it difficult for me to obtain auto insurance at a decent rate
Company Response: Closed with explanation

Timely Response

2017-09-13

FL

Improper use of your report

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

Received unsolicited financial product or insurance offers after opting out
Complaint: This reported previously. After inquiring on line from a different company I continued to receive calls from XXXX XXXX and XXXX XXXX XXXX XXXX Co. Even though they were advised I was not interested they went ahead and puled credit anyway. Unauthorized access to my credit file resulted in their rejection of insurance which I DID NOT SEEK AND INFORMED THEM TO CEASE.
Company Response: Closed with explanation

Timely Response

2017-09-12

TN

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: above plus : continued failure to investigate within 30 days- insists that credits give them " updates '' and takes sweet time instead of bureau removing the debt. DEBT NEVER OWED, DENIED IN FULL under FCRA. IMPROPERLY REPORTING-yet shows CRETIFIED ACCURATE. NO PROOF SENT TO ME of contact made to these companies 4 mos now.I demanded proof. I dont need to keep send in my blood type and starship name.YOU HAVE IT ON FILE. I HAVE NOT MOVED RECENTLY. STOP REPORTING THAT I HAVE to block access. refuses to remove these accounts. keeps " updating them '' instead. If the company XXXX me for over 12 mos now and STILL HAS THE ACCOUNT for some XXXX up reason ... I DONT OWE IT. YOU CANT EXTORT ME.
Company Response: Closed with explanation

Timely Response

2017-09-12

MA

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: XXXX XXXX # : XXXX I am an ongoing victim of identity theft and the XXXX Equifax cyber security breach. I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX. This letter indicated that I requested service at XXXX, was subject to a credit check and was furnished with a result indicating the need for a deposit to further guarantee service. I have no accounts registered in my name with XXXX and I have not requested new service with XXXX at point in recent time. This report was generated from : LexisNexis, XXXX XXXX XXXX ATTN LexisNexis XXXX XXXX XXXX, GA, XXXX ( XXXX ) The actual date of the consumer report was XXXX/XXXX/XXXX. The score was impacted by " incomplete information on file and identity elements not fully verified at the time the report was requested ''. This was an unauthorized request, and since verification information was missing, this was an incomplete request using stolen information from my identity.
Company Response: Closed with explanation

Timely Response

2017-09-12

Beyersville, TX

Incorrect information on your report

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

Public record information inaccurate
Complaint: Contacted XXXX XXXX XX/XX/XXXX about misinformed information in my file. Sent in my bankruptcy schedules and discharge paperwork. Contacted again onXX/XX/XXXX- spoke to XXXX at XXXX XXXX. They said it was fixed and the company needed to repull report. Company repulled my report- the issue wasnt resolved. Contacted againXX/XX/XXXX- they said that they needed a release date. Resent the information again asked for a supervisor- none available. Contcated again XX/XX/XXXX- confirmed receipt of info. Contcated again XX/XX/XXXX- they confirmed that the file had been updated. Advised to pull a new report. New report was not updated. Asked for a supervisor- none available. Left message. Contcated again on XX/XX/XXXX- again they confirmed the issue was resolved yet the file still shows the same info. Again asked for a supervisor- none available. Left message. XX/XX/XXXX- Mortgage company cancelled my closing date due to information being reported improperly and inability to resolve. XX/XX/XXXX- Called the NY office- lady gave me the name of a supervisor at XXXX Contacted XXXX ( Supervisor ) no return call. XX/XX/XXXX- reached someone in XXXX- he said he needed to send my inof to a rep in US. He didnt have a supervisor on site.
Company Response: Closed with explanation

Timely Response

2017-09-12

Chicago, 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

Investigation took more than 30 days
Complaint: LexisNexis refuses to send me copies of my full consumer disclosure. They are repeatedly sending inaccurate information to the credit bureaus but upon my request for the file, LexisNexis has three times refused to send me a copy.
Company Response: Closed with explanation

Timely Response

2017-09-12

Coolidge, AZ

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

2017-09-10

Fremont, CA

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

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

Problem with personal statement of dispute
Complaint: I have sent numerous dispute letters to XXXX about a furnisher /public record named XXXX XXXX XXXX XXXX XXXX XXXX they are reporting on my credit report. XXXX claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX XXXX XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor Lexis Nexis ( who by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with Lexis Nexis has been locked from access how is XXXX able to verify this? I 'm very dumbfounded. If XXXX is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? Nonetheless, I made my own request directly to XXXX XXXX XXXX XXXX XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is XXXX and Lexis Nexis able to verify so quickly with the court and mark it as " verified '' and close my dispute? With XXXX XXXX response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to XXXX and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from Lexis Nexis or the furnisher. Again, each dispute I 've sent to XXXX answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have XXXX correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with Lexis Nexis and/or the XXXX XXXX XXXX XXXX XXXX XXXX. I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.
Company Response: Closed with explanation

Timely Response

2017-09-09

Wahiawa, HI

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

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2017-09-07

Staten Island, NY

Problem with a company's investigation into an existing issue

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: 15th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Company Response: Closed with explanation

Timely Response

2017-09-07

Crotonville, NY

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

2017-09-07

MO

Incorrect information on your report

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

Public record information inaccurate
Complaint: I have recently looked over my credit file and noticed theres negative information reported by XXXX XXXX XXXX XXXX XXXX file # XXXX, XXXX, XXXX. This is kept under my Social Security Number in error. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with the courts and provide me with copies of any documentation associated with my signature In the absence of any such documentation associated with this account, bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the FCRA Section 611ca ) ( 1 ) ( A ) and I am keeping careful record of your actions, including your METHOD OF VERFICATION. I do not consent to XXXX or any means of automated verification. Failure to respond within 30 days of receipt of this certified mail may result in a small claims action against you in a venue close to my location, and you will be cited to represent yourself there {$1000.00} per violation will be asked for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of FCRA This is my second letter asking how you verify. I have enclosed a letter from my Bankruptcy court saying they dont verify by phone or mail they only method of verifying is if you come in person to the court building. Please let me know the person name and phone who goes inside the court house to verify this information so I can personally contact them myself. Thank you XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-09-06

Los Angeles, 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

2017-09-06

TN

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
Complaint: lexis sent me a " we removed some things but were not going to tell you what or send you a new report letter because we dont trust you '' letter. This is illegal. If changes were or were not made to a consumer credit file, the consumer MUST be sent a corrected copy, not have to begging for it. Furthermore I dont think ALL of the requested items were purged.I provided plenty of information from the data furnishers themselves. " public records '' was never officially defined for me. WHO? people have names. PIs have licenses. courthouses have county names. sherriffs are not allowed to slander people. companies are not allowed to extort people. This needs to be corrected on all legitimate and nonlegitimate CRAs reporting or reselling ANY information whatsoever. company REMAINS IN NONCOMPLIANCE with FCRA.
Company Response: Closed with explanation

Timely Response

2017-09-04

Carmel, CA

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: I received an auto Insurance policy quote for two vehicles via internet. It sounded reasonable so I signed up and paid the installment fee. when I was ready to print out the proof of insurance cards there was only one vehicle on the policy. I was told if I wanted to add the other one it would be an additional amount. So I paid it. Then a month into the policy I received notice that I was not entitled to the original quoted policy due to a decision made by the Underwriters. I ask for the contact info of said underwriters and requested a copy of the reason behind their determining decision. I received a 22 page report that contained nothing but my previous addresses and what type of mailboxes I 've had at those addresses. Another section of the report explained how to read the report and the results of my traffic violation search. Results : No Records Found Another section Stated my current address as reported by a company called " XXXX XXXX XXXX '' Okay, that info was correct. XXXX XXXX XXXX. reported that I had registered to vote under my maiden name. Well, I was married at the age of XXXX and never used my maiden name after that. They failed to give a year for this information. Another section assessed the value of my home and stated that it had a high risk address description dated 5 years ago. I also lived at another high risk address in 2006. ( over 10 years ago ) Criminal Records : No records found Education Records : I 'm listed as a student. It does not say where. I 'm XXXX years old and not a student. Lawsuits, Civil Filings Judgements and liens : No Records Found Oh yes, XXXX XXXX XXXX XXXX lists my e-mail address No phone records No Professional Licenses No personal purchase Activity Records No Short Term Credit Offer Request Records It goes on and on with XXXX XXXX Inquiry Records, Consumer Reported Statement, Consumer Reported Alerts, and Consumer Reported Disputes ... .all : No Records Found I paying higher than normal rates for Auto Insurance based on all this nonsense and I do n't know how to fix it. I am on XXXX, I drive less than 10,000 miles a year
Company Response: Closed with explanation

Timely Response

2017-09-04

Mount Morris, MI

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

2017-09-03

Tampa, FL

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: lexis nexus is report an address and five claims that dont belong to me i never lived in ohio or had an ohio address these claims are not mind they said to contact the insurers and i did and they told me to contact lexus nexus i have a fl license never had an ohio one
Company Response: Closed with explanation

Timely Response

2017-09-02

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

Investigation took more than 30 days
Complaint: On XX/XX/XXXX I placed an order for a consumer report with XXXX XXXX. During which time I received the report approximately a week and a 1/2 later. Upon reviewing the report, majority of the information, had discrepancies, so I carefully went through and marked off all of the inaccurate information. I then contacted XXXX XXXX a few months later in XX/XX/XXXX and requested that day do an investigation and remove the inaccurate information. I ask how long it should take in the representative explain to me approximately 30 days, during this call I also literally went from page to page ( 25 ) expressing to the representative each thing that was incorrect, This Was time consuming. 90 days had went pass and I had never received a response from XXXX XXXX, so I decided to call again. When I called the 2nd representative, initially said that there was no information in the system about me requesting inaccurate items to be removed. She then had to go into a different system and found my initial requests, that initial request still did not display all the items I requested to be removed meaning the initial rep missed some things. The new representative apologized and explained to me that the initial request was never submitted, she verified all the things that was in the system, and she then resubmitted it. This was back in XXXX around the XXXX. It has now been over an additional 30 days and the second rep assured me it will be expedited because the initial representative did not submit the request the 1st time. To date i still have not received a response and i feel if i call again it would just be the run around. This information is financially harming me by showing inaccurate info on the major credit bureaus, as this is the source they use to verify info on my credit file. As A result it 's not allowing me to get the best rates on credit card and loans.
Company Response: Closed with explanation

Timely Response

2017-09-01

Oxford, GA

Problem with fraud alerts or security freezes

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

Complaint: XXXX XXXX I requested a security freeze and suppression regarding my personal information with Lexis Nexis. I received a letter that both request were placed onto my account, but still Lexis Nexis still continue to release my information.
Company Response: Closed with explanation

Timely Response

2017-08-31

Inkster, MI

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
Company Response: Closed with explanation

Timely Response

2017-08-30

TN

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

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

Investigation took more than 30 days
Complaint: XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( XX/XX/XXXX ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me. I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.
Company Response: Closed with explanation

Timely Response

2017-08-30

Ocala, FL

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

2017-08-30

College Dale, TN

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

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

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

Timely Response

2017-08-30

Maumelle, AR

Incorrect information on your report

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

Public record information inaccurate
Company Response: Closed with explanation

Timely Response