LEXISNEXIS

2017-08-17

Chicago, 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

Their investigation did not fix an error on your report
Complaint: I disputed two California tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.
Company Response: Closed with explanation

Timely Response

2017-08-16

N San Juan, CA

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 this may concern, I am writing this letter because Lexis Nexus has false information on my credit report that appears to be obtained from highly inaccurate " scraping '' or " information sharing ''. The use of this completely unverified information ( sometimes from companies that are no longer operational or have been the subject of privacy violations, settlements, and lawsuits ) has put me at a significant disadvantage and caused me harm not only to my credit and report reputation but also in my ability to gain employment or open financial accounts. The Lexis Nexus Case Number is : XXXX and the false information that I am requesting be removed includes : 1. ) Phone Records : ( XXXX ) XXXX This is not my phone number and has never been my phone number. However, this phone number was formerly used by an individual within the friends/family on a friends/family shared phone plan. However, at no point in time did I ever use the phone number ( XXXX ) XXXX and respectfully request that this record be immediately put into dispute and remove from my credit report. Furthermore, please have XXXX XXXX XXXX provide me with an explanation of why this false information was submitted to my consumer report. 2. ) Email Records : XXXXXXXXXXXX This is not my email and has never been my email. In fact, the domain and email service XXXX has been defunct for numerous years. Thus, this information should be immediately removed. Once again, please ask the furnisher of this information to explain why this record was submitted to my consumer report. 3. ) Email Records : XXXXXXXXXXXX ( ALL INSTANCES FROM MULTIPLE SOURCES ) This is not my email. In fact, this email address no longer exists and searching online shows that it was publicly used by multiple people. Please remove this information and confirm with XXXX, XXXX why they put this information on my consumer report. 4. ) Email Records : XXXX ( Second Instance ) This is not my email and has never been my email. In fact, the domain and email service XXXX has been defunct for numerous years. Thus, this information should be immediately removed. Once again, please ask the furnisher of this information to explain why this record was submitted to my consumer report. 5. ) Email Records : XXXX ( Third Instance ) This is not my email and has never been my email. In fact, the domain and email service XXXX has been defunct for numerous years. Thus, this information should be immediately removed. Once again, please ask the furnisher of this information to explain why this record was submitted to my consumer report. 6. ) Email Records : XXXX ( All Instances ) This record was never authorized to be shared and is no longer a valid email address after being hacked. Please remove this record immediately. 7. ) Business Association Records : XXXX XXXX XXXX is no longer associated with me and should be removed. The address is not valid either. 8. ) Address Records : XXXX XXXX XXXX Please have this removed. This is a box used by a family member not me. 9. ) Address Records : XXXX XXXX XXXX XXXX XXXX Please have this removed, I have never lived at this address. A family member lived at a nearby address but not me. 10. ) Address Records : XXXX XXXX XXXX Please have this removed, I have never used this address. A family member used this address but not me. 11. ) The only valid address should be XXXX XXXX XXXX, XXXX XXXX, California, XXXX. PLEASE ALSO REMOVE XXXX XXXX XXXX, XXXX, CT. I have never lived here nor is this a valid address. Furthermore, please DO NOT disclose my full social security number on any documents or request. Also please opt me out of all marketing or sharing of information and place a freeze on my file.
Company Response: Closed with explanation

Timely Response

2017-08-16

Celebration, FL

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-08-15

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: problem : all of the above. failure to remove XXXX ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX XXXX courthouse about illegal eviction when XXXX remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.
Company Response: Closed with explanation

Timely Response

2017-08-15

Portland, OR

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: In XX/XX/XXXX, I applied for a loan through my credit union. They ran a credit report through XXXX and told me they could n't continue with the loan process until I dealt with a delinquent Judgment in the amount of {$3300.00} that came up in my name from XX/XX/XXXX. As I 've never been to court, I found this to be odd. I contacted the small claims office at the XXXX County Court and asked about the Judgment. They said there was a Judgment against someone who shares my first and last name, but informed me that it had been paid in XX/XX/XXXX and provided me a record. I asked if they could verify that the Judgment was mine with a social security number or any other personal identification information. The clerk told me no - they did n't have that information, but I should contact the debt collecting agency assigned to the case number and they could verify if it was mine. I called the agency ( XXXX XXXX XXXX XXXX ) and provided them my name, city of residence, and social security number. They informed me that there was a file that shares my first and last name in XXXX, Oregon, but that the social security number did n't match - meaning it was n't mine. Knowing all this information, I began to inform my credit union and the credit bureau. I explained the situation and was able to clear it with my credit union. XXXX provided a printout to me stating they " obtain public records from local, state and federal courts through a third party vendor, LexisNexis '' and provided XXXX phone number to contact. I filed a dispute at XX/XX/XXXX through the XXXX website and again with the call center and provided them with the public record showing that the Judgment had been paid and attempted to speak with someone at LexisNexis through the number provided. They told me that the dispute process could take up to 30 days and to expect the results of the investigation by mail. I waited and received the results at XX/XX/XXXX. The packet sent, which was a credit report summary, contained 13 different errors - one of which was that the Judgment remained in my file ( now paid, but still there ). The cover letter said, " We have verified that our Judgment and Liens records are accurate based upon your dispute related to Filing Number XXXX, after contacting the XXXX Circuit Court-XXXX. '' Except that their records were not accurate, as the Judgment was n't delinquent and had been paid, yet there was no mention of any update on this. I know the court does n't have any information that would verify the Judgment is mine ( as I mentioned earlier ) and could not have verified this. The cover letter also provided an email address and phone number to call with any further questions. I called the call center on XX/XX/XXXX and filed a second dispute to include corrections on the other 12 errors, but was told I would have to wait for the dispute process to conclude ( possibly taking another 30 days ). I said that was unacceptable, as the initial dispute was not satisfied. Why should I need to dispute a dispute and why should I trust that the results would be any different - they 've already made this mistake TWICE and when I inquired why they were n't using any personal information to verify the Judgment, they call center had no answers. I asked to speak to a manager. I have spoken to XXXX within the last week ( XX/XX/XXXX - XX/XX/XXXX ). Each tell me there is no one they can communicate with outside of filing a dispute and they ca n't connect me to anyone involved in the investigative/dispute process despite the fact that their process is n't appropriately verifying the Judgment using any personal identifying information. I informed each of the managers that contacting the court is not an appropriate way to verify that the judgment is mine and to stop. I provided them with 2 different debt collecting agencies, who are each, after providing a social security number, able to verify that the Judgment is n't mine. The debt collecting agency name and contact are attached and easily viewable in the information corresponding to the judgment both on the court documents and summary provided by LexisNexis. The managers were unwilling to make the call themselves and could only add the instructions to my dispute case. I have sent 6 different emails to the only email provided explaining that the court does n't have the ability to verify the Judgment is mine and include instructions on how to appropriately verify the Judgment - none have been responded to. Neither manager was able to connect me to anyone in the email department. It has now been over 40 days since my initial dispute and I have had to spend numerous hours making numerous phone calls investigating this on my own and have had to instruct the credit bureau, LexisNexis, on how to correctly verify the Judgment only to be told there 's nothing they can do but let a reinvestigation of an investigation conclude. The only 2 numbers and email contact provided can not answer any of my questions or provide any meaningful assistance and can not provide any other means of contact. This is unacceptable. In the meantime I 've filed a complaint with the Better Business Bureau, filed a complaint with XXXX, who inform me that they have no record of a Judgment in my name and are unable to explain why LexisNexis does. Managers for LexisNexis have since stopped returning my calls.
Company Response: Closed with explanation

Timely Response

2017-08-15

Harsens Is, MI

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

2017-08-15

Maclean, VA

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

2017-08-14

ND

Incorrect information on your report

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

Public record information inaccurate
Complaint: My report from LexisNexis still includes an Eviction case from XXXX Count District Court in MN which incorrectly included me as a party ( File # XXXX ). I 've attached the document which confirms that I was stricken as a party. I had been removed from the lease before any action had been taken against my former roommate XXXX XXXX. I found this on my credit reports earlier this year and though it took several weeks, I was able to get it all sorted out and removed. Unfortunately, it looks like it 's still appearing elsewhere ( LexisNexis ).
Company Response: Closed with explanation

Timely Response

2017-08-14

FL

Improper use of your report

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

Report provided to employer without your written authorization
Complaint: I 'm very disturbed to receive a decline letter from your agent providing me insurance I did not ask for. In fact the agent was advised why I do not do business with you but they evidently went ahead and pulled credit anyway even while freeze on my credit report. At no time was permission given to pull my credit. In fact the credit reports are supposed to be secured from this type of activity because numerous errors are being corrected. You further complicate my credit worthiness with this inquiry.
Company Response: Closed with explanation

Timely Response

2017-08-14

Scottsdale, AZ

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 Consumer on several occasions in reference to incorrect information on my XXXX XXXX XXXX XXXX ( XXXX ) report. My last contact was on XX/XX/XXXX because of an underwriting decision that increased my car insurance rates based on two incidents on XX/XX/XXXX and XX/XX/XXXX. I was sent a letter dated the same date as my discussion from LexisNexis showing that those two incidents on XX/XX/XXXX and XX/XX/XXXX were listed as not at fault. On XX/XX/XXXX ; I was sent a letter from XXXX XXXX XXXX Underwriting stating that they were cancelling my insurance effective XX/XX/XXXX due to three collisions on dated XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX which were listed as at fault despite being reported and confirmed by XXXX XXXX and XXXX XXXX as being not at fault. This incorrect information has caused severe harm to my insurance rating and ability to secure reasonable priced insurance.
Company Response: Closed with explanation

Timely Response

2017-08-13

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
Complaint: several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with lexis nexis and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
Company Response: Closed with explanation

Timely Response

2017-08-13

Homecroft, IN

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

2017-08-13

Homecroft, IN

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

2017-08-07

Cedar Grove, 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

2017-08-07

Alta Hill, CA

Unable to get your credit report or credit score

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

Problem getting your free annual credit report
Company Response: Closed with explanation

Timely Response

2017-08-06

Alpharetta, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: On multiple attempts dating back to XXXX of 2017 I have disputed multiple unverified accounts or personal identifying information with LexisNexis as follow : Identification Record XXXX XXXX Unverified Name Identification Record XXXX XXXX XXXX XXXX Unverified Address Identification Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Address Identification Record XXXX XXXX XXXX y Unverified Name Identification Record XXXX XXXX XXXX XXXX , GA Unverified Address Identification Record XXXX XXXX XXXX XXXX , GA Unverified Address Identification Record XXXX XXXX XXXX XXXX , GA Unverified Address Identification Record XXXX XXXX XXXX XXXX , GA Unverified Address Identification Record XXXX XXXX XXXX XXXX y XXXX Unverified Address Identification Record XXXX XXXX XXXX XXXX XXXX Unverified Address Identification Record XXXX XXXX XXXX XXXX XXXX XXXX Unverified Address Assessor Records XXXX XXXX XXXX XXXX XXXX Unverified Records Bankruptcy Records Case # XXXX Unverified Records Judgements/Suits File # XXXX XXXX Court Unverified Records Online Marketing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Records Online Marketing XXXX XXXX XXXX . XXXX XXXX XXXX Unverified Records Phone Records XXXX , GA XXXX Unverified Records Each time these items were disputed with LexisNexis the agency responds with information verified. On or around XXXX I called LexisNexis and spoke with a rep requesting why I had not received documentation as to how they verify the items. The rep basically advised that they pull the information from the credit bureaus and courts to obtain public records information ( per my request I asked that it be. provided in writing ). At that time, I advised the rep that I had contacted the GA Federal Bankruptcy court in XXXX to verify the information in their file. I was told by the court clerk that the information pertaining to my name/social was incomplete and that some of the information did not match. Furthermore, she advised that they do not report any Bankruptcy/court records/information to any of the credit bureaus including LexisNexis and they do not verify any information that supports the credit bureau or LexisNexis claims. I also advised the rep that I had contacted XXXX Magistrate Court that advised me of the exact information and also communicated that they had no records of a judgement attached my name or social. However, asked had I ever gone by another last name ( XXXX ) in the past which I answered with " NO ''. Lastly, I reached out to XXXX XXXX XXXX who is reported on my report as showing I resided in her property at : XXXX XXXX XXXX XXXX , GA XXXX . XXXX XXXX advised that only her family has resided in the home and that its not now or never been a rental property. After advising the LexisNexis rep about all this information, she stated that I could dispute again and that they obtain the information they report from outside source. My question at that time was " How can you report something that you have not verified to be accurate or fraudulent/erroneous information reported by third party companies? '' Again, I was only told to try and dispute again. Also, the information that they have in my file that is shown to be reported from XXXX , XXXX and XXXX are all incorrect and not now or in the pass have ever been reported on my credit bureaus. Even after advising I was a victim of identity theft, the representative advise the information could possibly still report although it 's inaccurate.
Company Response: Closed with explanation

Timely Response

2017-08-05

Henderson, NV

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

2017-08-04

Staten Island, NY

Incorrect information on your report

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

Information is incorrect
Complaint: Please see company 's response before I refute said false claims : XXXX XXXX XXXX indicated that the address associated with the claim 10 Page 2 XXXX XXXX XXXX, XXXX XXXX, NY was incorrect, and updated the address associated with the claim to : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX XXXX XXXX also verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. We have updated XXXX XXXX XXXX . Auto report to reflect the corrected address provided by XXXX XXXX XXXX, and mailed a copy of the updated XXXX . Auto report to XXXX XXXX for his review. The address associated with the XXXX . Auto claim in question XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has been reported to LexisNexis by a variety of sources, including the nationwide consumer reporting companies, with XXXX XXXX name, date of birth, and social security number. The address was also included with XXXX XXXX social security number, as provided to our office via our online consumer disclosure portal when requesting copies of his consumer reports, and on the full bankruptcy docket for a bankruptcy XXXX XXXX filed in 2012 while residing in New Jersey. If XXXX XXXX believes the social security number we have on file for XXXX XXXX is incorrect, we encourage him to contact us directly so that we may verify his correct social security number.
Company Response: Closed with explanation

Timely Response

2017-08-04

Cincinnati, OH

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

2017-08-03

Staten Island, NY

Incorrect information on your report

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

Information is incorrect
Complaint: During my investigation LexisNexis states and reported that I lived at XXXX XXXX XXXX XXXX XXXX NY or is accurately associated with myself at time of claim in question dated X/XX/13 . What I have found is there is no such address on XXXX XXXX NY. The road does n't even exist.or address. This is completely false and inaccurate information. If said address even exist or road please provide said proof that XXXX XXXX XXXX XXXX XXXX NY. is factually as they claim. Given this false statement as they provided on four occasions as verified proof. They must remove the entire incident that occurred on X/XX/13 as it is flawed with false statements also inaccuracies.
Company Response: Closed with explanation

Timely Response

2017-08-03

Saint Clair, MO

Incorrect information on your report

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

Public record information inaccurate
Complaint: Company LexisNexis has multiple inaccurate criminal and motor vehicle background reporting for my records in the state of Connecticut. I have contacted them via phone and email communication starting X/XX/2017. During my contact I established ticket ID # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. I have received no response from the company after multiple contact attempt, last of which is on XX/XX/XXXX. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.
Company Response: Closed with explanation

Timely Response

2017-08-03

Peru, IN

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2017-08-02

CA

Incorrect information on your report

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

Personal information incorrect
Complaint: A couple years ago I applied for a credit card and got denied. After investigating, the company approved the card because the only thing that was preventing it was the verification of my identity that the company Lexis Nexis is provided could not verify it. I called and received a full public record file, which has hundreds of mistakes and requested to fix them. Today I applied to a lease company and the same denial happened and once again Lexis Nexis caused that because my identity is not unverifiable. I was told to get a full public record file again. It is unacceptable that companies that are supposed to verify identities have mistaken and that it will cost me money and time to fix it. Private for profit companies should not be able to profit from people 's information.
Company Response: Closed with explanation

Timely Response

2017-08-01

Seattle, WA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-08-01

Alta Hill, CA

Unable to get your credit report or credit score

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

Problem getting your free annual credit report
Company Response: Closed with explanation

Timely Response