LEXISNEXIS

2017-08-01

Five Points, NC

Incorrect information on your report

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

Public record information inaccurate
Complaint: I recently requested a investigation on XX/XX/XXXX and Lexis Nexis received on XX/XX/XXXX via certified mail.I am filing this complaint because LexisNexis has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that LexisNexis continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with LexisNexis and the results was the information was accurate. I directly called the Lexis Nexis telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from Lexis Nexis showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via LexisNexis. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the LexisNexis agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and LexisNexis has yet to verify. Thank you
Company Response: Closed with explanation

Timely Response

2017-08-01

Shulerville, SC

Incorrect information on your report

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

Information belongs to someone else
Complaint: This is in reference to CFPB case XXXX. I filed a complaint a month ago in Reference to a State Tax Lien that does not belong to me. XXXX sent a letter in the mail about a previous dispute and named Lexis Nexis as the reporter of the incorrect information. In the previous complaint , LN stated they were suppressing the invalid lien from my report. After this complaint was supposedly resolved, I again disputed the lien with XXXX and once again it was verified by Lexis Nexis, This my last attempt to get this deleted from my report before buying a house before I file with the BBB, Attorney General office in both states, as well as file suit with my attorney here in XXXX, SC
Company Response: Closed with explanation

Timely Response

2017-07-30

El Sobrante, CA

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

2017-07-28

Murray, UT

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

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

Their investigation did not fix an error on your report
Complaint: I have requested LexisNexis in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days LexisNexis responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, LexisNexis has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that LexisNexis uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more LexisNexis was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Company Response: Closed with explanation

Timely Response

2017-07-26

Midland, MI

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: I have been advised that adverse information is contained in my LexisNexis report. I have submitted information to them multiple times to get a copy of my report and despite being advised it was being sent, I have not received it. I need to purchase a home and this is causing a hold up.
Company Response: Closed with explanation

Timely Response

2017-07-26

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

2017-07-25

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
Complaint: I was denied insurance coverage based on information provided by XXXX XXXX. I was informed that I was entitled to receive a free copy of a consumer report from XXXX if I requested the report within 60 days of receipt of the credit denial. I requested a copy in writing on XXXX XXXX, 2017, 10 days after I received the denial letter ; from the agency listed on the denial letter, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. This request went unanswered.
Company Response: Closed with explanation

Timely Response

2017-07-24

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 filed chapter XXXX , in XX/XX/XXXX , w as having my payments auto deducted from my payroll due to lawyer mishap my case was dismissed and refiled i n XX/XX/XXXX an d once again due to lawyer issues my case was refiled in XX/XX/XXXX . I have asked the 3rd party carrier to v erify info and update due to I should not sho w 4 bk 's. I sh ould show accurately of 2 BK 's the case for XX/XX/XXXX and XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2017-07-24

S Salt Lake, UT

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

2017-07-23

Santa Ysabel, 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

Their investigation did not fix an error on your report
Complaint: There are 3 tax liens showing on my XXXX Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via XXXX website on XX/XX/XXXX and XXXX sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.
Company Response: Closed with explanation

Timely Response

2017-07-22

Houston, 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

Their investigation did not fix an error on your report
Complaint: This complaint involves Lexis/Nexis AKA `XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These people were contacted on XX/XX/XXXX spoke with XXXX in the Consumer Center. XXXX stated he took my complaint, but never gave me a Complaint Number where I could check on the status of my complaint. I have reason to believe this agency has been working with the Insurance Companies in reporting bogus information on Consumers Driving Records without asking for supporting documents to verify the consumer actually was involved as reported by the Insurance Company, For instance, I have under my Motor Vehicle Report that I was involved in an accident on XX/XX/XXXX. This reporting has placed a negative affect regarding me purchasing Insurance for my XXXX XXXX XXXX XXXX has place an accident under my Driver 's License that the Texas Department of Public has been unable to locate. I ordered my MVR ans I have XXXX points and accidents has been cleared for twenty years now. Where is Lexis/ Nexis getting their information to report this Fraudulent information about me? I have gone back and froward with XXXX trying to get them to remove this bogus information, but has not been successful. I have questioned several other Insurance Companies regrading this behavior with XXXX and all has stated the same answer. Why would and Insurance Company report an accident that a person was not involved in? It not like the reporting Insurance Company will be collecting the amount of the higher premium, so what would be the main reporting purpose? This has been very Illuminating, causing me to not have insurance for one to two months at a time. The premium is quoted at a ridiculous price and my Driving Record is clear. All the Insurance Companies sees is what Lexis/Nexis has listed. There is also a report on my driving record from XXXX XXXX XXXX XXXX Why? There was no claim paid and the status has expired. This happen in XX/XX/XXXX, No police report was made, but a Fire Report was made. This was ruled as a non collision accident, but XXXX XXXX did not want to pay the claim. I need to look further into this due to this is still alive on my record and causing some problems then it can been further looked into as a legal matter. I had full overage on the vehicle and they refused to settle the claim. The last report is the Flood in XXXX in XX/XX/XXXX & XX/XX/XXXX. This is why I paid for Comprehensive Coverage due to any damages resulting as an act of XXXX. I was not at fault for that so why is that showing. I do not need to give any Policy number nor XXXX File # due to the report I have came from the XXXX database pulled on XX/XX/XXXX. This information is very current. I applied for Insurance with XXXX, XXXX, XXXX, XXXX XXXX, and varies other was quoted a ridiculous high amount. How can this be with no at Fault Accidents and no points in the last twenty years? I am a XXXX/ XXXX worker at a XXXX XXXX I must have a clean driving record to XXXX [ XXXX XXXX XXXX XXXX. I was question regarding the accident reported by XXXX XXXX last year until a MVR was rand on my license. This when I was advised to have this situation taken care of. So you see I have documents regarding this situation as ongoing since the beginning of XX/XX/XXXX..
Company Response: Closed with explanation

Timely Response

2017-07-21

Burlingame, CA

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: We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : LexisNexis XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.
Company Response: Closed with explanation

Timely Response

2017-07-21

Moapa, NV

Incorrect information on your report

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

Public record information inaccurate
Complaint: Notified XXXX XX/XX/XXXX, and sent another dispute in XX/XX/XXXX of a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( lexis-nexis ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM Lexis-Nexis. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!
Company Response: Closed with explanation

Timely Response

2017-07-21

Atl, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I contacted LexisNexis about ( 2 ) Fraudulent Bankruptcies that were showing on my credit report : Case XXXX & Case XXXX I received a letter from LexisNexis that I am attaching to this complaint that they deleted Case XXXX because they had reviewed it and found it to be fraud, but they did not delete XXXX XXXX, and that makes absolutely no sense, so I am not sure if this was a mistake they made and meant to include both but over looked one or accidentally left it off, however they both were fraudulent and both need to be deleted. Both of these bankruptcies were filed in a state I have never lived in EVER and they were both filed within a years time period which violates the law regarding bankruptcy filing time period for a chapter XXXX or any other type bankruptcy for that matter, it is impossible and ca n't happen, so both of these bankruptcies are fraudulent, not just one of them. Both of these bankruptcies also have the same Judges initials on both so again they are both fraudulent and need to be immediately deleted. Also LexisNexis needs to notify the credit bureaus to make them aware that these have been deleted so they can update their records and remove the fraudulent information because all 3 credit bureaus are still showing this fraudulent information. Let me state again that I have never filed any bankruptcy and have never lived in S.C. where these bankruptcies were allegedly filed, so neither of these bankruptcies are mine and I would sincerely appreciate this matter being resolved immediately because this is defamation of character. See Attachment
Company Response: Closed with explanation

Timely Response

2017-07-21

Santa Ysabel, 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

Was not notified of investigation status or results
Complaint: I responded to lexis nexis letter regarding a public record error on their report. On XX/XX/XXXX I sent in documentation via email about the false information they said about calling the court because I called myself and they answer was different from lexis nexis. I was told I would get a response in 24 hours and have not heard anything.
Company Response: Closed with explanation

Timely Response

2017-07-21

Cheverly, MD

Improper use of your report

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

Reporting company used your report improperly
Complaint: Several months ago, I suppressed my information with LexisNexis from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both LexisNexis and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with XXXX, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from XXXX on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through LexisNexis. Now I wonder how that could be possible when per LexisNexis all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however XXXX, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by LexisNexis. I information should have always been suppressed/frozen with LexisNexis from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from LexisNexis unfortunately the suppression was compromise and it was being reported. Suppression numbers for LexisNexis XXXX & XXXX,XX/XX/XXXX & XX/XX/XXXX. LexisNexis per XXXX, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
Company Response: Closed with explanation

Timely Response

2017-07-20

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
Company Response: Closed with explanation

Timely Response

2017-07-20

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

Their investigation did not fix an error on your report
Complaint: Please see company response as said facts : Based upon the supporting documentation XXXX XXXX provided in his fourth complaint with your office, XXXX XXXX XXXX disputes the address and drivers license state associated with the claim dated XX/XX/2013 listed on his XXXX XXXX Auto report. Please be aware that the drivers license listed on a claim refers to the drivers license number at the time the claim was made. In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a new dispute of the claim mentioned above. During the investigation, XXXX XXXX XXXX confirmed that the address for the reported claim XXXX XXXX XXXX, XXXX XXXX, XXXX is accurately associated with both XXXX XXXX and with the claim in question. Further, while XXXX XXXX has indeed provided a copy of his current XXXX XXXX State drivers license, XXXX XXXX XXXX confirmed that XXXX XXXX previously resided in XXXX XXXX and insured a XXXX XXXX on a policy they underwrote at the time of the claim in question. Given this verification, LexisNexis is unable to remove the claim in question from XXXX XXXX XXXX XXXX Auto report. If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis XXXX
Company Response: Closed with explanation

Timely Response

2017-07-18

Rochester, OH

Problem with fraud alerts or security freezes

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

Complaint: I have requested to opt-out, fraud alert and a freeze place on at an account that was created in my name at LexisNexis, 3rd parting data furnisher. This was done to stop them from reporting things to the credit bureau that has caused me to suffer because my credit score wo n't allow me to function as a normal human being. I contacted this company because after I did what was required per LexisNexis, they refused to stop reporting and so-call verifying information that they placed on my report. I was told by the CRS that they can report whatever they want to thru public recording reporting. This is contradictory as to what they require you to do as a consumer per their company to stop what they are doing. This is so frustrating with this act of trickery to gain more information on you to report to credit bureaus who take their word as law.
Company Response: Closed with explanation

Timely Response

2017-07-18

Library, PA

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

2017-07-18

Grand Lake, LA

Incorrect information on your report

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

Public record information inaccurate
Complaint: I sent several certified letters to Lexis Nexis disputing information on the report I obtained from them and did not receive a response back with 30 days from the first letter being sent out in XXXX I had also made a phone call inquiring to see if they received my complaint and the representative said they did, but I guess it was never addressed.I requested that they send me proof of a bankruptcy filing from the courts that they are trying to show on my records, which they are saying they verified with the court themselves and I called the court and was told they do not verify or report any information to any of the credit bureaus, so that information was not true. I am waiting on written confirmation from the court just to have a back up to show that they do not verify anything with any of the credit bureaus including Lexis Nexis , so they are not telling the truth and can not provide me the proper verification.
Company Response: Closed with explanation

Timely Response

2017-07-17

Rochdale, NY

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: I have made 4 to 5 attempts to Obtain my Consumer Credit & Insurance profile for free from Lexis Nexis Consumer Reports under FACT ACT Disclosure following all procedures as detailed on Lexis Nexis website ; dob ( XX/XX/XXXX ) I have attempted via US Postal Service w proof of identity a mailed request to Lexis Nexis ; yet Lexis Nexis refuses to properly verify my id I have several consumer accounts and the XXXX other bureaus have mananged to verify my id, I am a victim of ID theft and even the IRS was able to verify my id ; why Lexis Nexis refuses to help or disclose my report I do no know as I have acted with integrity in matter pertaining to my request for my Consumer Report DOB XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2017-07-17

Atlanta, GA

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

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

Their investigation did not fix an error on your report
Complaint: I submitted a request for XXXX to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that XXXX had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of ( XXXX ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why XXXX chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that XXXX refused to block were as follows : XXXX XXXX XXXX Account Number XXXX this is a fraudulent account and should have been blocked with the rest of the items that I identified to XXXX were fraud. XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to XXXX by phone and by certified mail. They claim this fraudulent information was provided to them by LexisNexis, but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as Lexis Nexis. LexisNexis was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me. Lexis Nexis never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.
Company Response: Closed with explanation

Timely Response

2017-07-14

Hon, HI

Incorrect information on your report

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

Public record information inaccurate
Complaint: I contacted XXXX County/Superior Court by phone and requested them to run my name and social security number through their systems to see what information was associated with my personal information. I was told by someone working that there was not any information in the system. I was also emailed stating the same thing. I gave her the case ID number that was on my credit report and she pulled that file up in the system. The file she pulled up has someone else named on it and I do not know that individual. I was also emailed the information that was associated with the case ID number that I provided. This took place XX/XX/XXXX. I have a lien judgment for the amount of {$590.00}. <P/>I also have filed several disputes with all the credit bureaus along with my supporting documents that I were emailed from by XXXX County. My disputes were last filed XX/XX/XXXX and were closed XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2017-07-14

Newnan, 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: LexisNexis is reporting false, incorrect and inaccurate information to all three ( 3 ) credit bureaus. They have a total of 3 bankruptcies on my file. I 've never filed bankruptcy. Let alone 3 of them! They claim they received the information from the courts. The courts do n't verify or release any information. ( Privacy laws ) LexisNexis never verified any information they are reporting on me. They are making profit off of false information and it has had a huge impact on my life. It 's against the law per the FCRA.
Company Response: Closed with explanation

Timely Response