LEXISNEXIS

2017-05-30

Williamston, MI

Incorrect information on your report

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

Information is incorrect
Complaint: XX/XX/XXXX I was made aware of an allegation that allegedly occurred in XX/XX/XXXX. This was the first I was made aware that Lexis-Nexis was communicating XXXX information that was egregious and false - from 11 years ago. A background check was completed and my employment was at risk given my position and scope of responsibilities. My field of endeavor has been how I have provided from myself for 30 years. The " incident report '' consistent of two paragraphs. There is insufficient information and no documentation provided to support this " blind '' report. In XX/XX/XXXX, when the report was filed, we were open for business and my name and phone number were provided on the application and I could have been contacted. I was never contacted nor given " my day in court '' - to defend myself. In my 30 year career, I have never participated in or perpetrated a fraud. I have asked for all the documentation that precipitated this report - and it has not been provided. I have requested that it be removed, because the requirements for file retention have long passed and I have no file to reference or present in my defense. ( This allegedly took place 11 years ago ). This has not happened. I have requested that alleged " fraud '' be removed, because the claim is wholly false, this has not happened. I have requested a list of all those that have been provided this report and this has not been provided. I had lengthy conversations with XXXX ( XXXX ) of Lexis Nexis and he last indicated he would pursue all of the above - and then I got an email closing the request with no recourse to reopen - and none of that which was requested was provided. I spoke with XXXX at Length ( XXXX with Lexis Nexis and he expressed ambivalence and never followed up on the items itemized above as requested by phone and in writing. He indicated that Lexis Nexis is not a CRS and not held to removing files after 10 years not are they required to vet with the accused ( Me ) any information. That " blind '' reporting is the right of subscribers. I was indignant and absolutely baffled that one can pay to " bully '' with false statements that can end careers. I had no idea that such a pay to disparage existed - without one 's day in court. I had written, called and made multiple efforts to resolve and the response is contact Lexis Nexis Legal in XXXX, GA - by mail. I am not an attorney, nor can I hire one to fight this giant. I have noted the 13 Million Dollar Class Action lawsuit to like situations. I am requesting your help and I hope over-sight for a system that allows anonymous/blind reports with making the accused aware, given the right of this constitution to face their accuser, not require the accuser to contact the defendant ( me ) - to vet the circumstance. Once a year all service providers and my employer will require a back ground check and I am expected to " resolve '' this finding. I need help with a fair, just and swift resolution to that which is not true, that which allegedly happened 11 years ago and to which I have just been made aware - and that my continued employment is predicated upon. I have no legal record - not even a speeding ticket. This really needs the power of the CFPB to develop minimal standards that align with our constitutional and legal rights. Respectfully, XXXX XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2017-05-30

Gridiron, TX

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

2017-05-28

Juniper Hills, 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

Investigation took more than 30 days
Complaint: LexisNexis Consumer Service shows a Tax Lien on my credit report. I do not have ANY Tax Lien. I DISPUTED the information with LexisNexis Consumer Service on XXXX XXXX, 2017 via USPS certified mail return receipt. Asking them to VALIDATE the information in accordance with the Fair Debt Reporting Act. I have not heard from LexisNexis Consumer Service, nor did they mark this information ad DISPUTED. I sent another letter dated XXXX XXXX, 2017 via USPS certified mail return receipt. informing LexisNexis Consumer Service by not responding to my original letter dated XXXX XXXX, 2017 LexisNexis Consumer Service have not only violated federal law, but they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate Lien/ Judgment on consumer report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you WILL BE required to appear at Superior Court of California , XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX California XX/XX/XXXX if the said information is not removed from my consumer report IMMEDIATELY. I will be seeking {$3500.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act LexisNexis Consumer Service. Has failed to validate said Liens/ Judgment Failure to remove item off consumer report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. Based on your response to the FCPB will determine my next actions. Information also needs to be updated with XXXX and XXXX. Verification according to XXXX 's Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also, it goes on to say, " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ; and XXXX v. XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To break it down into language you can understand, verification is sworn testimony. It can be testimony in a deposition or in court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand knowledge. A court clerk does not have firsthand knowledge nor does the county recorder, nor does anyone at the credit bureaus, nor does Lexis Nexus, the main public records source for the credit bureaus. If someone verifies but they do n't have first-hand knowledge, then its not verification, its Hearsay. And hearsay is inadmissible and the court says its incompetent.
Company Response: Closed with explanation

Timely Response

2017-05-28

Lk Buena Vis, FL

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I con taced Lexis Nexis, XXXX XXXX XXXX XXXX they just said it was verified w ith Lexis Nexis. I wrote Lexis Nexis and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it. The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus. Lexis Nexis, which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false information on my cr edit report.
Company Response: Closed with explanation

Timely Response

2017-05-27

Las Vegas, NV

Incorrect information on your report

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

Information is incorrect
Complaint: The company, Lexis/Nexis, XXXX XXXX XXXX XXXX, WI XXXX has a renewal Notification dated XX/XX/XXXX report that shows my homeowner insurance policy with XXXX, # XXXX XXXX, policy from XX/XX/XXXX to XX/XX/XXXX, at XXXX XXXX XXXX XXXX NV XXXX WITHOUT earthquake insurance with a premium amount of {$800.00}. XXXX ( XXXX ) has this same total WITH earthquake insurance which I pay for in this total. Despite many written requests Lexis/Nexis has not replied to me or corrected this error. Help!!! XXXX XXXX XXXX XXXX ps ... the actual postcard from Lexis/Nexis was addressed to XXXX XXXX XXXX at the address above.
Company Response: Closed with explanation

Timely Response

2017-05-27

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

2017-05-23

Mabank, TX

Improper use of your report

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

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

Timely Response

2017-05-23

Chester, VA

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

2017-05-20

Detroit, MI

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2017-05-19

Red Bank, NJ

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

2017-05-18

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: Myself and wife had XXXX Federal Liens on our credit report. The IRS withdrew them on XXXX / XXXX / 17 and XXXX / XXXX / 17 and filed notices of withdrawal of filed Federal Tax Liens in th e correct county. We disputed with XXXX the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only XXXX and still reported the XXXX / XXXX / 17 tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results. XXXX used a third party vendor for their information, LexisNexis. XXXX is ignoring our Lien Withdrawal. Since our state is included in the XXXX XXXX XXXX settlement and Federal Tax Liens are t o be deleted we find this conduct very irregular.
Company Response: Closed with explanation

Timely Response

2017-05-18

Alexandria, VA

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

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2017-05-17

Evanston, IL

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: Re : two addre sses in Louisiana not mine. Though a XXXX XXXX ( XXXX ) a t XXXX Fraud Management Dept inf ormed me in XXXX XXXX that I am not responsible for a fraudulent purchase at a XXXX store in Louisiana, two Louis iana addresses are now on my consumer credit files. I have never lived nor worked in Louisiana. I have been an Illinois resident since XXXX . Both Louisiana addresses should be deleted from my consumer credit files. They are : XXXX XXXX XXXX , XXXX XXXX , LA XXXX XXXX XXXX XXXX , XXXX , LA XXXX
Company Response: Closed with explanation

Timely Response

2017-05-16

Carlsbad, CA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2017-05-12

Improper use of your report

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

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

Timely Response

2017-05-11

Three Bridges, NJ

Improper use of your report

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

Reporting company used your report improperly
Complaint: On XXXX XXXX , LexisNexis supplied my background report to somebody without my authroization. This report contained my Social Security number and other vital and sensitive information that should not have been released without my authorization. I never authorized ANYBODY to receive this information. Somebody than proceeded to post my background report on an XXXX and XXXX page for the world to see. I had checked with a friend of mine in the FBI who had stated the report came from LexisNexis. I had contacted them to start an investigation and let me know who requested this report which would then let me try and find out who posted it, so I can take appropriate legal actions once I find out. LexisNexis stated to me that cant furnish that information to me due to proprietary reasons. I stated to them that if they are bound by the FCRA, which i notice they are, they have to furnish me the information as to who requested my report from them. They told me they could only furnish me this information if I were to issue them a court ordered subpoena. I do not think this is fair that for me to get a copy of a report of mine that was illegally obtained and posted on social media, that I have to pay a lawyer to receive the information that is my right to have due to the FCRA laws.
Company Response: Closed with explanation

Timely Response

2017-05-11

Addicks, TX

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

2017-05-10

Dotson, TX

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

2017-05-09

Murray, UT

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: Lexis Nexis has failed to provide me an updated result of my recent dispute investigation a month ago. I have disputed several inaccuracies without any updated reports mailed back to me in the allow time under the FCRA.
Company Response: Closed with explanation

Timely Response

2017-05-06

Atlanta, GA

Incorrect information on your report

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

Public record information inaccurate
Complaint: O n XX/XX/XXXX , I sen t Lexis Nexis ( Consumer Center ) Attn : Full File Disclosure, XXXX , GA XXXX , a certified letter along with supporting documentation regarding a Tax Lien from XXXX County Superior Court ; Case ID # XXXX , filed XX/XX/XXXX in the amount of {$1800.00}. LexisNexis has been reporting to XXXX completely inaccurat e information. First of the a ll, the tax lien originated with the Georgia Department of Revenue ( I ncome Tax Lien Section ) ; Lexis Nexis has the Case ID # XXXX ; In addition, the lien was released o n XX/XX/XXXX ; Lexis Ne xis has it being released on XX/XX/XXXX . Furthermore, On XX/XX/XXXX , and XX/XX/XXXX , I disputed the sa me tax lien with XXXX reported by XXXX County Superior Court ; Case # XXXX ; Amount : {$1800.00} in the file of XXXX maintained under my Social Security number. I was informed on XX/XX/XXXX t hat the item was deleted from my credit report. Now I discovered that the item has been reinstated on my credit report. In accordance with the requirements of the FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ), XXXX was required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five ( 5 ) business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I WAS NEVER NOTIFIED OF SUCH REINSERTION OF THIS TAX LIEN ON XXXX CREDIT FILE UNDER MY SOCIAL SECURITY NUMBER. Please validate this information with XXXX County Superior Court and h ave Lexis Nexis provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file maintained under my social security number. I do not consent to XX/XX/XXXX or any means of automated verification, which is exactly what LexisNexis is doing along with XXXX Note : The Georgia Department of Revenue n or The XXXX County Superior Court N EVER RELEASE ANY INFORMATION TO CREDIT REPORTING OR CONSUMER REPORTING AGENCIES. I have accompanied proof of this fact. I have accompanied this dispute with supporting documentation.
Company Response: Closed with explanation

Timely Response

2017-05-05

Houston, 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: I have previously disputed a judgement that is reflecting on my consumer report in reference to an eviction/judgement that has since been removed from all credit bureaus. This debt was settled with XXXX XXXX XXXX XXXX XXXX . These apartments have changed names and management a total of 3 times and no one has record of me ever living there let alone any records of any judgements being placed against me. I spoke with the court and they stated that I would need the apartment complex to file a release of judgement which is impossible at this point being that the apartments no longer exist. The new management company did however provide me with a letter stating that they do n't have any records prior to 2012 as they have been shredded due to the age of the account.
Company Response: Closed with explanation

Timely Response

2017-05-05

Detroit, 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

2017-05-05

San Francisco, 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

2017-05-02

Green Acres, FL

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

2017-04-29

Jonesboro, 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 have asked XXXX to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called Lexis Nexis. I contacted Lexis Nexis XXXX of XXXX and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to XXXX and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from Lexis Nexis and the letter from XXXX . How can XXXX say they verified the info and I have proof that the public record is not in Lexis Nexis database.
Company Response: Closed with explanation

Timely Response