LEXISNEXIS

2017-04-28

Dallas, TX

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

2017-04-28

IL

Incorrect information on your report

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

Account information incorrect
Complaint: Recently, I requested a copy of my LexisNexis Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file, as one the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is over five years old and should not be reporting on my file at all. The report shows a conviction for Failure to Appear f rom XXXX XXXX XXXX . Th e corresponding conviction was subsequently vacated and should no longer be reported. Attached is my driving abstract from th e Secretary of State. Please find that the aforementioned conviction is not reported my driving abstract as the conviction was vacated. Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the l ast five years I respo nded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.
Company Response: Closed with explanation

Timely Response

2017-04-26

IL

Incorrect information on your report

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

Public record information inaccurate
Complaint: after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.
Company Response: Closed with explanation

Timely Response

2017-04-21

Tucson, AZ

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

Tucson, AZ

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

Lima, OH

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-21

Hamburg, MN

Incorrect information on credit report

Credit reporting:

Public record
Complaint: To Whom It May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or B ankruptcy. ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. A Bankruptcy filing is public information. Again , ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Nam e- XXXX , XXXX , XXXX ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party resear ch. Please validate this information and 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 you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Chula Vista, CA

Incorrect information on credit report

Credit reporting:

Personal information
Complaint: Seemingly out of no where, Lexis/Nexis is reporting to my bank ( XXXX XXXX XXXX ) that I am " deceased ''. Using information supplied by Lexis/Nexis, XXXX XXXX XXXX cut off my credit and debit card and froze my home equity lines. . XXXX XXXX XXXX has done an excellent job in reversing these errors and getting my card and line access reinstated. I reported this issue to Lexis/nexis and they said they would review my case but it would take up to 60 days. ( Lexis/nexis number XXXX ) However, as of XXXX , LexisNexis continues to report that I am " deceased ''. I am very concerned that this continued report of erroneous data will impact my other banking relationship, credit etc. I want Lexis/Nexis to fix their reporting issue and stop providing this erronerous info about me to third parties.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Drummond Island, MI

Incorrect information on credit report

Credit reporting:

Personal information
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Bohemia, NY

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Complaint: three months ago i contacted Lexis Nexis Clue report and filed a dispute with them as to the inaccuracy of the information they supply to insurance companies is causing me not to get affordable insurance. It seems that they are reporting accidents that should not be on my report since it was founded that i was not at fault. these accidents was 1 flooding of my car and 2 vehicles that were not mine but my son 's ( registered in his name } within a three month period were totaled while parked in a parking lot over night. this inaccurate reporting is causing me to pay higher rates of insurance. I am accurately being cancelled auto insurance because of this report. And if they are reporting this on mine and my son 's report then they are double dipping two of these accidents should only be on my son 's report and not mine.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Houston, TX

Incorrect information on credit report

Credit reporting:

Public record
Complaint: Civil judgement and eviction has been removed from all XXXX credit bureaus, but 3rd party agencies ( i.e. LexisNexis, XXXX, XXXX, XXXX, XXXX/XXXX, etc ) are still reporting it. The creditor is showing up under XXXX ( XXXX/XXXX ). This is making it very hard to be able to rent anywhere else.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Hattiesburg, MS

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

IN

Incorrect information on credit report

Credit reporting:

Public record
Complaint: Describe what happened so we can understand the issue ... I called on XX/XX/2017 to file a dispute on my report because of information that was not correct at all. It was not what was told to the company that reported it and the result was the continued raise in insurance rates even though I was a customer for years and I did n't understand why. Upon leaving I found out about the erroneous reporting. I called for the dispute and on today XX/XX/2017 I called to check status since it had been 21 days and I was told that she, XXXX the rep I spoke with, could not even find the dispute. This was outrageous! It is a way to continue to gouge customers and continue to force lies regarding people. Fact checking need to be done before reporting, it affect lives of people, because citizens have to jump through hoops to get it corrected and it cost time and money that we already can not afford. This has cost me years of money and I am already owed a refund of my current insurance pending the correction of this documentation. I am demanding compensation for this outright lie. I can not be at fault for an accident that is not my vehicle, when I am the passenger in someone else 's vehicle! It is impossible. This needs to be corrected immediately!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Chester, VA

Credit reporting company's investigation

Credit reporting:

Investigation took too long
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Buffalo, NY

Credit reporting company's investigation

Credit reporting:

Inadequate help over the phone
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Cheyenne, WY

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

NC

Incorrect information on credit report

Credit reporting:

Public record
Complaint: Lexis nexis consumer reporting reported a bankruptcy to all XXXX credit bureaus that has been dismissed I disputed with them they state they verified the bankruptcy with the court. They provided False information I have enclosed a letter from the courts that they Do Not Verify Bankruptcys with credit reporting or anyone nexis lexis provided False information to me and Violated the Fair Credit Act I want the bankruptcy deleted from all XXXX credit reports XXXX XXXX and XXXX and lexis nexis
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-08

Defiance, OH

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

VA

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Complaint: I disputed information that was on my credit report that is not reporting accurately. XXXX stated that they obtained public records items from my local, state, and federal courts through a third party vendor, LexisNexis that verified that this item belonged to me. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my XXXX report of the improper sharing by the credit reporting company. XXXX could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Greenwood, CA

Incorrect information on credit report

Credit reporting:

Public record
Complaint: I requested my " Full File Disclosure/Credit Report '' from the company Lexis Nexis ( a 3rd Party Credit Reporting agency ) and discovered they are reporting a derogatory item, the derogatory item they list on the report is a " Bankruptcy '', under my name. I sent XXXX XXXX, ( who Lexis Nexis reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Lexis Nexis received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. Lexis Nexis has not responded to me with a decision, not reported my dispute and they have not responded to me with any action. This " Bankruptcy '' that Lexis Nexis has a record of is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores and credit granting abilities negatively. I want this " Bankruptcy '' removed. Lexis Nexis failed to respond in 30 days of my letter and did not provide me with any competent verification of this " Bankruptcy '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the " Bankruptcy. '' I will file separate complaints with CFPB if necessary. Thank You
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Euclid, OH

Credit reporting company's investigation

Credit reporting:

Problem with statement of dispute
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Ft Myers, FL

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

Atl, GA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

OH

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Complaint: Lexis Nexis reporting bankruptcy without verification, there is a lot of stuff on their report for me that does not belong to me, I 've never lived at a couple of those addresses. How can they verify without signatures, the courts do not verify.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Chattanooga, TN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Vetting Agents - I was told to submit this way due to no topic that fits. 2 Years ago I was told the LexisNexis.com product line was being used to VET agents, the fair credit reporting act allowed them to do this daily and share our information with millions of employees and contractors in the USA and XXXX and other countries they accessed our personal information SS #, DL #, CreditReports, HomeAddress, DOB, last know address and associates. daily and sometimes multiple times daily. I am a XXXX employee XXXX. In order to get help we have to disclose our cell number so they can VET us by texting us a code that we have to repeat back to them, in order to receive a code they go into the LEXISNEXIS portal and ask us personal questions that we have to give them the answers to. The same information required when getting a loan or car insurance. we are asked this no matter if we are in a public place around people whom have no right to our private information, our clients have no right to our private information. After many complaints, We were then told it had to be our billing address belonging to our Cell Phone, I changed my cell bill legally to my XXXX, and they refused to accept it saying fair credit reporting required us to use our home address, then we were told it had to be our personal address where we lived. But then later they starting asking for DL #, model make color of our cars and address where we have lived. People or Companies we may have been associated with in the past. We have the expected right to privacy just like any Agent on the street. This portal is being accessed by millions whom have not been given permission nor should ever have it for this VETTING purpose. This function has nothing to do with our private information. I contacted the state of Tennessee on many levels, our local Court House, XXXX, XXXX the United Postal service, they were all asked the same question do sell my private information or give it to anyone? They all said no that this is public information? but none of them could tell me where you can find my SS #, DL # Home address, Cell number, in public or on the internet, without some kind of written consent from me. I have not given LexisNexis consent to have my private information much less distribute to millions who can access their portal who also do n't have my consent to do so. I contacted LexisNexis asked them to remove my information from their system 2 years ago it has yet to be done.
Company Response: Closed with explanation

Disputed: Yes Timely Response