LEXISNEXIS

2017-03-29

Hinsdale, IL

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Complaint: This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Moapa, NV

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

NV

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I have contacted Lexis Nexis previously regarding information being reported on my CLUE report. Lexis Nexis has failed to take any action. Lexis Nexis reports that I was the driver of an accident that occurred XX/XX/2015. I was not driving the vehicle nor was I present when this accident occurred. Additionally, I have submitted documentation showing the driver of the accident was XXXX yet Lexis Nexis fails to remove the erroneous information from my report. Insurance companies are using the information reported by Lexis Nexis to rate my policies which is causing me a loss as my premiums are higher due to this inaccurate information.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-25

Bremen, GA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: LexisNexis has been reporting inaccurate information that actually belongs to someone else under my name. I have reached out to them several ways. I inquired about the error, but never received an answer. They only corrected the information and sent an updated report. The damage was already done because insurance companies have been charging me based on their reports.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-24

Aurora, CO

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-19

Burlington, WI

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Augusta, GA

Incorrect information on credit report

Credit reporting:

Public record
Complaint: XXXX, XXXX, and Equifax has not provided the information I requested To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX, and Experian. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax, XXXX to date.I am requesting your assistance in putting an end to this matter. I am requesting the removal of bankruptcies ( below ) on my Equifax credit report due to Civil Case No. XXXX, XXXX v. Equifax Information Service , LLC, I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. They have yet to provide the information I been asking. I called XXXX XXXX and a lady name XXXX they do not have the right to obtain any information without my permission. I also sent a letters informing them that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. They responded account verified without any proof. I trying to fix my credit situation and they are constantly giving me the run around, and are not providing the information I asking for. Can you please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Brooklyn, NY

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Westfield, NJ

Incorrect information on credit report

Credit reporting:

Personal information
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Arco, CA

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Complaint: LexisNexis Risk & Information Analytics Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their RiskView product or direct consumers to an opt-out page for PeopleWise or KnowX. These products are distinctly different from Accurint, which is regulated by the FCRA. In fact, Lexis-Nexis is aware of this and states on their webpage XXXX that the opt-out procedures stated thereon applies to a " Non-FCRA Opt-out Policy ''. That page invents new undefined terms like " information suppressions '' and conflates the various Lexis-Nexis products without even naming Accurint. It does mention KnowX and PeopleWise but any reasonable person reading the page would think that a person has to be one of " Public and elected officials, including law enforcement officers, and private individuals who are facing a substantial risk of physical harm or who are victims of identity theft. '' However, this is NOT the case for suppression from KnowX and PeopleWise which anyone can opt-out of. The policy involving those classes of consumers applies to Accurint and there is nothing on that page or on the internet which states a clear procedure for opting out of Accurint. In fact, one year ago, I requested to opt-out of Accurint and/or place a security freeze on that product. I telephoned the number above and sent in a copy of a report mailed to me from XXXX stating that I was the victim of a security breach. Lexis-Nexis informed me falsely that my information from that database had been suppressed. In fact, Lexis-Nexis only removed me from a product called " RiskView '' by applying a security freeze to that product alone. Lexis-Nexis has been sued over its handling of the Accurint product in XXXX XXXX XXXX et al., v. LexisNexis Risk & Information Analytics Group , Inc. et al., Case No. XXXX. In settling this class action suit in 2014 by paying a XXXX class action settlement Lexis-Nexis promised to change its policies and become " a model of the industry ''. Instead, it remains as murky as ever as to how to be removed from Accurint. There is no clear stated policy on Lexis-Nexis ' web pages anywhere as to removal. Instead, Lexis-Nexis conflates its removal policy for various distinctly different products and misleads the public as to what product consumers are being removed from. This is is being even as Lexis-Nexis has just now begun to mail out checks of {$300.00} to class members.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

Pleasanton, CA

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

Lafayette, CO

Unable to get credit report/credit score

Credit reporting:

Problem getting report or credit score
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

New Bedford, MA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Lexis Nexis is combining my personal records with that of a woman in XXXX, AZ who has the same name I do. When an organization requests my file, it now contains the past address and court records of this woman in Arizona. As a result, I now fail authentication at my own bank. Online databases and the major credit reporting bureaus have also shown this incorrect information. It appears they are not gathering data based on social security number ( a unique identifier of one person ), but on name and possibly age ( numerous matches possible ). This is a financial and logistical nightmare, as I have to contact each one by hand and prove my identity to each company and website. My bank has said this is called " soft theft ''. I spoke with Lexis Nexis on XX/XX/2017, and they denied providing the information to my bank ( they do n't know my bank emails/calls regularly with updates about THEIR conversations with Lexis Nexis ). Later in the conversation, the " specialist '' apparently found an AZ address, but stopped short of saying actual words to acknowledge that. The " specialist '' claimed she could n't find any court records. My bank told me the records originated in Arizona 's XXXX District Court ( record provided by Lexis Nexis ). Lexis Nexis obviously lies as a part of daily business. This is an organization our financial and legal institutions trust to make judgements about us!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

Aurora, CO

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-28

Grand View, ID

Incorrect information on credit report

Credit reporting:

Public record
Complaint: the company refuses to change bankruptcy as it was NOT discharged it was closed
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-27

Pleasanton, CA

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-19

Longview, TX

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-09

Panama City, FL

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-07

Kyle, TX

Credit reporting company's investigation

Credit reporting:

Problem with statement of dispute
Company Response: Closed

Disputed: Yes Timely Response

2017-01-28

Dallas, TX

Credit reporting company's investigation

Credit reporting:

Investigation took too long
Complaint: I disputed my XXXX report via certified mail in XX/XX/XXXX and Also XX/XX/XXXX CFPB case number XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-26

Dotson, TX

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-26

Thompsons Station, TN

Incorrect information on credit report

Credit reporting:

Public record
Complaint: I have dispute a tax lien multiple times with XXXX that do n't belong to me, they remove the tax lien multiple times and wait a long period of time then the tax lien is back on my credit file. I asked XXXX to validate the information they have n't.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-26

Thompsons Station, TN

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: LexisNexis is reporting a tax lien on my credit filed that is not mine, I have to tried to contact this company several times and ca n't never get anyone on the phone the hold time on the phone is always long and never an answer.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Cumming, GA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-23

Aurora, CO

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Closed with explanation

Disputed: No Timely Response