Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have placed a Security freeze with Lexis Nexis and XXXX in XX/XX/XXXX but upon reviewing my report, I see that they have still provided information to and responded to " inquiries '' sent to them beyond this date. On XX/XX/XXXX 2023 I have also requested a suppression/opt out of all personal, financial, contact and locate information via Lexis NexisXXXX/all other subsidiaries and affiliates pursuant to my rights under 15 U.S. Code 6802, 16 CFR 313 and its subparts. In addition, in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: see attachment for full complaint COUNT 1 : NEGLIGENT NONCOMPLIANCE UNDER FCRA 604 Claimant, XXXX XXXX, alleges as follows : 1. This cause of action arises under the Fair Credit Reporting Act ( FCRA ), specifically addressing negligent noncompliance with 15 U.S.C. 1681b ( a ) ( 2 ). 2. On XX/XX/2023, Claimant applied for car financing with XXXX XXXX XXXX. The application was denied based on information obtained from a consumer report accessed by XXXX XXXX XXXX. 3. The consumer report accessed by XXXX XXXX XXXX included information that violated Claimant 's rights under 15 U.S.C. 1681b ( a ) ( 2 ). 4. Claimant had previously provided written instructions to XXXX and XXXX, explicitly directing them to delete specific items of information, especially details from furnishers who had previously violated Claimant 's rights to privacy, confidentiality, and the right to opt-out of information sharing with nonaffiliates. 5. Respondents, including [ Credit Reporting Agency 's Name ], negligently failed to comply with Claimant 's written instructions, resulting in the inclusion of damaging negative items in the consumer report accessed by XXXX XXXX XXXX. 6. Respondents ' negligent noncompliance led to inaccurate reporting, adversely affecting Claimant 's credit report and score, influencing XXXX XXXX XXXX denial of her financing application. WHEREFORE, Claimant, XXXX XXXX, demands XXXX, XXXX, and, if applicable, XXXX to each : 1. Cease furnishing consumer reports that do not comply with Claimant 's explicit written instructions. 2. Provide compensation of {$1000.00} for damages. 3. Provide an additional {$1000.00} for emotional distress. COUNT 2 : NEGLIGENT NONCOMPLIANCE UNDER FCRA 605 Claimant, XXXX XXXX, hereby asserts : 1. This cause of action arises under the Fair Credit Reporting Act ( FCRA ), specifically addressing violations of 15 U.S.C. 1681c. 2. FCRA 605 ( a ) ( 5 ) prohibits the inclusion of any adverse item of information in a consumer report, excluding records of convictions of crimes, which antedates the report by more than seven years. 3. FCRA 605 ( b ) outlines exempted cases where the provisions of 605 ( a ) are not applicable, including situations involving a credit transaction of {$150000.00} or more. 4. While in violation of Claimant 's written instructions, the credit reports provided to XXXX XXXX XXXX contained adverse items of information. 5. The transaction for which the consumer reports were accessed involved a principal amount of less than {$150000.00}, rendering the exemption outlined in FCRA 605 ( b ) ( 1 ) inapplicable. 6. Credit reporting agencies, including [ Credit Reporting Agency 's Name ], violated FCRA 605 by providing XXXX XXXX XXXX XXXX consumer reports containing adverse items of information for a credit transaction of less than {$150000.00}. WHEREFORE, Claimant, XXXX XXXX, demands XXXX, XXXX, and, if applicable, XXXX to each : 1. Cease furnishing consumer reports that include adverse items of information for credit transactions involving a principal amount of less than 150,000. 2. Provide compensation of {$1000.00} for damages. 3. Provide an additional {$1000.00} for emotional distress. COUNT 3 : NEGLIGENT NONCOMPLIANCE UNDER FCRA 619 Claimant, XXXX XXXX, asserts : 1. This cause of action is grounded in the Fair Credit Reporting Act ( FCRA ), particularly addressing violations of 15 U.S.C. 1681q. 2. FCRA 619 prohibits any person from knowingly and willfully obtaining information on a consumer from a consumer reporting agency under false pretenses. 3. Claimant previously sent an opt-out notice to Lexis Nexis, a consumer reporting agency, to prevent the sharing of her information with nonaffiliates. 4. Lexis Nexis fraudulently obtained Claimant 's information from creditors who had received her opt-out notice. 5. Claimant also explicitly opted out of the sharing of her information with affiliates, and XXXX is a subsidiary affiliate of Lexis Nexis. XXXX. XXXX, under the circumstances described, has knowingly and willfully obtained information on Claimant by false pretenses. XXXX. XXXX lacks express consent from Claimant to gather, assemble, and furnish credit reports in connection with any credit transaction she is involved in. WHEREFORE, Claimant, XXXX XXXX, demands XXXX to 1. Cease and desist the unauthorized obtaining and furnishing of information on Claimant. 2. Compensate the claimant {$1000.00} for damages.
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I recently received my LEXIS NEXIS Consumer Credit Report as used for insurance and other financial matters. There are multiple errors and entries including but not limited to incorrect addresses, incorrect names used and other false information. I want the opportunity to immediately correct and remove ALL FALSE information from their files and database. Because of their system error, this process to receive information and correct it has taken almost 2 months and I am still being penalized by companies with whom I would do business. So their error filled and erroneous reports are causing me harm and causing me to suffer loss. I wish this stopped immediately.
Company Response:
State: IL
Zip: 61604
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I HAVE PREVIOUSLY DISPUTED WITH LEXISNEXIS ( PUBLIC RECORD XXXX XXXX XXXX XXXX XXXX XXXXXXXX WITH LEXISNEXIS, AND IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I have been dealing with LexisNexis since XXXX. This year wrote XXXX, and more. Some of the error have been corrected but the most damaging remain and the company being very difficult to deal with. Their source of information, when contacted directly contradict their information. They have me with 4 different entries for marriage, when only been married once. My wife, appear single, and one time using my last name which has never being the case. They list a government agency : Nevada Division of Public Health as source, when I contact the agency they indicate they do not share information with LexisNexis. Insurance information is wrong. All documentation has been provided yet, it hasn't been removed or corrected. Email, telephone numbers and addresses appear even though the providers do not operate in the area when I have always lived. Then number of errors are uncountable causing anguish, waste of time, spending money at XXXX XXXX XXXX on Social Security. It is abusive. This have impacted my wife and I for years in higher premiums with the insurance company and our insurance coverage. LexisNexis do not verify their source of information and does not cross reference in case or husband and wife creating a disparaging set of records of husband and wife. Then refusing not to correct it.
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LEXISNEXIS is falsely reporting an auto accident on my driving history. The information derives from a fraudulent claim made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my insurance company XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have been trying to clear this matter up through my insurance company XXXX XXXX for more than a year to no avail.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I contacted XXXX, XXXX, and XXXX regarding the inaccurate reporting of this public record. I was informed by the Consumer Reporting Agencies that this information was furnished from LexisNexis Risk Solutions. The public record is not accurate and I am asking that LexisNexis Risk Solutions Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the file you maintain under my Social Security number.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On my credit report I received a Civil Action for Possession Case number : XXXX. However this account does not belong to me. Lexus Nexus is reporting this to the major three credit bureaus. I opted out of Lexus Nexus credit reporting services the moment I found out about this inaccurate information.
Company Response:
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A