Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802. - Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., Lexis Nexus, XXXX XXXX, XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 3. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice. 4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. 7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the Dodd-Frank Wall Street Reform and Consumer Protection Act. In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been contacting XXXX for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX nexis who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to XXXX who keep saying XXXX XXXX certified this information. I am requesting information be deleted.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I've written to you in XXXX regarding these intentional violations by these for profit companies below and I'm now seeking monetary remedy. The receipts for those are XXXX for XXXX XXXX XXXX XXXX XXXX for LexisNexis, XXXX, for XXXX, XXXX, for XXXX , and XXXX, for XXXX. I'm also looking for a consumer Attorney to go after these companies to collect for damages they've intentionally have caused me and continue to do. You already know the story of LexisNexis phishing or soliciting for my information to sell it for profit while financially crippling me. For two years I've been unable to operate in commerce, unable to purchase a house and this past year, I've been unable to purchase myself an automobile because of this. Not once have any of these people who I've written notices to have legitimately responded with the law and what gives them the right to intentionally violate my rights and not one responded with such laws. The most recent times, I've written to these three companies regarding the removal of this unlawful bankruptcy that is harming my credit profile that I've never given any written consent for them to put on there, including the charges that I've charged them for these violations, and damages they've caused and continue to cause. Per tacit agreement they were also warned that they were going to be charged each day that they continue to report these harmful remarks on my report pursuant to the terms as they agreed upon per tacit agreement and acquiesce : LexisNexis- Previous Affidavit Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Received on XX/XX/XXXX at XXXX XXXX- Previous Affidavit Tracking XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Received on XX/XX/XXXX XXXX XXXX XXXX- Previous Affidavit Tracking XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Received on XX/XX/XXXX at XXXX XXXX was the only one to delete it sometime around XX/XX/XXXX of XXXX, however I had to dispute it multiple times in order to get the damaging bankruptcy removed from my credit profile. LexisNexis- ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX- ( Notice of Default, and Acceptance by Acquiesce to Resolve all Matters ) Most Recently sent, Tracking XXXX XXXXXXXX XXXX XXXX XXXX XXXX The credit bureaus violated my rights under 15 U.S.C. 1681. According to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy. These actions also violate my rights under the Privacy Act of 1974. According to : Office of Privacy and Civil Liberties, U.S. Department of Justice, under The " No Disclosure without Consent '' Rule : I have a right to privacy if I never gave them consent. If I did give them my consent, they must provide me with a certified copy, sworn and signed and notarized before a public notary of a county clerk officer. According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. section 603 section ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. These companies are the prime reason why consumers have their identities stolen each year by way of careless misuse of consumer 's private information. These companies should not have this type of control over consumers and should be shut down for good. You've already received from me the evidence regarding these facts. These Credit Reporting agencies willfully continue to cause me severe damages, XXXX XXXX, XXXX to where I just want to give up on life, invasion of privacy, selling my private information to third parties, ruined my reputation, causing me tons of money in unnecessary fees in interest, causing me to be discriminated against due to unfair practices and continue to get denied my own credit, and unable to establish a sustainable living to support my family. I've been unable to use my credit to purchase another automobile due to the unlawful deceptive actions and the fraud perpetrated against me by XXXX representatives. Also by copying and pasting my signature on other documents to make millions. 1. Evidence from bankruptcy court that they don't give this information to these companies. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 2. LexisNexis response to opting out permanently. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 3. XXXX XXXX, Police report. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 4. XXXX XXXX XXXX dismissed the case after suspending my license and reinstating it due to them discovering and having evidence that someone had stolen my identity and all charges were dropped. Ends results were that the Attorney is charging the perpetrator. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 5. Fees that I paid for this unfortunate court case of identity theft, and to prove my identity was indeed stolen. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 6. Attorney General complaint of stolen identity and Attorney forging my signature to transfer a title of my automobile back to XXXX illegally. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 7. FTC report of foul play by Attorney and XXXX employees or representatives. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU. 8. Evidence of accounts that are clearly violation and inaccurate information that must be deleted immediately, including the removal of that unlawful bankruptcy they attached to my profile and inquiries that are on my file that may have been linked to bankruptcy and the identity theft. THIS HAS ALREADY BEEN PREVIOUSLY ADDRESSED AND UPLOADED TO YOU.
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Only First & Last Name ( XXXX XXXX XXXX ) My Only Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The last 4of my SSN # XXXX My Only XX/XX/XXXX I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX via sign, certified letters and the debt collectors. I have also sent over a certified notarized affidavit of truth upon sending my letters, I spoke with representatives at XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX about the fraudulent accounts and information that is consistently been on my consumer report, their investigation fixed nothing these are the accounts of the violations via FCRA and California consumer privacy act. I have reached out to the BBB, the FTC, the California and STATE ATTORNEY GENERAL AND California consumer protection and innovation 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " So I then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. I allege that XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposesXXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX. XXXX. XXXX Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers. XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX XXXXection 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX Gramm-Leach-Bliley Act, Section XXXX : Failure to ensure the security and confidentiality of my personal and financial information. XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED DEPT OF ED DEPT OF ED DEPT OFED DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open Dollar Amount {$390.00} {$500.00} {$620.00} {$370.00} {$1000.00} {$100000.00} {$3500.00} {$6000.00} {$2300.00} {$2800.00} {$2000.00} {$9.00} XXXX {$2100.00} {$310.00} {$3100.00} {$44000.00} {$5000.00} {$1900.00} {$5300.00} XX/XX/XXXX, XX/XX/XXXX Account number XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DATES XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) ( XXXX ( XXXX ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal RevenueService against ALL entities involvedXXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX XXXX XXXX. -California Consumer Privacy -Act of XXXX [ XXXX - XXXX ] ( Title XXXX added by Stats. XXXX, XXXX. XXXX, Sec. XXXX ) XXXX. Consumers Right to Correct Inaccurate Personal Information ( a ) A consumer shall have the right to request a business that maintains inaccurate personal information about the consumer to correct that inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. ( b ) A business that collects personal information about consumers shall disclose, pursuant to Section XXXX, the consumers right to request correction of inaccurate personal information. ( c ) A business that receives a verifiable consumer request to correct inaccurate personal information shall use commercially reasonable efforts to correct the inaccurate personal information as directed by the consumer, pursuant to Section XXXX and regulations adopted pursuant to paragraph ( XXXX ) of subdivision ( a ) of Section XXXX. ( Added XX/XX/XXXX, by initiative Proposition XXXX, Sec. XXXX. Effective XX/XX/XXXX. XXXX XX/XX/XXXX, pursuant to Sec. XXXX of XXXX XXXX. ) XXXX. Consumers Right to Opt Out of Sale or Sharing of Personal Information ( a ) A consumer shall have the right, at any time, to direct a business that sells or shares personal information about the consumer to third parties not to sell or share the consumers personal information. This right may be referred to as the right to opt-out of sale or sharing. ( b ) A business that sells consumers personal information to, or shares it with, third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section XXXX, that this information may be sold or shared and that consumers have the right to opt-out of the sale or sharing of their personal information** 1 See, e.g., 12 U.S.C. 5481 ( 12 ) ( F ), 5512 ( b ), 5514 ( c ), 5515 ( c ), and also Sub title E ( 12 U.S.C.5561 5567 ) ; 15 U.S.C. 1681s ( b ) ( 1 ) ( H ), ( e ). Authority over 15 U.S.C. 1681m ( e ) and 1681w are limited to the Federal banking agencies, the XXXX, the FTC, the CFTC, and SEC. 1. 15 U.S.C. 1681s. States can directly bring actions under FCRA. See 12 U.S.C. 1681s ( c ) .States can al so bring actions under the Consumer Financial Protection Act ( CFPA ) against covered persons and service providers based upon violations of federal consumer financial laws, including the FCRA XXXX See Authority of States to Enforce the Consumer Financial Protection Act of XXXX, 87 FR 31940 ( XX/XX/XXXX ). 2. 15 U.S.C. 1681n, 1681o. 3. See, e.g., Consumer Financial Protection Bureau, Supervisory Highlights ( Spring XXXX ), at XXXX, XXXX XXXX XXXX XXXX XXXX. See, e.g., Complaint at XXXX, CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX, XXXX ). XXXX. With respect to furnisherdirect disputes, see XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) ( Some industry commenters also suggested that the Agencies issue a model direct dispute complaint form, with some advocating that consumers be required to use the model complaint form. The Agencies decline to adopt these suggestions because such requirements would cause otherwise valid disputes to b e rejected as frivolous or irrelevant due solely to the consumer 's failure to meet a technical requirement that probably would be unknown to the consumer. ) 6. 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) ( identifying which disputes the consumer reporting agency can determine to be frivolous or irrelevant ) ; 12 CFR 1022.43 ( f ) ( 1 ) ( identifying which disputes the furnisher can determine to be frivolous or irrelevant ). 7. 15 U.S.C. 1681i ( a ) ( 3 ) ( Consumer reporting agency frivolous or irrelevant determination ) ; 12 CFR 1022.43 ( f ) ( furnisher direct dispute frivolous or irrelevant determination ). 8. 15 U.S.C. 1681s-2 ( b ). See Brief for Consumer Financial Protection Bureau and Federal Trade Commission as XXXX XXXX Supporting Plaintiff-Appellant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ). XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). XXXX. Consumer Financial Protection Bureau, XXXX XXXX ( XXXX XXXX, XXXX ), at XXXX, XXXX XXXX XXXX ( alerting furnishers to the fact that consumer reporting agencies have begun forwarding images of relevant documentation to furnishers as part of the reasonable investigation of disputes ). 11. For example, a copy of a bill supporting the consumers dispute conveys information regarding the persuasiveness of a consumers dispute that data about the bill would not. 12. Federal Trade Commission, 40 Years of Experience with the Fair Credit Reporting Act : An FTC Staff Report with Summary of Interpretations ( XXXX. XXXX ), at XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( ACRA does not comply with this provision if it merely indicates the nature of the dispute, without communicating to the furnisher the specific relevant information received from the consumer. For example, if the consumer claimed never late and submitted documentation ( such as cancelled checks ) to support his/her dispute, a CRA does not comply with the requirement that is provide all relevant information if it simply notifies the furnisher that the consumer disputes the payment history without communicating the evidence received. ). 13. 2115 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) Account Name NOTICE TO PRINCIPAL IS NOTICE TO AGENT IS NOTICE TO PRINCIPAL XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED DEPT OF ED DEPT OF EDDEPT OFED DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open Dollar Amount {$390.00} {$500.00} {$620.00} {$370.00} {$1000.00} {$100000.00} {$3500.00} {$6000.00} {$2300.00} {$2800.00} {$2000.00} {$9.00} XXXX {$2100.00} {$310.00} {$3100.00} {$44000.00} {$5000.00} {$1900.00} {$5300.00} XX/XX/XXXX, XX/XX/XXXX Account number XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DATES XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Fraudulent address ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX : This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities . This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are requiredby federal law to verify through the physical verification of the original signed consumer contract-any all accounts you post on a credit report. XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 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 given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( Account Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED DEPT OF ED DEPT OF ED DEPT OFED DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open Dollar Amount {$390.00} {$500.00} {$620.00} {$370.00} {$1000.00} {$100000.00} {$3500.00} {$6000.00} {$2300.00} {$2800.00} {$2000.00} {$9.00} XXXX {$2100.00} {$310.00} {$3100.00} {$44000.00} {$5000.00} {$1900.00} {$5300.00} XX/XX/XXXX, XX/XX/XXXX Account number XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DATES XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX cfpb XXXX. XXXX ( b ). XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX XXXX, XXXX ) ( " Respondent also reported in approximately XXXX instances that accounts had a current balance and simultaneously furnished contradictory information, suchas also furnishing information indicating that the accounts were paid in full. " ), XXXX XXXX XXXX. The XXXX consent order, a long with other CFPB consent orders cited herein, relate to furnisher obligations under section 623 of the FCRA, but the underlying logical inconsistencies involved, a sdescribed here in, are illustrative examples of the types of inconsistencies that a credit reporting a gency 's reasonable policies and procedures to a ssure maximum possible accuracy should be designed to detect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) Reckon XXXX XXXX increased hadntaly taken out. " ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( refusing to set aside a jury verdict finding that a consumer reporting a gency failed to follow reasonable procedures under FCRA section 607 ( b ) for failing to detect inconsistencies between a XXXX report containing derogatory information and an earlier May report on which such ate insidinaenare houses to east de finidergar teorida a the yarumisher that. purportedly reflects the month and year on which the delinquency being reported in connection with a consumer 's account commenced. 21 15 U.S.C. 1681c ( a ). 22 15 U.S.C. 1681c ( a ) ( 4 ), ( c ) ./23 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ). Under the FCRA, furnishers mustreport a Date of First Delinquency within 90 days of furnishing information regarding delinquent accounts being placed for collection, charged to profit or loss, or subjected to any similar action. Id. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XX/XX/XXXX ) ( " Respondent furnished account data showing that the consumer account was current, such as reporting {$0.00} amount overdue or full payments madetimely each month, but then a lso furnished a [ Dateof First Delinquency ], a field that inaccurately indicated " internally inconsistent '' data, including reporting " [ Date of First Delinquencies ] for accounts that were current, paid in full ( and not delinquent immediately beforehand ), or previously delinquent but subsequently became current '' ).! 23 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ). Under the FCRA, furnishers mustreport a Date of First Delinquency within 90 days of furnishing information regarding delinquent accounts being placed for collection, charged to profit or loss, or subjected to any similar action. Id. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) ( " Respondent furnished account data showing that the consumer account was current, such as reporting {$0.00} amount overdue or full payments madetimely each month, but then a lso furnished a [ Dateof First Delinquency ], a field that inaccurately indicated " internally inconsistent '' data, including reporting " [ Date of First Delinquencies ] for accounts that were current, paid in full ( and not delinquent immediately beforehand ), or previously delinquent but subsequently became current '' ).! FCRA. available atXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, comment XXXX ( " A [ consumer reporting agency ] must maintain procedures to a void reporting information with obvious lo gical inconsistencies, such as a credit account opened when the consumer was knownto be a minor. " ). FTC staffpublished the 40 Years Report, an updated compilation of past FTC interpretations of the FCRA, to coincide with the transfer of authority to the XXXX. Effective XXXX XXXX, the Dodd-Frank Act transferred rulemaking authority related to most of the FCRA to the Bureau, giving the Bureau the primary regula tory and interpretive roles under the FCRA. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : NEW EVIDENCE INDICATES IDENTITY THIEVES ARE TARGETING CHILDREN FOR UNUSED SOCIAL SECURITY NUMBERs ( XXXX ), available at XXXX : XXXX XXXX Consumer Fin. XXXX. XXXX, " CFPB Releases Tools to Protect Foster Care Children from Credit Reporting Problems '' ( XX/XX/XXXX ), available at XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. at XXXX. See also XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) ( * [ R jeceiving a pparently inconsistent credit reports XXXX trigger an obligation to investigate on the part ofthe credit reporting a gency .... [ because ] a llo wing credit reporting a gencies to act as nothing more than mere conduits of information would eviscerate the act 's em phasis on reasonable compilation procedures. '' ) ( citing XXXX, XXXX. XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( " Courts have held [ consumer reporting agencies ] must look beyond information furnished to them when it is inconsistent with the [ consumer reporting agencies ' ] own records, contains a facial inaccuracy, or comes from an unreliable source. '' ).! See XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX at XXXX ; XXXX, XXXX XXXX XXXX, at XXXX. XXXX XXXX XXXX. XXXX ( b ) ; see also XXXX, XXXX XXXX at XXXX. XXXX FTC 40 Years Report, at XXXX, comment XXXX. 36 15 U.S.C. 1681s. 37 15 U.S.C. 1681o ( emphasis added ) XXXX XXXX XXXX XXXX XXXX LEXISNEXIS XXXX
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? XXXX ) Please evidence your authorization to do business or operate in the state. XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( XXXX ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/XXXX, I submitted a Notice of Dispute to LexisNexis ( XXXX ) and requested the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. On XX/XX/XXXX, I submitted a Notice of LexisNexis Failure to Respond to my Notice of Dispute ( XXXX ) and demanded the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. On XX/XX/XXXX, I submitted a SECOND Notice of LexisNexis Failure to Respond to my Notice of Dispute ( XXXX- XXXX ) and demanded the removal of inaccurate Identification Records from my LexisNexis Consumer Disclosure Report. On XX/XX/XXXX, I spoke with LexisNexis ' representative named XXXX who initiated another dispute regarding the inaccurate Identification Records that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report. This is my THIRD Notice of LexisNexis failure to respond to my Notice of Dispute dated XX/XX/XXXX, within the 30-day statutory deadline as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), the 30-day statutory deadline for LexisNexis to respond to my Notice of Dispute was XX/XX/XXXX. In fact, LexisNexis has refused to respond to any of my Notices of Dispute within the 30-day statutory deadline as required by the FCRA 611 ( a ) ( 1 ) ( A ). Therefore, per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), the disputed information must be deemed UNVERIFIABLE and, therefore, I demand that the unverified Identification Records be promptly deleted from my LexisNexis Consumer Disclosure Report. Upon review of my LexisNexis Consumer Disclosure Report dated XX/XX/XXXX ( See attached Supporting Document # 1 ), LexisNexis is STILL reporting inaccurate information regarding my Identification Records. This inaccurate information must be immediately deleted from my LexisNexis Consumer Disclosure Report.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a credit check through XXXX XXXX, via XXXX XXXX. In that check, I received notice ( See " XXXX Notice '' - dated XX/XX/XXXX ) that a portion of the requested amount was denied due to information provided by LexisNexis. I requested information from Lexis Nexis through their website on XX/XX/XXXX. I spent the next month going back and forth with the company regarding document submission, which I did ( in duplicate ) tie to the XXXX different case numbers they'd randomly assigned to me. I finally received a physical notice that documents were available to me and logged on to obtain those ( DataPrivacyAct and XXXX Both docs attached with the password to open following the word " PASS '' - XXXX XXXX XXXX and XXXX - XXXX XXXX ). On XX/XX/XXXX, I submitted a list of issues with the information in the XXXX reports, noting that per their site, these needed to be addressed within 30 days ( see " Discrepancy submissions '' ). On XX/XX/XXXX, I followed up, noting the 30 day time frame had lapsed with no communication ( see " XXXX XXXX XXXX '' ). I again followed up on XX/XX/XXXX noting I was taking action with CFPB and my attorney ( see " Follow Up XXXX '' ). I then received by mail a letter dated XX/XX/XXXX ( see " XXXX XXXX '' and " XXXX XXXX '' ) with a vague indication that something had been updated, though nothing specifically noted. I logged on using the link provided and pulled the updated reports ( DataPrivacyAct and XXXX Both docs attached with the password to open following the word " PASS '' - XXXX XXXX XXXX and XXXX - XXXX XXXX ) finding that nearly all of the same items I had reported earlier were still present. I replied ( see " New Discrepancy Submissions '' ). What is most concerning, outside of the obvious lack of proper communication and ability to address the specific concerns, is the fact that the data on their report is self contradictory in spots. My age and my birth are different throughout, which is an obvious inconsistency that should raise an alert on their end that something is obviously incorrect. Unfortunately, it takes numerous followups and references to oversight agencies and attornies for this company to take their data seriously. Their data resulted in a denial that impacted my credit score significantly. In addition, they have mixed my data with my father 's data, which I believe is why I've received several communications from various companies that are clearly meant for my father, who lives XXXX miles from me and I have not lived with since I was XXXX. It seems to me it ties to this company 's data.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Consumer Number : XXXX Case Numbers : XXXX, XXXX, XXXX, XXXX I received erroneous mail/paper communication from LexisNexis claiming that my disputes are being put on hold because they were unable to verify my identity. After filing a complaint and listing the disputes, a representative from LexisNexis already called me to discuss the disputes, hence LexisNexis was already able to verify my identity in connection with the disputes. I continue to have problems with LexisNexis 's investigation of this problem, and they have been unwilling to fix incorrect information on my report. As a courtesy, I've attached two forms of identification for LexisNexis 's team 's reference ( one with prior address and one with current address ).
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: After running a free credit report on myself and seeing a one line " lexisnexis '' under a supplemental heading, I requested a full report from LexisNexis to include all information they have on file for me. After receiving a 58 page report that included shockingly personal information ( my collision insurance deductible amount and full amounts of my insurance coverage ; addresses I've never lived at or been associated with ; my mom 's social security number. These are just a few of the things I was shocked to find in this report ). Most concerning was them reporting a XXXX XXXX XXXX for which I had my XXXX XXXX, and was told that after the XXXX XXXX XXXX it wouldn't be available even to law enforcement agencies, yet here it was on this lexisnexis report which had been given to a number of companies ( many of which I don't recognize nor authorized to obtain any information about me ). In spite of my having to provide Lexisnexis proof of my identity to receive this report, when I tried to dispute and complain about this matter, they would not accept it without providing a litany of private documents to supposedly prove my identity ( e.g. rental agreement with landlord ). I am considering contacting an attorney to file a lawsuit against these people for a clear violation of my civil rights and right to privacy.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A