Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Last year, I submitted a dispute to Lexis Nexus regarding the inaccurate Bankruptcy reporting to my consumer report. I asked them to verify the furnisher who reported this information on me. They confirmed they received the information from PACER. I then reached out to XXXX to confirm how they received this information and how they verified it was accurate. I also reached out to the court listed to ask if they provided this information to XXXX or Lexis Nexus. The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. XXXX is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. Since the court has confirmed that they did not provide this information to Lexis Nexus. They also confirmed they did not verify any information with Lexis Nexus. When I reached out to dispute this information, Lexis Nexus completed their re-investigation and responded back saying this information has been verified. Since the court ( the original data furnisher of this type of information ) did not furnish this information to Lexis Nexus nor verify this information. I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The following letter with court documentation was sent to LexisNexis, which they are denying : Dear LexisNexis Risk Resolution Consumer Center : I obtained my credit report online. There is a U.S Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U.S Bankruptcy Courts confirmed LexisNexis, XXXX, XXXX, and XXXX Credit Report Bureaus have NEVER validated or verified these public record entries on my credit report, neither will they ever be on them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. LexisNexis, XXXX, XXXX, and XXXX Credit Report Bureaus need to provide me with copies of ALL DOCUMENTATION associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, email, or mail fraudulent and erroneous account information. As such, if this unauthorized public information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. Failure to respond in an unsatisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the LexisNexis, XXXX, XXXX, and XXXX Credit Report Bureaus. I will be seeking no less than {$5000.00} for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Company Response:
State: UT
Zip: 845XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I recently received a copy of my credit report for LexisNexis, and I found out that there is plenty of old addresses I found on my credit report. These addresses are outdated, and I no longer reside with them. Also, I found other addresses that I do not recognize at all.
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Lexis Nexis is reporting many accounts. I have asked them to freeze my account and correct the information. They are reporting Florida XXXX XXXX XXXX information incorrectly. I want all of the information pertain to this case removed from my credit report. First it was never late. It was paid off as agreed. They are not report the correct information and I do not give them permission to report any information pertain to Florida XXXX XXXX XXXX.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am formally requesting the removal of the bankruptcy notation from my account. I have already initiated contact with the court, and they have clarified that the bankruptcy information in question was not disseminated to the creditors and was acquired by a third party. I kindly request your assistance in rectifying this matter promptly.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: After checking my credit report with XXXX, XXXX and XXXX I noticed that, LexisNexis a company I had no ideal about, has been reporting inaccurate information to the Bureaus regarding XXXX XXXX XXXX XXXX Bankruptcy and a few other incorrect information such as the spelling of my name, address etc.. I disputed this information. On XXXX XXXX LexisNexis sent me a notification stating that the information is unverifiable or accurate. The dispute notification does no provided in detail what information was investigated. On XX/XX/2023 I opt-out the sharing of my information. XX/XX/2023 I received a update regarding reinvestigation, again LexisNexis states all information has been verified. XX/XX/2023 I disputed the inaccurate information on my Credit Report again, I also reached out to XXXX and the Federal Court regarding the Bankruptcy. The letters from the courts has been provided to LexisNexis, no response. LexisNexis has violated my privacy right and inaccurately gathered my personal information and sold to the Bureau for there own personal gain even after I Opted-out of sharing. I have contacted LexisNexis several time about this matter and was told that, XXXX XXXX has the option to decide what consumer information is permissible to sale/share without the consumer consent. The inaccurate reporting has cause a great amount of suffering for me and my family. I request this inaccurate reporting by LexisNexis be removed ASAP. Thank you
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: i have received my disclosure from LexisNexis and XXXX, XXXX said it comes back verified as accurate when the issue is LexisNexis doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ LexisNexis/ XXXX and they all said they cant verify the information as none of them share with XXXX parties so XXXX lied.
Company Response:
State: UT
Zip: 84404
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: TX
Zip: 75662
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: TX
Zip: 75662
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Pursuant to the FAIR CREDIT REPORTING ACT [ 15 USC 1681S-2 ] it is PROHIBITED for a financial institution to furnish Negative Information about a consumer to a consumer reporting agency without providing such notice in WRITING to a consumer of such furnishing of Negative Information 30 days prior or after furnishing Negative Information to a consumer reporting agency. I swear under the penalty of perjury that I have never received the required notice in WRITING from the financial institutions that are furnishing Negative Information about me to consumer reporting agencies. The consumer reporting agencies ( XXXX AND XXXX ) are furnishing this Negative Information on my credit report and have responded to me and stated the information has been Verified when I sent in a dispute letter notifying them of the violation of my consumer rights. A consumer reporting agency could not have used reasonable procedures to ensure maximum possible accuracy of the information they are furnishing about me and VERIFY information that has been illegally furnished to them about me. According to the FCRA this action falls under [ 15 USC 1681n ] or [ 15 USC 1681o ] and it is damaging to me. My request as a consumer exercising my consumer rights has been to DELETE all the negative information from my consumer report and to UPDATE all Late Payments to PAANL : PAID AS AGREED NEVER LATE.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A