Date Received: 2023-10-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Company Response:
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A few months ago i noticed that i had a bankruptcy reporting on my credit report. I did some investigation and found out that my mother had filed for bankruptcy. I disputed the bankruptcy with all 3 bureaus and only 1 bureau took it off. XXXX and XXXX did not remove it.
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act, specifically section 602 of the United States Code Title 15, emphasizes the importance of consumer reporting agencies conducting their duties in a fair, unbiased, and privacy-conscious manner. This legislation recognizes the significance of safeguarding consumers ' rights and underscores the need for responsible practices within the industry. XXXX XXXX XXXX, who is the parent company to LEXISNEXIS whos a consumer reporting agency, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It operates under the Commission File Number : XXXX. As per the provisions outlined in the United States Code, specifically 15 USC 6801, individuals possess the lawful entitlement to safeguard their personal information from being disclosed. This statute establishes a clear directive for financial institutions, emphasizing their inherent responsibility to consistently uphold customer privacy, while simultaneously ensuring the security and confidentiality of any nonpublic personal data entrusted to them. A financial institution, known as a furnisher of information to credit agencies, is an entity that plays a crucial role in the financial ecosystem. According to Section 604 ( a ) ( 2 ) of the United States Code, specifically under Title 15, it is stated that " In general Consumer reporting agencies are permitted to provide consumer reports only under specific circumstances, as outlined in subsection ( c ). These circumstances are limited to situations where the agency has received written instructions from the consumer to whom the report pertains. The financial institution responsible for providing information to credit agencies, namely XXXX XXXX XXXX, XXXX LEXISNEXIS, lacks my consent to furnish this information. Furthermore, it is important to note that they do not possess my written consent either. I, XXXX XXXX the consumer hereby revokes any and all forms of consent granted to XXXX XXXX XXXX, XXXX LEXISNEXIS, which is recognized as furnishing information to credit agencies. This revocation encompasses consent given through verbal, non-verbal, written, implied, or any other means. According to the United States Code, specifically 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from sharing nonpublic personal information with nonaffiliated third parties unless certain conditions are met. One such condition is that the consumer must be provided with an explanation of how they can exercise their right to keep their information private. A provider of crucial information to credit agencies. The user expresses dissatisfaction with the lack of information provided regarding their right to exercise their nondisclosure option. In addition to that, According to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including specific types of information in consumer reports, unless authorized under subsection ( b ). This provision aims to regulate the content of consumer reports and ensure the protection of consumer information. In addition to criminal convictions that occurred more than seven years prior to the report, are there any other negative pieces of information that should be considered? This account has been flagged as an adverse item, being reported without the user 's consent, which is in violation of legal regulations. The provision referenced is Section 1681s-2 ( A ) ( 1 ) of Title 15 of the United States Code . This particular section pertains to the responsibilities of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act ( FCRA ). It outlines the duty of these furnishers to According to State A 's regulations, it is prohibited for any individual to provide consumer-related information to a consumer reporting agency if they possess knowledge or reasonable grounds to suspect that the information in question is inaccurate. According to the United States Code, specifically 15 U.S. Code 1681e, it is mandated that consumer reporting agencies must establish and uphold reasonable procedures. These procedures are intended to prevent any violations of section 1681c and to restrict the provision of consumer reports solely for the purposes outlined in section 1681b. XXXX XXXX XXXX, XXXX LEXISNEXIS, a major credit reporting agency, have come under scrutiny for their alleged failure to uphold adequate procedures. In addition, According to the Code of Federal Regulations, specifically 12 CFR 1016.7, consumers possess the ability to exercise their right to opt out at any given moment. I, XXXX XXXX has made the decision to opt out of the reporting services provided by XXXX XXXX XXXX, XXXX LEXISNEXIS.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LexisNexis refuses to comply with a subpoena for records XXXX thru the present.
Company Response:
State: UT
Zip: 84095
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXXXXXX XXXX, XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: See XXXX. XXXX stated to the CFPB that they would send my credit profile, but not surprisingly, have failed to provide the same.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: MY INFO WAS STOLEN AND CREDIT CARDS CHARGED.
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: There are three public records that range from XXXX to XXXX the Company Lexus nexus is providing for a credit reporting agency. The company says that they contacted me about the situation and they have not. They are saying they got with XXXX Bankruptcy Court on the issue and they did not, the court said they are not responsible for the the information on my report and if there is an issue, the issue should be addressed through court with a motion if the public records are disputed as in accurate. My letter from them states they provided no information to be reported by credit agencies and lexis nexus is saying they did. So I ask that Lexis nexis validate the information they are providing to the reporting agencies and send me the information the court actually provided for them instead of looking at public records as they want be corrected until a motion is filed, per the letter attached.
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I attempted to send a certified letter to credit bureau and was advised that my dispute for remove was denied due to verification company that was used without my consent to send or receive any information or list to my credit profile. I requested item to be deleted and credit bureau declined my request. This is a violation to consumer reporting and I have been greatly placed at a disadvantage due to based on incorrect facts placed to my credit report.
Company Response:
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A