Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX XXXX 's mandatory insurance dept 's ENDORSEMENT paperwork said to contact XXXX XXXX. We did and XXXX XXXX REPEATEDLY refused to come to the phone, per his assistant " XXXX ''. The cruelty of having to pay for XXXX XXXX at high rates and not having any claims rep caused endless suffering still today. Today, the hot water heater will be replaced for the XXXX time since superstorm XXXX. Per XXXX REQUIREMENTS, the hot water heater and it's housing should have been the first thing repaired and elevated. IT HAS NEVER HAPPENED AND INSTEAD WE ARE FORCED WITH TOTAL ECONOMIC LOSS BY CONSTANT REPAIRS AND REPLACEMENTS AND UNSAFE LIVING CONDITIONS. XXXX XXXX XXXX 'S CRUELTY HAS CAUSED XXXX XXXX XXXX TO HOMEOWNERS THAT IS NEVER ENDING.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-01-16
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: why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/2024. per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose. XXXX XXXX sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party. 15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. XXXX sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: It is a violation of the Fair Credit Reporting Act to report false information. You can clearly see that the Bankruptcy filed with LexisNexis is inaccurate. One line said that I filed in PRO SE and the next line said I had an attorney. You can not do both. In accordance with the Fair Credit Report Act. The following account below has violated my Federally Protected Consumer Right, both privacy and confidentially under U.S.C. 1681. The account is as follows : XXXX US BKPT CT XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX credit reporting agency. U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. LexisNexis has continued to circumvent the law for years and continues to do so. NO MORE!! Attached is a copy of my LexisNexis report containing the about mentioned Bankruptcy as you can see the information is incorrect and has been for more than nine years. Moreover, I have been in contact with LexisNexis and deleting this information. Please see the NexisLexis report dated XX/XX/2023, the information is obviously problematic and very wrong and can not be reported with false or incorrect information. According to that document the case had a petitioner as XXXX XXXX XXXX filing in PRO SE ( no attorney on record ) as an individual and the Primary Debtor. The second line it states that Petitioner Represented Attorney. It can not be both. As you can see the information in this document is incorrect. ( See page 49 & 50 on NexisLexis report ) NexisLexis got it wrong as you can see and have not taken action and deleting that information off my report. Please follow the law below : ALL REPORTED DATA MUST BE COMPLETE, CORRECT AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME, PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN HAVE WILLINGNESS TO ABSOULTELY VERIFY AND VIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT. NOTE THE UNWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE VERY AND ONE EVEN EACH ANY OR ALL DATA, NOTIONS, DATES, BALANCES, CALCULATION, AUDITS, ACCOUNTING REORDS, REQUISITE 426-CHARACTER FORMATE FIELDED P6 STATEMENT ( S ), MANADTED 386 PARCELS OF CONFIRMATION NECSSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT LLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFERS, THE ALPHA-/NUMERIC-/AND OR ALPHA-NUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY AND ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAINED WITAL. This information must be deleted immediately. If you do not take action instantaneously, I am prepared to sue you right away. I have tried multiple times to get resolve and you persist on doing the wrong thing.
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/23, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681. section 603 ( 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 that consumer reported on or with others that 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 consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. - According to, U.S.C. 1681 section 602 A. states I have the rights to privacy. - According to, U.S.C. 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction - According to, 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 has reasonable cause to believe that the information is inaccurate.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I believe that LexisNexis Consumer Center has incorrect information about my driving record, as a result, all insurance agents have raised my rates. Previously in XXXX and XXXX, I was with XXXX insurance. During those years, I was involved in 2 accidents on XX/XX/XXXX and XX/XX/XXXX. Both were not my fault, yet somehow they were registered with LexisNexis as my fault. I did not receive my consumer report yet, but I know they have the incorrect information because I verified with XXXX recently that these accidents were not my fault ( letters are attached ). Moreover, I tried to get an insurance quote and all of them say that I have at-fault accidents in my name for the dates listed above ( example quote is attached ). I believe LexisNexis has the wrong information, and as a result, I can not find affordable car insurance. Please help me correct this record. All of my attempts to contact LexisNexis has just led to forums telling me to report any grievances to the CFPB. Even XXXX, which has on record stated that these accidents are not my fault, are charging me AS IF THESE ACCIDENTS WERE MY FAULT, and this is all because they are getting this information from LexisNexis.
Company Response:
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX, I, XXXX XXXX XXXX, sent Lexis Nexis a Cease and Desist. They responded by asking for more information about me. As though the information sent wasn't enough. If they have enough information about me to tarnish my reputation and adversely taint my credit worthiness, then there wasn't a need for me to send more information. Lexis Nexis continues to violate my constitutional rights to privacy but also my consumer rights to privacy. The Bankruptcy court DOES NOT report nor communicate with ANY credit reporting agency. Therefore, Lexis Nexis is taking this responsibility without my consent or the decision from a court. Lexis Nexis was not a party within the reported case, therefore everything they are reporting is HEARSAY! They are not a witness to anything they are reporting.
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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. 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: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: It has come to my attention that since XXXX of XXXX, Lexis Nexis furnished information regarding a bankruptcy record on my consumer report & is in direct contravention of the Consumer Right to Privacy as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose. The Congress emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and a profound respect for the consumers right to privacy. Failure to comply with the aforementioned statute exposes your agency to potential legal action. According to 15 U.S. Code 1681n, any willful noncompliance may result in civil liability. I want to emphasize that I am prepared to pursue legal recourse in small claims court in my city and state should the bankruptcy record not be promptly deleted from my consumer report.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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 am requesting you again to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A