Date Received: 2023-10-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Company Response:
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The company is reporting incorrect information regarding my file. I have attempted numerous times to get the information corrected, and I am unable to reach anyone in the XXXX XXXX The representatives have stated that they would have a supervisor or XXXX call me back within XXXX hours and I have put XXXX different request in and no one has contacted me back. I have an escalated issue and I want someone within a leadership team and someone in the United States to return my phone call to get this issue resolved because it is having a negative impact regarding negative information contained in this report. I have been a victim of identity theft in the past, and this issue is still not corrected within the database of XXXX XXXX, as well as SageStream.. I have an alert on my credit file which is doing no good. I am also following this complaint with the consumer financial protection bureau, as well as the Better Business Bureau. The issue of this not getting resolved, has had a negative impact on my credit rating as well as caused me financial hardship with terms that are not favorable to my correct credit rating. My insurance rates have went up on my vehicle due to incorrect information being reported inside these reports. I can be reached at area code XXXX. I want a correction to my credit report. I want a correction to my Lexis Nexis report and I want a permanent fix to the situation..
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to request the immediate removal of my bankruptcy from my consumer report. After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on XX/XX/, is still being reported. Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged on XX/XX/XXXX XXXX is no longer current and therefore must be removed. I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. I demand that this error be rectified immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written confirmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. I trust that you will take this matter seriously and resolve it immediately.
Company Response:
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX DEPT OF ED/XXXX Account number XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am reaching out because there is a ticket on my Lexus Nexus report that needs to be disputed and removed. I was just informed by my insurance company today, XX/XX/XXXX, that there was a ticket, private ticket on private property reported to my report with Lexus Nexus, for XX/XX/XXXX. I was never informed there was a ticket by Lexus Nexus, I was never ticketed on public or private property, and this is inaccurate information. Regarding XXXX. I am highly upset with them because they never informed me that they were raising my rates and they did this last month. I initially thought this was a late fee, but I called and they told me they raised my rates about a ticket that should have never been reported and is inaccurate in the first place. I was never informed by XXXX that they were raising my rates or anything. I am very dissatisfied by this. I feel like my rights as a consumer were violated.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/ Reference # : XXXX should be removed from my credit report entirely!!
Company Response:
State: CA
Zip: 95138
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: according to virginia code 15.2-968.1 this shall not be used for insurance purpose in the provision of motor vehicle insurance coverage. went to the city clerk off in XXXX, va and they have not reported nor is it on my DMV driving record
Company Response:
State: VA
Zip: 23607
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, XXXX XXXX LexisNexis Consumer Center XXXX XXXX XXXX XXXX XXXX Request for Validation of Bankruptcy Entry on Credit Report from XXXX XXXX XXXX LexisNexis Consumer Center , I hope this letter finds you well . This is a notice that XXXX. XXXX is a government contracted corporation purchasing consumer using information from government contracted databases judicial, police, collegiate and any government entity you can think of XXXX XXXX XXXX has access to the information through government contracts and XXXX XXXX XXXX is trading this consumer information on the XXXX XXXX XXXX. XXXX XXXX XXXX does not have permission to have access to my social security number nor any of my information and is improperly validating entries on my credit report in violation of the Fair Debt Practices Act of 1970 and violations of 15 USC Section 168. This is also a violation of the SEC by selling personal information on the NY XXXX XXXX and also being a verification for the credit reporting agency through their company LEXIS NEXIS is a conflict of personal interest. I am writing to request the validation of a bankruptcy and asking for the validation to be under oath from the court official or this is improper use of my credit report by entry that appears on my credit report. According to my credit report, there is a bankruptcy entry listed under my name and Social Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX I am requesting validation of this bankruptcy entry to ensure the accuracy of the information being reported on my credit file. It is crucial to me that the information on my credit report is correct, as it can significantly impact my financial opportunities and creditworthiness. According to the Bankruptcy Court they do not report to credit reporting agencies and non-credit transaction which you are a non-credit agency. I have not granted your agency permissible purposes to report defaming information to my credit report according to the FCRA 12 CFR 1022 and Federal Regulations 79308. I am under duress to provide validation of my identity to a company who is stealing my personal information. I have a right to dispute inaccurate unverifiable information and access to my file is limited without proper authorization and validation that I gave you permission or you validated with the court using proper disclosure documents signed by me according to15 USC 1681b. Please provide me with the following information : Verification that the bankruptcy entry is accurate and belongs to me in accordance with 15 USC 1681b with proper wet ink validation documents and affidavits under oath of who provided your corporation with the documents and your validation procedure including the chain of command of who you spoke with and whom provided documents under oath of who provided your company with an investigative report relevant documents associated with this bankruptcy filing. The name and contact information of the reporting creditor or entity that provided this information to LexisNexis. I understand that you are required by law to investigate this matter and provide a response within 30 days of receiving this request, as per the Fair Credit Reporting Act ( FCRA ). Please send the requested information to the address listed above. If, after your investigation, you find that the bankruptcy entry is inaccurate, I request that it be promptly corrected or removed from my credit report. Additionally, if you are unable to verify the accuracy of this entry, I ask that it be deleted from my credit file. Thank you for your prompt attention to this matter. I look forward to receiving your response within the legally mandated timeframe. Should you not conduct a thorough investigation or use a system such as E-Oscar and not a in person investigation. I will be filing a complaint with the SEC and other federal regulatory because XXXX XXXX XXXX as LexisNexis is securitizing Consumer information for a new issue and selling personal information on the secondary market for substantial profits which is a criminal violation of identity theft and I will report it to the FTC and the Federal Ombudsman for a thorough investigation. XXXX XXXX. I do not trust XXXX, XXXX nor LEXIS NEXIS. They are a criminal enterprise.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A