Date Received: 2023-10-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On or before XX/XX/2023 a Certified Mailed was sent to LexisNexi, a request of proof of copy, signed documents related to Bankruptcy on my credit report. As of time LexisNexis unable to provide substantiation; Failed to provide signed documentation of the said Bankruptcy. Failed to provide a copy of bankruptcy petition filed with the court. Failed to provide proof of filing document, such as stamped document.
Company Response:
State: CA
Zip: 95336
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please be advised XXXX, XXXX, XXXX are refusing to remove my Bankruptcy and old addresses, phone and old employer information from my credit file. The information was provided by Lexis Nexis and the bankruptcy on my credit report has not been verified by me nor has it been permitted by me nor does it has a signature by me to be placed on their platform. I wish to have my Bankruptcy removed from all three credit bureaus starting with XXXX. Thank you XXXX XXXX
Company Response:
State: NC
Zip: 28112
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it's actually you who are the actual furnisher and this account is reporting inaccurately. Therefore 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 should be removed from my credit report entirely for false reporting!!
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX 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 any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL 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 Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Company Response:
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: This communication is in reference to my LexisNexis Accurint Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified as incorrect on my LexisNexis Accurint Report. The item in dispute is the Incorrect Possible Properties Owned by Subject that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # XXXX ). This is my fourth notice to LexisNexis regarding the Incorrect Possible Properties Owned by Subject that LexisNexis continues to erroneously report on my LexisNexis Accurint Report. This information is incorrect because I do NOT, and NEVER have had, any ownership interest in XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. Enclosed is a printout of the public record information regarding the property from the XXXX XXXX, Illinois Clerks Parcel Information Look-up website that supports that I do NOT, and NEVER have had, any ownership interest in XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX See attached Supporting Document # XXXX ). I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer 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 any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL 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 Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Under false pretense, LexisNexis is reporting a Bankruptcy on my credit report. They have listed the Creditor / Institution as XXXX XXXX XXXX XXXX XXXX. After contacting the XXXX XXXX XXXX XXXX XXXX, I was informed that they are not the Creditors and they do not report to any third party reporting agencies nor converse with any third party reporting agencies. They also stated that the information reported comes from a XXXX XXXX XXXX XXXX XXXX XXXX ( PACER ). I received a letter from PACER also, that states PACER does not contact consumer reporting and credit reporting agencies.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: After reviewing my Lexisnexus consumer report I noticed a lot of name and address inaccuracies. There are names and addresses that dont identify as me and I never been associated with.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX reported a car accident on XXXX that I wasnt involved in to Lexis Nexis, raising my premium. Im not, and never have been a client of XXXX. I disputed the report and they said the data was correct. There doesnt seem to be any other recourse than that dispute, and Im waiting to hear back from XXXX to see if they can help me fix their mistake.
Company Response:
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis regarding inaccurate and unauthorized information that has been reported on my consumer report. I believe that this inaccurate reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request your intervention in resolving this matter promptly. The inaccurate information in question is detailed in my dispute letter sent to LexisNexis on XX/XX/2023, regarding Report Number XXXX. Despite my efforts to rectify these inaccuracies directly with LexisNexis, no resolution has been reached, and my consumer rights continue to be violated. The disputed items include : Identification Records ( XXXX XXXX XXXXXXXX ) Multiple names associated with my LexID without my authorization. Section 2 - Address Characteristics Records Unauthorized address variations reported on my consumer report. Section 5 - Online Marketing Records Records reported without my express permission, violating my right to privacy. Section 8 - Insurance Policy Records Insurance policy records reported without my written consent. Section 9 - Department of Driver Services Records Driver services records reported without my written authorization.
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A