Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: To Whom It May Concern, I am writing this to file a formal complaint against the company named Lexis Nexis regarding the unauthorized disclosure and distribution of my personal information without my consent. I request your immediate attention and swift action to rectify this matter. On XX/XX/2023 Lexis Nexis shared my information with XXXX XXXX XXXX XXXX when I did NOT sign any form of documentation to release my information with anybody. So what I want CFPB to do about this is First conduct a thorough investigation into the unauthorized disclosure of my information Secondly, I want y'all to ensure that Lexis Nexis takes immediate steps to cease the distribution of my personal information third, advise me what I need to do in order to protect identity and mitigate any potential harm resulting from this unauthorized disclosure. Lastly, I want a full report of this investigation 's findings, including actions taken against Lexis Nexis and their compliance with relevant consumer protection laws and regulations Thank you XXXX XXXX
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Identity theft protection or other monitoring services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Contacted consumerrisklexisnexis.com requesting credit freeze at XXXX XXXX XXXX. First contact with female requesting drivers license in addition to social security number, refused to place credit freeze related to fraud and inaccurate information. Second call placed were upon I had to recite the Fair Credit Reporting Act reminding the male customer service person that the social is the identifier. This cs person also requesting drivers license information!! lol. Requested repeated requests to verify address and reported he was going to mail out the report to the non mailing address!! In addition to this, the prior cases I reported have a XXXX smell which is really criminal including theft of large amounts of monies, properties and assets. That case should NOT be closed, it should have been investigated, hence I am writing another request since I have soooooo much free time on my hands. ( no, in actuality I don't however, my sarcasm gets the best of me from time to time ) Its pathetic to me that this has not been addressed appropiately and that the people I have spoken to are incompetent XXXX Sincerely XXXX XXXX
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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 XXXXXXXX XXXX XXXXXXXX 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: 53214
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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: 53218
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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 XXXX 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 XXXX and XXXX XXXX as of now. Please remove ASAP Upon speaking to the XXXX XXXX, they do NOT furnisher people 's information to XXXX XXXX so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my XXXX. I can't provide a good life for my children due to these falsified damages from the XXXX. I am XXXX!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing XXXX against this.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Cease and desist, Late Payment Reporting Full Name XXXX XXXX XXXX Dear { Creditor 's & Credit Bureaus } This letter is your formal notice to cease your unauthorized delinquent payments into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made reports : Official notice of credit correction it has come to my attention Through analysis of my credit profile. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I am sure you will agree that verifying your information is in your best interest. Sincerely, To whom it may concern : Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed, and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period, all collection activities must be stopped. If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure me that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. Three major Credit Bureau is removing these accounts. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ Respectfully, _____XXXX XXXX____________________________ First Middle : Last Attorney in Fact
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: LexisNexis continues to slander my character. The have failed to provide a fair and accurate credit report. I have contacted LexisNexis numerous times disputing the inaccurate information they are sharing. Not only did they failed to properly reinvestigate. They do not have permissible purpose no consent was given. I asked them to provide with the documentation showing I gave consent. I asked for procedure of reinvestigation. See the attached for me details and numerous inaccuracies and FCRA violations.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
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: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I have been dealing with LexisNexis since XXXX, thought information was already corrected but it was not. Have been dealing with them for months and get mixed responses. Sometimes, they say they can not " authenticate me '' and want me to provide additional information that I believe they have no authority to ask for like, passport copy, driver 's license, notarized documents, bank, bills. They do have my Social Security, my birthday, my wife information ( she appears in my report but I am not in her, as if she were single ) marriage entries are four when I only been married in my life once and I am XXXX XXXX XXXX. Car information, email addresses from companies that do not serve the area. My cell phone and my wife is in my report. They do not remove my wife 's phone yet is in my wife report too in addition to my land phone. It is a burthen trying to correct information when contacting their sources because they do not respond or no longer in business ( outdated information ) like XXXX XXXX went out of business but yet it shows they have an interest in my wife car. LexisNexis is providing incorrect information that cost in insurance premiums and provides a wrong/incorrect value as to the risk and value on my " persona '' It is very difficult and costly to deal with them they do not verify the information they impute as yours. My name and my address : XXXX now the started spelling as : XXXX in my address, with my middle name and first name. With this pretext they request me to provide more information. At the same time when they at some point say they can not authenticate me, they go to XXXX, XXXX, and XXXX and they access my file with no problem at all.
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 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: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A