Date Received: 2023-09-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Lexisnexis consistently causes emotional damage to me as a consumer. Not only is LexisNexis erroneously reporting an alleged bankruptcy on my consumer disclosure theyre very inconsistent with facts of their business investigation. Not only have I called LexisNexis after submitting my dispute, I have uploaded the documents requested through their consumer portal. I called on XXXX XXXX and authenticated myself 3/4 times with LexisNexis representatives and was told I didnt need to send any documents in to authenticate myself because they had already authenticated me over the phone. I then uploaded the documents they requested through the online portal which I have attached to this complaint. LexisNexis continues to prove that their investigation of my dispute is incomplete and unverifiable because their efforts to be thorough are unreliable. If LexisNexis cant verify myself as the consumer then how they verifying information that allegedly belongs inside my consumer file? Lastly, I have a right to privacy and I didnt give written permission to LexisNexis to furnish the inaccurate, unverifiable and incomplete information theyre reporting. There are inaccurate names, addresses, phone numbers and public records being reported that dont belong to me and I am forced to engage in arbitration and legal actions against the company.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: LEXIS NEXIS AND OTHER REPORTING AGENCIES ARE BUYING AND SELLING INFORMATION EVEN IF ITS WRONG ON BEHALF OF THE AMERICAN PEOPLE. THEY STATED THAT I BELIEVE THAT FCRA AND FDCRP REFER TO THEM. I SIMPLY TOLD THEM THAT THEY ARE DOING IN INJUSTICE TO MYSELF AND THE PEOPLE, TRYING TO AVOID LAWS BOTH WORLDLY AND MORALLY AND MAKING MONEY OFF BUYING, SELLING AND REPORTING INFORMATION ON THE CITIZENS INCLUDING MYSELF. THEY COULDNT EVEN GET MY NAME RIGHT ON THIS REPORT THAT THEY COMPLIED SO WHY WOULD ANY BUSINESS WANT TO BUY ANY INFORMATION FROM THEM UNTIL THE INTENTION IS TO DESTROY THE PEOPLE. I TOLD THEM THIS IS IDENTITY THEFT AND FRAUD, BIG BUSINESS FEELS AS THOUGH THEY HAVE TO NOT FOLLOW WORLDLY AND MORAL LAWS AND PROTECT THE CITIZENS AGAINST INACCURATE INFORMATION, THEY FEEL LIKE THEY DONT HAVE TO VERIFY AN ACCOUNT, NAME, ADDRESS ETC WITH THE CITIZENS, THEY FEEL LIKE I DONT HAVE TO BE COMPENSATED FOR THE PAIN AND SUFFERING THIS FALSE INFORMATION AND REPORTING HAS CAUSED MY YOUNG FAMILY, THEY FEEL LIKE THEY DONT HAVE TO COMPENSATE THE PEOPLE WHEN THY ARE ILLEGALLY BUYING AND SELLING INFORMATION RATHER TRUE OR NOT AND PROFITING, THEY FEEL AS IF THEY ARE UNTOUCHABLE, BUT XXXX DONT BLESS NO MESS! THE TWO BANKRUPTCIES THAT ARE REPORTING ARE NOT MINE AND THEY KNOW IT BECAUSE RATHER PACER IS PUBLIC RECORD OR NOT THEY NEVER VERIFIED IT WITH THE SOURCE! IT HAS TO BE SOME TYPE OF MORALS AND STANDARDS WITH REGARDS TO PROTECTING THE AMERICAN PEOPLE ESPECIALLY XXXX PEOPLE WHO BUILT THIS COUNTRY YET WE ARE ATTACKED EVERY WHICH WAY. LEXIS NEXIS FEELS LIKE THEY ARE IN THE RIGHT, THEY ARE WRONG! SO WHO MAKES THEM FOLLOW LAWS AND PROTECT THE PEOPLE SINCE THEY ARE NOT GOING TO STOP ILLEGALLY WITHOUT PERMISSION COMPILING INFORMATION ON PEOPLE AND PROFITING OFF IT? THIS BEHAVIOR IS RECKLESS AND SHOULD BE DEEEMED IDENTITY THEFY AND FRAUD! PLEASE STOP ALLOWING THEM TO GIVE GENERIC RESPONSES AND ALLOWING THEM TO REMAIN RECKLESS TOWARDS ME AND CITIZENS. IF THEY WANT MONEY THEY NEED TO WORK HARD EVERYDAY LIKE THE REST OF US AND STOP GETTING PAID OFF THE SUFFERING OF THE PEOPLE! THEY SHOULD BE ASHAMED.
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Lexisnexis continues to commit securities fraud by continuing to report false information and trading this information with no consent to all three bureaus. They have been asked to freeze account. They are reporting on background false information allegations. There was also an identity Theft report provided to them. So moving forward i will be reporting them to the I.R.S. and since securities fraud may be taking place here i will go through the proper channels.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: On XX/XX/2022, my parked car was hit by a person in a hit and run. I filed the police report and submitted my claim to insurance as a hit and run victim. My wife is trying to get insurance and add me to her policy, but when the insurance company checked my background via the LexisNexis database, it states that the accident was my fault and I received XXXX points on my license because I was at fault. I contacted both my insurance company and the reporting police department and confirmed that I was not at fault and I received no points for it.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXXXXXX XXXX XXXX XXXXXXXX still active according to XXXX employment data report and address is wrong, bridge employment never work for them and address is wrong, XXXX XXXX XXXX address is wrong pay wrong, XXXX XXXX linked to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX be XXXXXXXX XXXX XXXX their address listed is wrong, CXXXX XXXX XXXX is wrong, it should be XXXX XXXX XXXX theyve switched their address since wrongfully terminated me 4 different times and linked to the employers benefit XXXX absentee insurance is the following fraud companies linked to my identity that I have no knowledge of, never repped no benefits or financial gain from doing illegal business practices and trades with XXXX XXXX XXXX XXXX XXXX XXXX XXXX-unauthorized security used by commercial company they refuse to remove done without my consent or knowledge, XXXX XXXX, XXXX XXXX XXXX employer code XXXX XXXXXXXX, Benefit Agent,, the pay period is wrong for XXXX the pay hourly is wrong changed without consent in XXXX no knowledge of it, modified state and federal W4, H1-B used and Im an American citizen using compromise company i closed in XXXX due to security breaches- XXXX XXXXXXXX XXXX XXXX XXXX made fraudulently, XXXX- ACTIVE NOW -FRAUD- MADE FRAUDULENTLY, using closed or inactive government contractors under false active names, Details Back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Cancelled Without Replacement Type Non-Manufacturer Established XX/XX/XXXXXXXX XXXX Update Date XX/XX/XXXX XXXX Expiration XX/XX/XXXXXXXX XXXXXXXX Expiration Contact Information XXXX XXXX XXXX Phone XXXX Fax XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX UNITED STATES XXXX XXXX XXXX Corporate URL Ownership of Offeror Information Highest Level Owner Information not Available Immediate Level Owner Information not Available List of Offerors ( 0 ) Information not Available Additional Information XXXX XXXXXXXX been requested to close still active The XXXX XXXX XXXX has been told to me 6 times its removed deactivated but never done, even the branch manager was upset they said I need a cell phone to order one and being that I just got a phone and the {$25.00} was never taken from my account is proof of fraud Im ineligible to buy one without a cellphone for verification, Im being transferred to only XXXX People who has asked questions Ive never been asked before and now my password and everything was changed XXXX XXXX XXXX AND XXXX GOT HANDWRITTEN LETTERS FROM ME WITH REQUESTS OF FRAUD ALERTS, DISPUTES, PROOF OF FRAUD, PROOF OF IDENTITY CHANGE, proof of address using XXXX XXXX XXXX, copy of my kids report cards, demographics from school, a copy of my lease, copy of W2, copy of drivers license all three of our birth certificates and social security numbers, IVE done this min. 10 times within 8 years and I never get a response!!! Address changes without consent, when i change our address its changed to something fraudulently, XXXX REFUSE TO REMOVE MIDDLE NAME, MEDICAL BILLS BELONGING TO OTHER PEOPLE, MAIL WITH OFHER PPL NAMES ON it, XXXX CARDS NEVER SHOW UP- put XXXX and XXXX XXXX on three way they systems have two different things they both dont know why, XXXX NEVER REMOVED FRAUD NUMBER IN PERSONAL STATEMENT AFTER I SENT WHAT TO PUT IN XXXX NEVER GAVE MG SETTLEMENT FOR OUT OF PAOCKETS EXPENSES DUE TO THEIR DATABREAXHES
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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: TX
Zip: 798XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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: TX
Zip: 79928
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I was given a higher undesirable XXXX XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a XXXX XXXX XXXX Report to XXXX XXXX XXXX that caused the high rate quote. LexisNexis has no way to get the report on the Internet stating to call them at XXXX XXXX XXXX Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis. LexisNexis lied to Federal CFPB and said they did not know me in a response in Case # XXXX and the employee ( name and phone number hidden ) at CFPB closed my case even thou I was given no opportunity to respond to the LexisNexis lies XXXX Likewise at LexisNexis, no name or contact information to the cubical, or even direct e-mail address, was given in the response given to CFPB by the LexisNexis respondent. Since the unknow employee at CFPB closed my case recklessly and prematurely I have no choice but to file another case in the hope that a different and more competent employee who does not hide their name and contact phone number to their office cubicle will get me my negative credit reports that LexisNexis gave to XXXX XXXX XXXX on XX/XX/XXXX and again XX/XX/2023. Once again, and XXXX XXXX at CFPB closed my case with no resolve. I do hope I am not using too big of words that CFPB Employees will not understand.
Company Response:
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Lexis Nexis provided a consumer report containing false information [ allegedly, I had a at fault accident in XXXX ] pertaining to me to XXXX XXXX XXXX XXXX. In turn, the insurance company used the false information to raised the premium of an insurance policy. I contacted Lexis Nexis and told it that the information provided to XXXX XXXX XXXX XXXX was false and demanded the removal. Lexis Nexis claimed that it could not verify my identity and refused to provide me a copy of the consumer report ; and, refused to remove the false information.
Company Response:
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: On XX/XX/XXXX both my husband and I requested our annual free copies of our LexisNexis Consumer Disclosure. After receiving a letter in the mail with a URL and PIN to receive my report, I followed the directions to download my report and received a " File Not Found '' error. When we received the letter for my husband 's report, the same issue occurred. I attempted to call LexisNexis via their posted phone number however there is no option to speak to a person even though it was during their posted business hours. I sent an email to XXXX explaining my issue. On XX/XX/XXXX, we received another set of letters with new URLs and PINs to receive our reports and followed the instruction again. This time we are receiving an " Invalid Pin '' message asking us to call the number I called before that does not have a way to talk to a live person. Once again, it applies to both reports. There does not seem to be a way to speak to someone to gain access to our free annual report.
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A