Date Received: 2024-01-09
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I requested all sub-reporting agencies freeze my information as I am a victim of Identity theft. They have not done so, I sent all required documentation, proof of address, Drivers license, FTC report, etc.
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: nefarious company called lexisnexis risk solutions, XXXX XXXX XXXX XXXX XXXXXXXX, never heard of them, I did not authorize this phony data broker to collect information on me, or masquerade as a credit bureau, there website says insurance and criminal investigations, WHY would I give these clowns my personal information so they can surreptitiously open there own file or account using my name? HOW illegal and stupid is that? This name popped up from XXXX XXXX denial letter? I want any/all information deleted, I never gave these conniving data brokers my permission to XXXX open any phony nefarious file on me/ Nobody has heard of them? WHY is that????????
Company Response:
State: CA
Zip: 95209
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Reporting to my insurance that I have 2 comprehensive claims on the same date XX/XX/22. This did not happen. I have spoken with XXXX and XXXX and they say that this is causing my rates to be increased. I DID NOT have any incidents. I used my free windshield repair because that is what I was advised to do. I was not in an accident nor was it an incident and should not be reporting as such.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any items featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I received an adverse letter due to information this company I never heard about provided to XXXX XXXX. This company provided my information without my consent. This company refuses to provide my credit report when requested. I have sent several requests for my report, uploaded documents to obtain a credit freeze until I can review. They have not properly placed a credit freeze on my file for review even after providing requested documentation. I keep getting letters saying I have to provide docs to verify my identity, I have done so. I had to provide when I placed the credit freeze on my file. This company refuses to disclose my report to me which is against the Fair Credit Reporting Act. They are unknown, no one knows about this company, who they are, when they were established, where are they located. They are operatig in secret. They are providing my information without my permission.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Received adverse letter. Submitted for copy of credit report as required by law. Each time requested, sent letter saying they didn't receive information. I did not authorize this company to provide my information to anyone or any company. This company sends our credit report out with erroneous information on it and refuses to provide us a copy of the report. We have no way to review and/or dispute bad information. I Uploaded docs verifying my identity and still received the letter saying can not be verified. 60 minute plus hold to speak to this company. Went on website and requested again for my credit report, they send email saying request received and nothing. This has been ongoing since XX/XX/2023. They have to provide a copy of my credit file to allow me the chance to review and correct anything not correct to be in compliance with the Fair Credit Reporting Act. They are not. I have been given the run around even after submitting documents as required. No other credit bureau requires any documents to request a copy of the credit file that belongs to me. That is my right to receive it. I have ever heard of this company until XX/XX/2023 and received an adverse report. I want my credit report. The bureaucratic red tape by this conglomerate that holds my personal information is not operating within the guides of the FCRA.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lexis nexis are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the XXXX court of XXXX, ga, which is false. I have a attached a letter from the XXXX XXXX XXXX XXXX ga, verifying and stating that they do not furnish information over ti the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. XXXX, XXXX and XXXX is falsely stating this information on my credit report and have yet to remove this my credit report. Thai bankrupcy is also fraud because I never applied for bankruptcy so its not my bankruptcy
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A