Consumer complaint received 2023-04-21
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT, the list of Accounts and Inquiries stated below are being reported by XXXX and is a violation of 15 USC 1681 and a violation of my federally protected consumer rights to Privacy. In which under 1581m, a consumer is entitled to hold them civilly and criminally liable for each of the violations.I have a Right to Privacy, it also states a consumer reporting agency XXXX as XXXX, can not furnish a account without my written instructions, in which I never once gave them consent to furnish any Accounts, Phone Numbers, Addresses, Amounts, or Any of my personal information.In which an account means a demand deposit, saving deposit, or asset account ( other than on occasional or incidential credit balance in an open credit plan as defined in section 1602 ( i ) of the title established primarily for personal, family, or household purposes, but XXXX term does not include an account held by a financial instution pursuant to a bonafide trust agreement. [ XXXX XXXX ] 15 USC 1681c ( a ) ( 5 ) section also states no consumer report cantaining ANY of the following items of information.ANY other adverse items of, other than a record of convictions of crimes which anyedates by more than seven ( 7 ) years.Thus a Inquire is not a crime nor a conviction but yet they are reporting them in my credit report, without consent which makes them criminally liable for Identity theft.In which the following is being reported and are all violations of federal law. Violation # XXXX XXXX XXXX ( Date reported XX/XX/XXXX ) {$1000.00} USD Violation # XXXX XXXX XXXX ( Date reported XX/XX/XXXX ) {$1000.00} USD, Violation # XXXX XXXX XXXX XXXX XXXX XXXX ( Date reported XX/XX/XXXX ) {$1000.00} USD, Violation # XXXX XXXX XXXX XXXX ( Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX XXXX XXXX XXXX  ( Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX XXXX XXXX  ( Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX XXXX XXXX  ( Date Reported XX/XX/XXXX ) {$1000.00} USD ; Violation # XXXX XXXX XXXX XXXX ( Date Reported XX/XX/XXXX ) {$1000.00} USD .Also they are reporting the following Accounts which are not classiffied as crimes : Violation # XXXX XXXX XXXX Account # XXXX [ showing a balance of XXXX ; XX/XX/XXXX ] {$1000.00} ; Violation # XXXX XXXX XXXX XXXX Account # XXXX ( showing a balance of {$470.00} ) ( XX/XX/XXXX ) {$1000.00} USD .Further more they are reporting a Auto Loan from Violation # XXXX XXXX XXXX XXXX Account # XXXX ( showing a balance of {$5100.00} ) ( XX/XX/XXXX ) {$1000.00} USD ; Vioaltion # XXXX A Personal Loan from XXXX XXXX XXXX Account # XXXX Showing a balance of {$0.00} ) ( XXXX XXXX, XXXX ) {$1000.00} USD .Vioaltion # XXXX Other Accounts from XXXX Account # XXXX [ showing a balance of XXXX ] ( XXXX XXXX ) {$1000.00} USD ; Violation # XXXX XXXX & XXXX XXXX [ showing a balance of XXXX ] ( XX/XX/XXXX ) {$1000.00} USD [ Please note that, this is the same amount as the XXXX Account, as XXXX sold the account to them and they are both are reporting on my credit report without written consent ] Violation # XXXX XXXX XXXX XXXX Account # XXXX [ showing a balance of {$520.00} ] ( XX/XX/XXXX ) {$1000.00} USD. Also 15 USC 1681s-2 ( A ) ( 1 ) states 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 the information is inacurate.In closing XXXX is doing a poor job in protecting consumers information and are comitting identity theft, moreover owes me another {$1000.00} USD for this violation as well, because they are using information that they dont have consent to use and selling it for a profit, when they are confronted by the person/ consumer, they act like you aint say a wordwhen I asked them to remove this information in my letter to them.Well Im saying it again and I said it before erase ALL my information out of your records you dont not have my consent and if I tell you again I will be filing a criminal complaint with the other Federal Bureau of Investigations, also I will be filing a Petition with the United States District Court for All damages . Cease and desist Reporting my information without my consent.Final WARNING!!!!!!!!!!!! XXXX XXXX XXXX/ Consumer Without Recourse.

Company response to consumer: Closed with explanation