Consumer complaint received 2021-01-05
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to correct my LexisNexis Consumer Disclosure file since XXXX, XXXX regarding a " mixed files '' issues. The credit reporting information is taken from my LexisNexis Consumer Disclosure reports dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were hundreds of records that belong to my relative ( XXXX  sister ). It is now XXXX, XXXX and there are still errors in my file after making phone calls, sending emails, and sending certified letters requesting deletion of the errors. This is not a situation where only some inaccurate records deleted is good enough. All the inaccurate records must be deleted permanently. 

The event that brought the errors to my attention was a call from my Insurance Agent asking me about a {$41000.00} claim on my LexisNexis Consumer Disclosure report when I applied for insurance. Of course, I was baffled regarding a {$41000.00} Property Insurance claim. Immediately I realized that it was most likely a claim filed by my relative and I let the Insurance Agent know that. When I gave the Insurance Agent my relative 's name, it matched the name that was associated to the claim. My relative was also a client of the same Insurance Company. As it turns out, there were three ( 3 ) additional insurance claims associated with my relative. The Insurance Company disputed the four ( 4 ) claims, ( two ( 2 ) Automobile Insurance claims for {$540.00} and {$93.00} and two ( 2 ) Property Insurance claims for {$41000.00} and {$5800.00} because they knew that the claims did not belong to me. 

Once I received my LexisNexis Consumer Disclosure report, it was confirmed that the claims belonged to my relative. As it turns out, there was another Property Insurance claim that belonged to my relative in the amount of {$850.00}. The LexisNexis investigation of the Insurance Company 's disputes resulted in an update of the inaccurate insurance claims, not a deletion of the inaccurate insurance claims. I had to dispute the claims again myself. After several attempts to have the inaccurate claims deleted, they were deleted from my file. 

Another issue is that when inaccurate records are deleted, some of those same records appear in my LexisNexis Consumer Disclosure file again without my knowledge or approval. The Security Freeze that I had LexisNexis add to my file was removed five ( 5 ) months later by LexisNexis without my knowledge or approval. I called LexisNexis and insisted that the Security Freeze be returned to my Consumer Disclosure file immediately. As a result, I received an updated LexisNexis Consumer Disclosure report that indicated the Security Freeze had been returned to my file again, but the report also indicated that the {$41000.00} Property Insurance claim and the {$850.00} Property Insurance claim that belonged to my relative that took me months and several certified letters to have deleted, is appearing on my report again. If the inaccurate records are deleted, how can they reappear in my file? 

Another issue is that invalid records that I've requested to have deleted have not been deleted. They remain in my LexisNexis Consumer Disclosure file after months and multiple requests to have them deleted. 

Another issue is that LexisNexis will delete my relatives ' records from some Sections of my Consumer Disclosure file but not from all Sections of my file. If LexisNexis deleted inaccurate records associated with my relative, why not delete all inaccurate records associated with my relative. 

I've spent several months and much money trying to correct these mistakes and this project is still ongoing.

Company response to consumer: Closed with explanation