Consumer complaint received 2021-09-28
Company: LEXISNEXIS
State: GA
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:
Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA, XXXX Date of birth : XXXX RE : REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or all of the aspects of alleged account information documentarily to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting. 
To whom it might concern, NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIMS. 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 a number of items on the report that are inaccurate. The account ( s ) in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. Under the Fair Credit Reporting Act, 15 U.S.C.? S 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 accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.

Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, if you are unable to provide me with a copy of the verifiable and irrefutable proof that you have on file for everyone even each any and or all of the adverse accounts listed below NO LATER than 30 days of receipt of this complaint challenging your compliance to true accurate and complete timely reporting then you must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSE WISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. 
I demand the following accounts be properly verified of Metro 2 COMPLIANCE, as REQUIRED! PROVE OR DELETE IMMEDIATELY! 
Name of ALLEGED Account : Alleged Account Number : Provide Physical Proof of Verification or Please DELETE IMMEDIATELY!! 
XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX Data Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : 0.00, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : 0.00, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly.EALL XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Payment : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : XXXX, Issue : Erroneous RESULT OF XXXX XXXX Breach Direct Violation of The FCRA Reporting incorrectly. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation