Consumer complaint received 2023-02-13
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
1. Incorrect information on your report ( wrong address, incorrectly shows account still open ) ; 2. Problem with a credit reporting company 's investigation into an existing problem ; 3. Problem with security freezes ( trouble placing ) ; 4. Information belongs to someone else ( identity error ) ; 5. Account information incorrect XXXX Student Loan ( loan balance, payment amount ) ; 6. Account status incorrect ( show an erroneous traffic violation conviction, paid student loan still reported as open and unpaid ) ; 7. Personal information incorrect ( wrong date of birth, name, and address ) ; 8. Public record information inaccurate ( bankruptcy, criminal record ) ; 9. Old information reappears or never goes away Dear LexisNexis : Thank you for granting me access to my consumer file. In reviewing the information, I discovered there is a lot of discrepancies and inaccurate information in the file. Under the Texas Business & Commerce Code, Chapter 20. I am notifying you these inaccuracies and giving you an opportunity to correct the consumer credit file. 


Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other names and associated information should be deleted. Not my government name as listed on my birth certificate, state issued drivers license, and US issued passport. 


Address : My current address since XX/XX/XXXX is XXXX XXXX XXXX XXXX, XXXX, TX XXXX Previous address : XXXXXXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Business Addresses : XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All other address are not mine and should be deleted immediately. Insurance Items : Statement I am not XXXX XXXX, nor have I ever gone by the name XXXX XXXX. My association with XXXX XXXX is a family relative. Any information pertaining to XXXX XXXX should be removed from my credit file. I do not want any confusion about what information pertains to whom. 


Department of Driver Service Record is grossly inaccurate. I was never conviction of any traffic violation in the XXXX XXXX XXXX XXXX XXXX as reported in the consumer file. This inaccuracy has lead to my not receiving favorable or preferential auto insurance coverage in the past. I have attached information from the XXXX XXXX XXXX XXXX XXXX. This reporting of a misdemeanor conviction is defamatory and I demand it be deleted. 


Mistaken identity : I have never used or gone by the name XXXX XXXX. There is a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as listed in the consumer filed that is not me. Please removed this name and all associated information immediately. 


The XXXX XXXX federal bankruptcy filed XX/XX/XXXX, should be deleted as it has been 7 years since filing and this item is year past its moratorium for reporting. 


As maintaining inaccurate information is a consumer file is violation under Texas state law, I demand it to be removed at once while you conduct any investigation. Information contained in the consumer file is mere sloppiness and lack of due diligence on the part of LexisNexis to ensure that information is accurate at all times. 


I have attached a markup of the consumer file accessed of most of the inaccuracies that should be removed at once. I demand the information regarding each and every source that was used to compile the information contained in the consumer file for XXXX XXXX XXXX. 


Back in XXXX or XX/XX/XXXX, I requested a freeze be placed on credit filed due to possible inaccuracies and reporting of the aged bankruptcy to others. LexisNexis did not honor my request in violation of Texas consumer protection laws ( FCRA ). Please initiate a FREEZE at once.

Company response to consumer: Closed with explanation