Consumer complaint received 2023-09-08
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Only First & Last Name XXXX XXXX XXXX My Only XXXX XXXX, XXXX XXXX XXXX XXXX Ca XXXX The last XXXX of mySSN # XXXX My Only XXXX XXXX I RENCENTLY LOOKED AT MY CONSUMER REPORTS AND CONTACTED XXXX XXXX LEXISNEXIS XXXX XXXX AND ALL THE DEBT XXXX ABOUT IDENTITY AND FRAUDULENT ACCOUNTS REPORTED ON MY CONSUMER REPORTS dispute department, ABOUT identity theft, Ive sent papers from the XXXX XXXX Department XXXX XXXX XXXX have XXXX XXXX XXXX XXXX FCRA laws they continue to violate my federalrights under XXXX XXXX code XXXX, XXXX code XXXX XXXX XXXX code XXXX and XXXX XXXX code XXXX XXXX have had multiple conversations XXXX the fraud departments of all three major ( XXXX ) XXXX XXXX XXXX ABOUT THE the criminal activity they continue XXXX XXXX XXXX violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under XXXX XXXX code XXXX ( XXXX, XXXX code XXXX ) XXXX XXXX XXXX code XXXX ) and XXXX XXXX code XXXX XXXX have disputed this debt ; therefore XXXX until validated you know your information concerning this debt is inaccurate.Fraudulent ) [ ACCOUNT NAMEMOSAIC CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX BANK ACCOUNT XXXX DATE OPEN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PRICE {$28000.00} {$16000.00} XXXX {$43000.00} XXXX {$8000.00} ( FRAUDULENT INQURIES ) [ NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX. CA XXXX Resident XXXX family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX NORTH XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX B XXXX HWY XXXX XXXX, XXXX XXXX under XXXX law XXXX and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX LEXISNEXIS I am aware XXXX my SSN belongs to the ( SSA ) Social Security XXXX and XXXX XXXX XXXX that identifying number is an obligation of the United States in accordance XXXX XXXX U.S.C XXXX and being XXXX you ( XXXX XXXX XXXX CONTINUE XXXX REPORT XXXX ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( XXXX ) XXXX U.S.C XXXX. ( XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAXfurnishing this information to my consumer report. Fraudulent ) [ ACCOUNT NAME MOSAIC CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX BANK ACCOUNT XXXX XXXX OPEN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PRICE {$28000.00} {$16000.00} XXXX {$43000.00} XXXX {$8000.00} ( FRAUDULENT INQURIES ) [ NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX. CA XXXX Resident XXXX family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX NORTH XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX B XXXX HWY XXXX XXXX, XXXX XXXX I XXXX not XXXX you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX the XXXX FTC XXXX Federal Trade Commission for XXXX XXXX XXXX and XXXX. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims XXXX be XXXX XXXX Code XXXX XXXX Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allegedidentity theft, not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX DATA SOLUTIONS XXXX XXXX the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply ( XXXX XXXX XXXX - Block of information resulting from identity theft -Fraudulent ) [ ACCOUNT NAME MOSAIC CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX BANK ACCOUNT NUMBER XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PRICE {$28000.00} {$16000.00} XXXX {$43000.00} XXXX {$8000.00} ( FRAUDULENT INQURIES ) [ NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX. CA XXXX Resident XXXX family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX NORTH XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX B XXXX HWY XXXX XXXX, XXXX XXXX ) XXXX as XXXX provided in this section, a consumer reporting agency shall block XXXX reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( XXXX XXXX Social Security XXXX and anything purchased with that identifying number is an obligation of the United States in accordance with XXXX XXXX XXXX and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of XXXX Claims Act ( FCA ) XXXX U.S.C XXXX. ( XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires- presentment of the account and ( general ledger statement signed and dated by the party XXXX for maintaining the account. XXXX Concrete F.C.U v. XXXX, XXXX XXXX. XXXX, XXXX P. XXXX XXXX ( XXXX ), XXXX XXXX Hawaii XXXX XXXX v. XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX, ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ), and Town of XXXX XXXX XXXX Shores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Conn.l ( XXXX ). and XXXX v. Godbole, XXXX XXXX. App. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ). XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the XXXX above. My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. XXXX demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Fraudulent ) [ ACCOUNT NAME MOSAIC CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX BANK ACCOUNT XXXX XXXX OPEN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PRICE {$28000.00} {$16000.00} XXXX {$43000.00} XXXX {$8000.00} ( FRAUDULENT INQURIES ) [ NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX CA XXXX Resident XXXX family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX NORTH XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX family XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle XXXX XXXX XXXX OLD XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief