Consumer complaint received 2022-03-11
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called LexisNexis 2 to 3 times for my full disclosure consumer credit reporting file to be fully printed and mailed to me via USPS mail. They only sent a letter with an access code and the access code never workers and not an actual copy of my credit report that they are reporting. They are prohibiting me from accessing my report. They violated the fair credit reporting act 15 USC 1681 Stating : that i the consumer have the right to ask for a credit report ; Credit reports are numerical summaries of your credit-worthiness based on information from " credit bureaus '', by not fulfilling my request for a copy of my full printed disclosure credit report again they are in violation. Also code 15 USC 1681B permissible purpose of consumer report ( a ) Accuracy and fairness of credit reporting ( 2 ) An elaborate mechanism has been developed for investigating and evaluating thecreditworthiness, creditstanding, creditcapacity, character, and general reputation ofconsumers.. I called XXXX the XXXX, XXXX and I also called on XXXX XXXX and I have call other times after, I was told that the full report was being sent to me via postal service and I still have not received the report as of today XX/XX/XXXX. Which is more than the 7 days. 18 U.S. Code 242 - Deprivation of rights under color of law. 


Who is the Credit Bureaus XXXXThe term Bureau means the bureau of Consumer Financial Protection . per 15 U.S. Code 1611 ( b ) - Criminal liability for willful and knowing violation & 15 U.S. Code 1602 ( b ) - Definitions and rules of construction. = CFPB is the Credit Bureaus Also LexisNexis is " verifying '' and reporting private information that I never gave written consent for them to report BANKRUPTCY. LexisNexis is " verifying '' a bankruptcy that was done in private to third party companies like XXXX, XXXX and XXXX etc. when in fact I never gave them nor LexisNexis written permission to even report this. Bankruptcy is NOT a public record. And the bankruptcy court by law will not report this either because they know the law too. This is private information and it was done in private. You are also verifying charge off from XXXX XXXX, which in fact is income, Define from IRS, clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate. They are infringing upon my right to privacy ; 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their [ grave responsibilities ] with fairness, impartiality, and a respect for the consumers right to privacy. and 15 U.S. Code 1640 Civil liability & 15 U.S. Code 1611- Criminal liability for willful and knowing violation. Now that this is a public complaint and if it continues to be report and verified you are Knowingly committing a crime 15 U.S. Code 1611 ; I will seek for damages of pain, embarrassment, loss of pass business transactions and future funds/ business not limited to other suffering behind this false and inaccurate information.I will file FTC complaint along with making a tort complaint and send the evidence of this complaint and every other complaint and pass disputes to the IRS and FBI and any where else I can report the company along with any other companies helping them get away for violating my rights 18 USC 241- Conspiracy against rights ; and if I have to I will sue for my damages I WILL ; YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.

Company response to consumer: Closed with explanation