Consumer complaint received 2020-08-23
Company: LEXISNEXIS
State: NH
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 requested my FULL FILE DISCLOSURE report from Lexis Nexis and received a letter with a link to obtain my file on-line. The Lexis Nexis report is so bad that I can not even begin to dispute except to  say that I am NOT receiving a FULL FILE DISCLOSURE report from Lexis Nexis to include the following reports : ( 1 ) XXXX  . Report for Auto : Summarizes auto insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of auto insurance underwriting. 

( 2 ) XXXX XXXX Report for Property : Summarizes property insurance loss history provided by participating insurance companies. It is used to assess applications and renewals of property insurance underwriting. 

( 3 ) XXXX XXXX XXXX : Summarizes historical home and auto coverage information provided by participating insurance companies. It is used to assess current insurance coverage as well as identity gaps in prior underwriting. 

( 4 ) XXXX : Provides attributes using public record data. It is used for insurance underwriting and insurance prescreening. 

( 5 ) XXXX XXXX XXXX : Provides search results from public records. It is used to asses applications and renewals of insurance underwriting. 

( 6 ) XXXX Report : Provides search results from national court records regarding bankruptices, tax liens, judegments. It is used to monitor developments that could affect a current account relationship. 

( 7 ) XXXX XXXX Report : Provides search results from public records, including property and personal information. It is used by public assistance agencies to evaluate applications for government benefits. 

( 8 ) XXXX XXXX Report : Provides search results from public records. It is used to determine a consumer 's ability to pay an oustanding debt. 

( 9 ) XXXX XXXX XXXX XXXX Report : Provides search results from public records. It is used for underwriting life insurance. 

( 10 ) XXXX Report : Provides search results from public records. It is used by lenders to evaluate an applicant 's ability and willingess to repay a debt. 

I do have a XXXX Auto Report and it has a FRAUDULENT person named XXXX XXXX, XXXX XXXX XXXX, XXXX, NH with an insurance company PA XXXX XXXX XXXX XXXX date XX/XX/2019 for {$390.00}. This was reported to the XXXX, NH Police Department as FRAUD and identity theft by my son, XXXX XXXX XXXX, age XXXX and it is now appearing on my Lexis Nexis Report. This is criminal to continue to report previously disputed items and now appearing on my XXXX XXXX report. 

All of the above reports are NOT provided to me and instead, I am receiving a mish mash of data. Please be advised that I video-tapped the entire file obtained from this Lexis Nexis link to prove how bad this report file is. It is definitely not pulling from public databases as there is so much information that is missing and so much information that is wrong.

Company response to consumer: Closed with explanation