Consumer complaint received 2019-10-14
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I submitted a request to LexisNexis to have my report with them suppressed, due to the report containing numerous inaccuracies. Around the same time, I also called into LexisNexis to have a security freeze added to this same report. In XXXX of XXXX, I received notification from XXXX   XXXX, a lender I had been looking into that they had accessed my Lexis Nexis report and were not able to work with their company due to the information they saw. I reached out to LexisNexis to ask why was XXXX XXXX allowed access to my report, when there was both a security freeze and a suppression. The representative I spoke to informed me that he did see the security freeze and did not have an explanation as to why this company had been able to access my report. He said he would start an investigation and call me back. I never received a call. I asked XXXX XXXX to send me a copy of the report they accessed, and they complied. I never gave XXXX XXXX any type of authorization to access such a report. 

Around XXXX of XXXX, I sat down to review the report that I was sent from XXXX I sat down and composed a letter to LexisNexis with numerous inaccuracies asking them to verify or delete. It was also around this same time, XX/XX/XXXX, I submitted another suppression request, that LexisNexis acknowledged was in place. 

On XX/XX/XXXX, I received a report from LexisNexis showing many of the inaccuracies had been deleted as of XX/XX/XXXX, the date of the report they mailed me. 

Around XX/XX/XXXX, I registered for a membership with the XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called them to check on the status of my pending membership. I was told that it had been rejected due to the information contained within my LexisNexis report. How had they been able to access a report that was suppressed and frozen? Again, I was never told that such a report would be obtained and I never gave authorization for that report to be released. The representative from the XXXX XXXX XXXX XXXX XXXX XXXX said my report contained numerous bankruptcy filings, hence the reason I was not approved. Those bankruptcy filings had been deleted from the report that LexisNexis sent me on XX/XX/XXXX. I did not understand how a report pulled after that time would contain such information. I sent the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), a copy of the report LexisNexis had sent me with all of these erroneous items removed. On XX/XX/XXXX, XXXX informed me that they pulled another XXXX XXXX report so they could compare to what I sent them and it contained the same information that they had originally pulled!! 

XXXX sent me over a copy of what they had accessed. This association had accessed without my prior knowledge or consent a full file disclosure on me. This report contains numerous inaccuracies!! None of the deletions that were on the report LexisNexis sent me had been removed from this full file disclosure. 

I called LexisNexis again to find out why was any company able to access my records that were supposed to be suppressed and frozen and why the information contained in the reports were different. The representative I spoke to, could not give me any type of answer. 

I went to LexisNexis site to pull the information for my state regarding a security freeze. The very first line reads, " You have a right to place a " security freeze '' on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. '' No where on the XXXX registration or the XXXX XXXX registration was I told that a report from LexisNexis would be pulled. I would have never given anyone authorization to access this report since it contains so many inaccuracies. 

Additionally, I need to understand why I received a report showing inaccuracies removed, but a company accessing my report still sees this information. I was not given a straight answer by the LexisNexis rep I spoke to. 

Due to all of the erroneous reporting, releasing this profile has caused me harm in my professional life. I am no longer allowed to attend XXXX functions as it has caused extreme embarrassment

Company response to consumer: Closed with explanation