Consumer complaint received 2022-09-27
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is written concerning the serious FCRA Violations of Lexis Nexis Risk Solutions and the extreme physical and emotional damages they have caused me and my child, despite being warned nearly two years ago about their abuse of my personal information and continuing to report inaccurate information. 
In XXXX I tried to get homeowner insurance and after countless quotes as high as XXXX per MONTH one agency finally told me that Lexis Nexis was reporting that I had a serious claim against my homeowner insurance and that was the reason behind all of the extreme insurance quotes. Of course, I was shocked and beside myself due to the fact I Never Had Homeowner Insurance so the idea of having a claim against me was literally impossible! It took Lexis Nexis a year before they finally removed the inaccurate information, as it related to them breaking up my last name and only using XXXX when my last name is XXXX and I was promised at that time, they would take me out of their database and stop reporting inaccurate information and I was satisfied with that, so I didnt proceed with any legal action. 
Back this past XXXX, I began looking at the idea of applying for a USDA Direct Loan which is designed for Low and Very Low-income Consumers, and everything was proceeding positively until I was informed that I needed to clear up some things on my credit. 
I started disputing similar items on my credit report that were displaying under names I have never been known by and it seemed next to impossible, even after providing my drivers license and social security number, as I kept being told by the credit bureaus, my information does not match what they are receiving from their Data Sources. I had to continue to fight for months until I got positive action, at least with the majority of the inaccurate information. 
Shortly after thinking I had my credit report cleaned up, I noticed a section of my credit report that displayed that I was a business owner, specifically, a Retail Store at my home address and that began causing all sorts of problems, as it made me look like I was failing to report income. As well, it started causing strangers to show up at my door demanding their money back from some XXXX XXXX theyd lost money from. This went on for months on end, so I called XXXX and XXXX and neither of them knew how my address was being connected to their business and insisted that they were not using my address for business purposes. On three occasions I was approached by process servers wanting to serve me with legal papers related to my ownership of XXXX and XXXX XXXX, and it got so bad that I just quit answering my door. One man even broke my window saying he was going to get his money from me one way or another. 
The home I am living in has always been in the family name and the lady that owned it died in XXXX and never owned a business. The house sat vacant since XXXX, and I took possession of the Probate Home two years ago, so they cant even say it was a previous resident that ran a business from this address. 
After months of battling with Lexis Nexis and getting nowhere with the inaccurate information continuing to be reported, I was finally put in touch with someone I thought was going to clear up the constant misinformation so that I could proceed with buying a house, and during that time, I discovered that it was Lexis Nexis that was the source that was reporting me and my home as a Retail Business, as well as all the other information countless other serious misinformation. 
I explained to Lexis Nexis that the current home I am living in is sliding off the foundation and I have maybe a month or so before I need to move for our safety. 
Today, the whole attitude of that individual changed when I confronted them about this issue of serious misinformation and her final statement to me was The information isnt always accurate we dont have to be exact and statements like that. So, I now know that they were wasting my time and playing games. 
They further said, if they remove me from Lexis Nexis, I wont get approved for a home, so ultimately, they have left me and my daughter at very serious risk and this has caused so much stress and fear, it has affected my XXXX XXXX and I am back down in my chair for heaven only knows how long. 
I asked Lexis Nexis to disclose the places where they have sold the inaccurate information, and they stated that it is private and that they dont have to tell me. They further said that it's not their responsibility the retract the inaccurate information from the countless places that they sold the erroneous information to as the other bureaus are not theirs to deal with. They cant be responsible if XXXX, XXXX, and XXXX dont take the inaccurate information off my report, even though they are the cause of the erroneous information. This also includes the thousands of online databases that they have provided grossly inaccurate information. 
Lexis Nexis is also aware that they have placed me and my daughter in a very serious safety risk situation, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now I would like to know where they figure that such information is not a serious mistake! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Lexis Nexis doesnt care as long as they can sell my information and make a buck or two off of me. I can safely call that XXXX XXXX as they dont care if it is XXXX XXXX XXXX XXXX XXXX as long as they can profit from my risks and XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My privacy and safety take a backseat to their need to gather data even if the data is wrong, as long as they get paid.

Company response to consumer: Closed with explanation