Consumer complaint received 2022-08-14
Company: LEXISNEXIS
State: LA
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:
In accordance with the FCRA the agencies below have violated my rights, XXXX, XXXX, XXXX XXXX LexisNexis. 15 USC 1681 ( 602 ) ( A ) ( 4 ), states that there is a NEED to insure that the consumer reporting agencies exercise their GRAVE RESPONSIBILITIES with FAIRNESS, IMPARTIALITY, and RESPECT for the consumers right to privacy and each of these entities have denied me that right by furnishing information about me without verifying WITH ME that any of that information was correct. 15 USC 1681 ( 604 ) ( A ) ( 2 ) states a consumer reporting agency can NOT furnish a consumer report without my written instructions to do so, yet each of these agencies have done so without my written consent! Per 15 USC 1681 ( 604 ) C lexisnexis illegally furnished reports in connection to insurance transactions that were not initiated by me. Never have I authorized any of these agencies to provide any such reports on my behave. 15 USC 1681s- ( 2 ) ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of and has reasonable cause to believe the information is inaccurate, yet inaccurate information was STILL furnished after I constantly disputed the accuracy of it, in which gave them reasonable cause to believe that the information they were reporting was not accurate! 11 different Federal loans servicing accounts was shown to be removed from my XXXX report in XXXX stating that since the account is no longer on my credit report, its details wont be factored into my credit score, and that accounts can sometimes be removed due to things like disputes and reporting ERRORS. The same 11 accounts were removed from my XXXX and XXXX report in XXXX, simultaneously 11 new accounts named XXXXXXXX XXXX XXXX XXXX  showed up on all reporting agencies in which I have no knowledge of who or what that is and its alleged a debt dating back 9 years. Not only are these alleged accounts just being reporting by these agencies they all have conflicting information across the different agencies showing different amount of missed payments to these alleged accounts hurting my credit score even more. Ive disputed these alleged accounts along with all the others to no avail, and yet theyre allowed to be furnished on my reports still! 15 USC 1681i ( 2 ) ( A ) states A procedure in case of disputed accuracy, 15 USC 1681i ( 5 ) ( A ) a treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( 1 ) of completeness or accuracy of ANY information contained in a consumers file at the consumer reporting agency is disputed by a consumer, if an item of the information is found to be inaccurate OR incomplete OR can NOT BE VERIFIED, the reporting agency shall ( 15 USC 1681i ( 5 ) ( A ) ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation, permanently block the reporting of that item of information and ( 15 USC 1681i ( 5 ) 5 ( A ) ( ii ) ) notify the furnisher of that information has been modified or deleted from the file of the consumer. Despite every account Ive disputed with each of these agencies Ive always been met with that the accounts been verified and accurate per the accounts remaining on my reports, but never have I been provided with findings on HOW that information was verified and deemed accurate! Per 15 USC 1681i ( A ) ( 6 ) ( B ) a consumer reporting agency SHALL PROVIDE to a consumer IN WRITING before the expiration of the 5-day period, a DETAILED description of the procedure used to determine the accuracy and completeness of the information by the agency including the business name and address & telephone number of any furnished of information contacted in connection with such information. Ive never received such information even after requesting so. Per 15 USC 1681 ( A ) ( 3 ) consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. so I leave you with this, I did not appoint any of these agencies to gather nor furnish any alleged information involving me or my credit worthiness, credit capacity, character, or my general reputation, they assumed that role! Inaccurate credit reports DIRECTLY IMPAIR the efficiency of the banking system, furthermore unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The banking system is DEPENDENT upon FAIR AND ACCURATE credit reporting in which XXXX, XXXX, XXXX, and LEXISNEXIS is not abiding by! 15 USC 1681s-2 ( 8 ) ( A ) Cfpb ( the bureau ) in consultation with the Federal Trade Commission , the Federal banking agencies, and the National Credit Union Administration XXXX shall prescribe regulations that shall identify the circumstances under which a furnisher shall be REQUIRED to reinvestigate a dispute concerning the accuracy and integrity of information contained in a consumer report in hopes to result in the most expeditious resolution of any such dispute. I hope you do the right thing and assure me my rights are NOT to be violated by enforcing the accuracy regulations and guidelines REQUIRED! 15 USC 1681s-2 ( 9 ) ( E ) ( 1 ) ( A ) ( B ) the Bureau SHALL establish and MAINTAIN guidelines for use by EACH person that furnishes information to a consumer reporting agency, furthermore prescribe regulation ms REQUIRING each person that furnishes information to a consumer reporting agency to establish reasonable policies and procedures for IMPLEMENTING the guidelines established. As the bureau it is also your duty to examine the policies and processes that reporting agencies employ to conduct reinvestigations and CORRECT inaccurate information relating to the consumer that has been furnished to the reporting agencies per 15 USC 1681s-2 ( 9 ) ( E ) ( 2 ) ( D ). As a direct result of these reporting agencies furnishing inaccurate information Ive been discriminated against and denied while trying to extent credit based solely on whats been furnished on these credit reports, my character have been assassinated & my reputation completely destroyed! By these agencies violating my rights to privacy my alleged information have been breached and exposed to hacker and didnt forum. I truly hope you can correct this awful wrong thats been done against me. I would hate to have to take legal action against these credit reporting agencies from impeding on my rights but if I have to I will, not only criminally but civilly as well!

Company response to consumer: Closed with explanation