Consumer complaint received 2022-08-19
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX of Virginia, in XXXX, Virginia, MAKE OATH AND SAY THAT : 1. Before me, the undersigned authority, personally appeared XXXX XXXX, who after being duly sworn, states and deposes as follows : I am over eighteen years of age, under no disabilities and fully competent to give this Affidavit. This Affidavit is based on my personal knowledge that the facts set forth herein as duly noted below are true, correct, complete, and presented in good faith regarding the account listed as XXXX XXXX of purported loan/account number/I.D./bankruptcy of : XXXX or any other derivative thereof, with LEXUSNEXIS hereinafter CREDITOR as defined under 12 CFR 226.2 ( 17 ) ( v ).

The undersigned, XXXX XXXX, a natural person pursuant to 15 USC 1602 ( e ), hereinafter Affiant does herewith assert and declare on Affiants unlimited liability that Affiant issues this INFRINGED UPON a CONSUMER 'S RIGHT TO PRIVACY AFFIDAVIT with sincere intent, that Affiant is competent to testify and state the matters set forth herein and is willing to testify with firsthand knowledge, all contents herein are true, correct, and complete in accordance with Affiants knowledge, understanding, and intent. Affiant is of sound mind, and over the age of twenty-one. Affiant reserves all rights. Affiant being unschooled in law, and who has no bar attorney, without an attorney, and having never been represented by an attorney, and does not waive counsel, knowingly and willingly Declares and duly affirms : Victim Information My full legal name is XXXX XXXX XXXX My date of birth is XX/XX/XXXX My social security number is XXXX. My driver 's license or identification card state and number is ( VA ) XXXX My current address is XXXX XXXX XXXX XXXX, Virginia XXXX. I have utilized this address since XXXX. 
My daytime telephone number is XXXX. 
My evening telephone number is XXXX. 
2. How The Infringed Upon a Consumer 's Right to Privacy Occured 1. This Affidavit concerns CREDITOR furnished inaccurate and incomplete information to the credit bureaus. Affiant recently discovered some more of the numerous acts of violations infringing upon a consumer 's right to privacy the CREDITOR committed against me as Affiant and or the body politic and/or public in general, including without limitation, the following abridged list of violations committed at the behest of CREDITOR. 
2. LexusNexis uses a database called XXXX, which is a system that fishes out negative information on consumers and then they sell it to the other consumer reporting agencies. 
This is a violation of 15 usc 1681 ( a ) ( 4 ) ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking sytem is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assured a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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, 3. Congress makes it clear that a consumer has the right to privacy. They never definewhat privacy is because only the CONSUMER can define what privacy is to the CONSUMER I am stating that the bankruptcy listed on my consumer credit profile is private and should not have been disclosed by 3rd party creditors which are listed in this affidavit as stated above LEXISNEXIS CORPORATION 4. CREDITOR failed to provide permissible purposes of consumer reports this is violation of 15 usc 1681b ( a ) ( 2 ) ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

5. Affiant is a victim of INFRINGEMENT UPON A CONSUMERS RIGHTS.

LEXISNEXIS did not have permissible purpose nor did they have my written instruction. I did not provide them with written instruction and documentation does not exist allowing permissible purpose, if so you have 4 days from the receipt of this affidavit to provide such documentation. Failure to provide these documents requires immediate deletion of this Bankruptcy ( reference number : XXXX ) Failure to remove this item from my consumer report will result in a fine in the excess amount of more than {$5000.00} dollars.

3. 6. PRIVACY ACT This written communication constitutes Affiant due process notice for being heard absent compliance with all requirement set forth herein CREDITOR, are barred from using any defense of immunity from prosecution for CREDITOR act, actions and omission, including their principal agent assigns, employees and the like.

7. By this Notice CREDITOR including their principal agent, assigns, employee shall comply with the provision of the Gramm-Leach-Bliely Act. [ 15 USC section 6802 ] Obligation with respect to disclosure of personal information ( a ) Notice Requirements ( b ) Opt Out for assisting the consumer in keeping inviolate certain constitutional protected privacy rights and guarantees, and from preventing encroachment thereon.

8. By this Notice CREDITOR including but not limited to principal agent, assigns, has been alleged to have been used or transferred ) without the authority of the consumer, with the intent to commit, or to aid or abet, and identity theft or a similar crime.

14. Affiant is a victim of identity theft, Affiant never authorized CREDITOR to use or transferred Affiant identification ( Credit Card as defined under 15 USC 1602 ( l ) a/k/a social security number or social security card ) for the purpose of obtaining money and property on credit. CREDITOR lack of authorization means IDENTITY THEFT pursuant to 15 USC 1681a ( a ) ( 3 ).

15. Any man or woman having first hand knowledge of all the facts asserted herein and having absolute power and authority to rebut this affidavit must rebut each and every point separately with the rebutting partys own signature and endorsement notarized, under the penalty of perjury and willing to testify, and executed as true, correct, and complete with positive proof attached. Absent positive proof any rebuttal shall be deemed null and void having no force or effect, thereby waiving any of CREDITOR immunities or defenses.

16. Any rebuttal shall be mailed to the undersigned and the Notary address within ten ( 10 ) calendar days of CREDITOR receipt of this affidavit.

17. When a rebuttal is not received by both the Affiant and the Notary within 10 days this entire Affidavit and default provisions shall be deemed true and correct. 
18. CREDITOR further agrees and consents to this administrative notice and default under this affidavit as clear and convincing evidence and proof of the facts asserted herein : 19. CREDITOR agrees to pursuant to Federal Law CREDITOR provide Affiant, copies of the transaction details and business records in CREDITOR control, relating to the fraudulent transaction. A copy of the relevant law is enclosed.

20. CREDITOR agrees to information furnished on XXXX, XXXX, XXXX, and XXXX be deleted from credit report.

Company response to consumer: Closed with explanation