Complaint sub-issue: Information belongs to someone else

The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. 

This complaint is to advise that LexisNexis Consumer Center has failed to honor our rights under the FCRA act which gives us the right to obtain a FULL, COMPLETE, PRINTED copy of our consumer reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting. 

On XX/XX/XXXX my daughter and I submitted an online request to LexisNexis AND also CALLED ( Call Recorded ) to request FULL, COMPLETE, PRINTED reports to be mailed to us, security freezes to be added to our consumer files AND for our files to be suppressed AND opted out of information sharing, marketing, solicitating and further fraudulent information from being added to either of our reports. We have attached a copy of the email confirmation advising receipt of the suppression AND optout requests, PLUS letters dated for XX/XX/XXXX from LexisNexis confirming that they've received our requests but aren't able to process them at that time. 

On XX/XX/XXXX, my daughter and I called LexisNexis AGAIN and requested a copy of our FULL, COMPLETE, PRINTED reports to be mailed us, security freezes to be added to our consumer files AND to be opted out of soliciting, marketing, information sharing and to suppress all files. Attached, please review the documents dated for XX/XX/XXXX from LexisNexis advising that the security freeze was added and an URL link with a password advising us to go on the website to access our reports. We tried, but the passwords didn't work. Over the phone we told them that we wanted a paper copy to be mailed to us because we don't have personal access to a printer or internet. During that call, the agent added a telephone number ending in XXXX and an email that I never confirmed or requested to be added. He added the telephone number that I was calling from without my permission. He never verified if I even wanted a telephone number to be added to my profile. He mentioned that he'd seen my online request and obviously added the email as well. Again, without my consent or knowledge. He never confirmed, just added INCORRECT information to my consumer report without confirming or asking if we wanted it to be added. 

On XX/XX/XXXX, we called again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our consumer reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. 

On XX/XX/XXXX, we called the CFPB and requested to file a complaint against LexisNexis. Complaint XXXX was submitted as follows : " The reason I am submitting this complaint is because they have merged me and my daughter as one person and we are not the same! '' The company closed the complaint on XX/XX/XXXX and responded with an attached letter dated for XX/XX/XXXX, lying stating that they'd called and emailed me on XX/XX/XXXX. I checked the voicemail of the number they listed on the letter and there were no new messages. I then proceeded to check the email that they said they sent and there was a message from them dated for XX/XX/XXXX NOT XX/XX/XXXX. I called the phone number listed on the email for XXXX XXXX and left a message for her to call me back ( Call recorded )! I then responded to the email on XX/XX/XXXX. She then emailed me back on XX/XX/XXXX. There was no further communication. She has never called me back. ( Documents attached ) I have emailed copies of the letters today which includes all of the consumer requests that we've made so that the files can be accessed, deleted, removed, disputed and suppressed effective immediately! ANY FURTHER COMMUNICATION SHOULD BE SUBMITTED HERE ON THE CFPB WEBSITE WITHOUT CLOSING THE CASE UNTIL FULLY RESOLVED! 

On XX/XX/XXXX, we created a new, more detailed complaint online via the CFPB website against LexisNexis and was provided complaint # XXXX. That complaint included the following : " This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send me a physical paper copy of my credit report. I have called them consistently requesting a paper copy of my report. They have sent documents to my daughter and I requesting that we sign into a website and submit a pin number to access the files. The pin number doesn't work. WE WANT A PHYSICAL COPY OF THE REPORT! NOT ACCESS TO THE REPORT ONLINE! WE DO NOT HAVE A COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CONSUMER REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' The company closed this complaint on XX/XX/XXXX with an amended version of the same letter that they sent on XX/XX/XXXX. This time the letter stated that they called on XX/XX/XXXX AND XX/XX/XXXX and was not able to leave a voicemail message. It then says that they emailed me on XX/XX/XXXX and has never received a response from me but again, I have attached the emails that show that I responded on XX/XX/XXXX BEFORE the XX/XX/XXXX letter from LexisNexis was generated. 

On XX/XX/XXXX, I received another letter from LexisNexis stating that they couldn't process our requests! On every single call, the agents ask for the exact same information. They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! They also confirm on each call that they have accessed the account and asks if we want to dispute anything at time! We advise them on every call that we need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! 

On XX/XX/XXXX, we received reports dated for XX/XX/XXXX. My XXXX year old daughter 's report consisted of 72 pages of incorrect information. Her report includes MY FULL NAME, SOCIAL SECURITY NUMBER, CREDIT ACCOUNT INFORMATION and addresses of relatives, friends, schools THAT SHE HAS NEVER BEEN ASSOCIATED WITH! My report included 48 pages of incorrect information! NONE OF MY ACTUAL CREDIT INFORMATION! It included addresses and phone numbers that don't belong to me! It included names of males and females that aren't mine. The report includes FULL social security numbers AND date of births of individuals that ARE NOT ME! I disputed the entire report on XX/XX/XXXX and received a dispute case number # XXXX. When I asked the agents, because I spoke to MULTIPLE agents today ... Why does MY report include the names, addresses, phone numbers, social security numbers, date of births AND insurance information for XXXX XXXX, she said that I must've been added to his policy before. But even if, this were the case, WHY WOULD YOU PUT ALL OF HIS PERSONAL, CONFIDENTIAL INFORMATION on MY CONSUMER REPORT? Now, I have access to his information and could use his information FRAUDULENTLY if I were that type of individual? My daughter now has access to MINE, XXXX XXXX 'S and some more people/s credit profile information because LEXISNEXIS illegally adds information to the consumer report without verifying from the EXACT source! I asked the agents to verify where they received the information from and she said that it wasn't the actual company that sent it to them. She also confirmed that the INCORRECT address and phone numbers were added to my profile when I called or emailed them on XX/XX/XXXX. So they NEVER confirmed, asked or verified if I wanted that information added to my profile. We don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! 

I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. 

This letter is to inform, request and advise LexisNexis that the personal information and accounts being reported by your company on my credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! 

I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as e-Oscar and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. 

We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! WE WANT THE ENTIRE FILE DELELTE! ALL INFORMATION REMOVED! ALL INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!