Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (NV)

LexisNexis is refusing to provide myself and my wife with our consumer reports so that we can dispute inaccuracies. Identity has been verified multiple times, multiple ways, and they still refuse to agree to send us our reports. They have been contacted regarding this matter multiple times, and a non-resolved complaint was filed through theXX/XX/XXXX in an attempt to mediate prior to escalation. Not only is it absolutely ludicrous that the major data furnisher to the three consumer reporting agencies is stuck in the 1980 's where technology is concerned ; refusing to authenticate identity through all valid and reliable means online to provide online reports like every other company on planet earth, but they are being unduly clandestine in their reasons for their behavior and their refusal to acknowledge I have already verified my identity multiple times/multiple ways. I find it a complete violation of my consumer rights, as well as all manner of logical behavior, that they not only will not furnish a consumer report instantly online, but this makes my ... 5th ... attempt to get my consumer report from LexisNexis in any form. I want this complaint to serve as documentation of my efforts that are indisputable proof I verified my identity beyond all reasonable measures, but also a warning of intent to sue. I have XXXX, this process has caused me extreme emotional duress, the information that I believe to be false in my consumer report that keeps cycling back onto the three major bureaus for me to dispute is causing me financial and psychological hardship. As is the increasingly condescending and authoritarian tone of the communication received from LexisNexis data entry clerks. I'm a XXXX XXXX XXXX, college educated, retired XXXX XXXX. Do not talk to me, LexisNexis data entry clerks, like I am a child you think you can intimidate into being a voiceless clog in a wheel that takes abuse laying down. I served my country honorably active duty for XX/XX/XXXXyears, I have screenshotted every attempt to get my report, I have tracked all communication carefully ( as has my wife and we are in the process of forming an online group of consumers who have suffered the same indignities with the intent of pursuing a class-action ). LN does not want to go against me in a court of law without a leg to stand on of why they are withholding... my... personal data from me. It is not their data to withhold. It is... my... personal data and I have a legal and ethical right to obtain it without further abuse of my time or my rights. They also have no argument or excuse for their refusal to provide consumer reports instantly online to the consumers they are about, when they are all too happy to provide that same information to any business entity that wants it. How is that any less secure than individuals answering security questions, uploading IDs, and validating their very own information? The answer is... it isn't. I also found out from a consumer that finally obtained their report after a great deal of hassle that they ultimately do NOT mail consumer reports but instead mail access information in order to finally obtain your consumer report online. So, why the lengthy and pitifully inadequate process of mailing information multiple times back and forth waiting weeks to months to receive what is ultimately your consumer report online? My last word of advice for LexisNexis employees is that if they want to be bullies and try talking down to consumers, they might want to give their own writing the old 'college try ' and check for typos and misinformation. It really takes the bite out of their bark to have to sit there and read them giving a lecture about their right to have 'minor inconsistencies ' in reports which actually is not true at all ; and then you have to sit there and look at their mistakes in their writing when you're being disrespected. They also added the extra layer of disrespect to close my complaint and notate it as 'solved ' when it is closer to a court room than it is a solution. This matter has cost me hours of my time and exceptional duress. Identity documentation included : A current driver 's license showing date of birth and current address ; front AND back A current military identification card ; front AND back A social security card A utility bill showing current address A phone bill verifying both phone number and current residential address Credit card statement showing current address Residential lease agreement showing current address Old passport Copy of one of the many letters from LexisNexis received to my mailing address refusing, in a very vague manner not clearly stating what the issue is or how to resolve it, to comply with my request for my consumer report.