Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccuracies in my consumer credit report that have caused significant distress and harm to my financial well-being. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of information provided in consumer credit reports. However, despite my repeated requests for reinvestigation of an account that is inaccurate and was already in prior litigation, the information remains incorrect and has now resulted in incorrect debts being reflected. 

The inaccuracies in my credit report have led to difficulties in tenant screenings, affected applications for housing and employment and have caused me significant distress. 

Furthermore, the original creditor waived their right to any months covered by assistance programs such as XXXX XXXX ( appealed and approved as a reason to file the order to show cause ), HUD XXXX XXXX  ( Approved with the intent of participating and accepting funds ), and the XXXX XXXX XXXX, which were pending at the time which was later approved. 
This debt is completely invalid and was not awarded in judicial court as a debt, further exacerbating the harm caused to myself and my husband XXXX XXXX. XXXX XXXX intent to proceed to classify this as a collection debt to an unknown third party filed interstate after waiving funds in judicial due process shows the validity of this debt. Unfair misrepresentation of consumer indebtedness furnishing inaccurate information to a third party not affiliated in the ligation proceedings when this should have been a confidential matter also is a violation of confidentiality and privacy rights to parties involved. 
Information is completely falsified with the intent to do harm to the parties involved, Further solidifies the complaint filed with XXXXXXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX in regards to unfair and unjust treatment. Evaluation of furnishing an invalid debt facilitated with complete malicious intent causing adverse actions in experiencing denial of new credits, cancellation of finance account to receive payment for earnings from employment further causing inability to work and earn a living wage. Adversely affecting prospective promotional opportunities and denial of further employment. 
Increasing unfavorable change in terms with existing accounts terms due to increased false debt. Denial of insurance policy. Debt to income Ratio falsely perceived and diminishes ability to purchasing permanent housing. 
I believe that these inaccuracies in my credit report are in violation of several laws, including 15 U.S. Code 1692 ( b ), 15 U.S. Code 1681c, 15 U.S. Code 1681i7, and 15 U.S. Code 1681i5. Violating NYS Tenant Protections. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to help rectify. 
Date of Stipulation in 6th District Court signed on XXXX XXXX Order to Vacate XX/XX/XXXX Due Date for XXXX XX/XX/XXXX High Risk Induction Schedule by XXXX XX/XX/XXXX Delivered XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  admitted into XXXX until XX/XX/XXXX due to complications Consumer Files Order to Show Cause with 6th District Court upon release from the Hospital providing hospitalization records. Consumer Request to address laywer due to XXXX application XXXX appeal granted and now eligible to cover 15 months backed rent XX/XX/XXXX. 
Judge orders readmission on the Calendar to XX/XX/XXXX Original Creditor XXXX XXXX waives XXXX Funds. Previously waiving HUD XXXX XXXX 6 months of funds covered. After being granted 6 months due to a wait in repairs by landlord back on XX/XX/XXXX during XXXX XXXX inspection. Landlord needed to repair to be able to pass inspection, After acquiring funds XXXX denies wanting to accepting 6 months from HUD XXXX XXXX after being awarded XXXX XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX waives XXXX XXXX as well as XXXX XXXX funds available. XXXX states they can not force landlord to take funds and denies order to stay but grants time to stay until XX/XX/XXXX. 
Consumer vacates apartment on XX/XX/XXXX. Relocates with funds from XXXX XXXX to relocate. No one at residence when eviction is ordered by Sheriff, No one served eviction orders to leave. XXXX XXXX said eviction took place. 
During this time no new stipulation is enforced. Stipulation states if vacate defendants leave owing no debt. No eviction on record. Leave with clean slate is stated to lawyer and by judge. 
XXXX XXXX XXXX XXXX collector located out of state. Provides a collection letter at wrong address ( Consumers Mothers Residence ) XX/XX/XXXX Consumer contacts PDM via phone stating no knowledge of third party after litigation and to cease inquiring on a debt that is not owed and no contract established by consumer and third party debt collection agency XX/XX/XXXX Consumer notified via credit alerts by credit bureaus of collection. Consumer files dispute with all bureaus of the validity of collection account. XX/XX/XXXX Disputes via XXXX, XXXX and XXXX XXXX Removes account XXXX XXXX account verified. No process of the attempts to verify debt. Needs to have CRA on dispute process. Consumer askes to re investigate. 
XXXX states account follows FCRA requirements following dispute account verified.