Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NV)

To the CFPBOmbudsman ; I am a XXXX, elderly woman living in XXXX Nevada. I have had some issues with my rental credit in the past, however, I have made amends to the establishments and have even gotten the court judges to drop my case from their files. The courts also supplied me with letters and documentation as proof of my actions. I am attaching the letters of proof to this email for your consideration when replying to me in regards to what assistance you might be able to give me and direction in which to go from here. I have filed several complaints and disputes regarding having these negative items removed from my reports per the judges in kind. Here in XXXX Nevada, there is a function all too familiar to some consumers in regards to apartment credit checks. The upper-end apartments in clean, safe suburbia with access to bus lines, walkability and for those of us with no means of transportation, half the price of rent on brand new apartments built for low income, XXXX, or elderly have only one credit checking website that they utilize ... XXXX  and LexisNexis. I have disputed incorrect, outdated information, and provided explicit proof for about 8 months straight trying to pass a rental property credit check that these affordable, brand new apartments rejected me in after hundreds of dollars in credit checks just trying to move into a safer, cleaner neighborhood for half the price of where I live now. Every month there are at least two homicides within blocks of my roach-infested, slum-lord apartments I have lived in with perfect renters credit for 6 years ... NEVER LATE ... 2-3 DAYS PAID IN ADVANCE. These extremely affordable, better-suited apartments average about 400 per month with all the luxuries and section 8 applicable. They have taken every dime of the credit check money with a smile knowing that they were not ever going to allow me to move in and this was because the XXXX/LEXISNEXIS credit reporting agency says that they don't care what the judgment in court did to help me continue my exemplary renter 's credit. They continue to this day to take my dispute and reply that they basically don't care and are not ever going to remove the outdated and incorrect information from my XXXX/LEXISNEXIS renter report. I am forced into indefinite punishment for unwarranted demise due to something that has been rectified, accepted by the judicial courts ( eviction ) as a forgivable incident of which I have not incurred in 6 and a half years. I have perfect renters credit. However, in XXXX, it's common knowledge that these two credit agencies work hand in hand with upper end more affordable apartments in safer neighbors to the leasing agents. Certain people are just not going to be accepted as a tenant based on other conditions in question and XXXX helps the leasing agents maintain social operation among its tenants. 

I am not perfect. I have, like everyone on the planet, had some hard or discouraging developments in the past, but I recovered and worked hard to live out the rest of my maybe short life happy and with feelings of accomplishment in m older years and retirement. I was blessed to be so young to retire early and now I just want some stability, a permanent home, and not to constantly move from one slum to the next only to find out that it's twice as bad as the one I left. I have attached a short video of what I have been forced economically to withstand for two years now ... and it gets worse. 

As I said before XXXXXXXX/LEXISNEXIS refuse to correct this incorrect and outdated information on my report and the courts and judge say they should be ashamed and should remove it. Other than that, my report is perfect. I am XXXX and trying to stop living like I'm working again paying XXXX rent on a {$1700.00} income in destitute and unlivable conditions. It's amazing to have a XXXX XXXX XXXX built with my own hands and determination to constantly hear the words .... '' I'm really, there's nothing we can do. By the way, the XXXX deposit to hold the apartment will be reissued by mail in about 8 weeks. It's coming from corporate. " ( devilish grin ) Ok, so much for having money to do other things or look elsewhere until that check comes in the mail. 

I am so sorry if I sound familiar that the poor little old lady with an eviction 6 and half years old in her past begging for help after her dubious blunder. I need an advocate. I have investigated and sought assistance from legal aid, tenant/landlord services, XXXX Fellowships XXXX XXXX Charities ( Peace be with you ), the City of XXXX, etc. Doors shut -- -locked -- -forget about it. I don't give up. I am not afraid or too proud or too angry to reach out time and time again for the help. If you can't do anything, at least refer me to someone other than a XXXX dollars. XXXX? 

How can you help me get this unflattering derogatory, outdated, corrected information off my XXXX/LEXISNEXIS rental report? Will you give me a chance to help someone else in kind after which? Pay it forward. I have an Ombudsman assisting me with my {$11000.00} XXXX XXXX medical bills right now. So, you can imagine when I was reading the consumer assistance data from the credit report, how elated I became to see that there is also an advocate Ombudsman for those of us being scrutinized and deterred from an equal quality of life. All I know is that people that they want to pass the credit checks regardless of similarities, somehow move in and with no deposits, first and last, reduced rent, and third-floor majestic views from the balcony of their never-lived-in apartments. Somewhere, somehow, someone is what I need. 

This is no urgent matter anymore but I'd like to see some improvement without guardrails and keep-out signs. I was quickly qualified for the apartment I was left for choice in the projects. I move in on XX/XX/XXXX and as usual, the complex welcomed me in with no deposit, on good credit standing through XXXX ; however the catch ...... 

I have to move in accepting that the apartment is in renovation and not ready for move-in. They are desperate to fill the units. My medical XXXX is going to suffer from my transgressions. Sometimes, prayer just isn't enough. 

Please feel free to contact me using the information I provided below. I need to at least hear some advice and a possible fix. I don't know how you work or what you can or can not do, but please don't delete this letter and forget about me. I'll be standing humbly behind you waiting my turn. It's not fair that XXXXLEXISNEXIS is refusing to delete this derogatory information from my file. How can you help?