Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX GA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

The date you contacted the individual funishers of information. The method of communication you used to verify the information I am writing to dispute the validity of a debt that has been reported by your credit reporting agency. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), the Truth in Lending Act ( TILA ), and other relevant statutes, specifically 15 U.S.C. 1692g, 1681e, 1681b, 6802, 1681a, 1602, 1692e, 1666b, 1681i, 1602 ( i ), and 1681s2, I am requesting validation of the debt, verification of the accuracy of reported information, information regarding the permissible purpose for accessing my credit report, disclosure of relevant lending terms, adherence to fair debt collection practices, and compliance with the requirements for furnishing information to consumer reporting agencies. 
Under 15 U.S.C. 1692g, it is required that you, as a credit reporting agency, ensure that the information you report is accurate and valid. Therefore, I request that you investigate the following items related to the debt in question : The name and contact information of the original creditor.

The original account number associated with the debt.

Detailed documentation establishing the nature and validity of the debt, including the amount owed, the date of the last payment, and an itemized breakdown of any additional charges or fees.

Proof that they are authorized to collect this debt, including a copy of the assignment or purchase agreement.

Furthermore, in accordance with 15 U.S.C. 1681e, I am also requesting verification of the accuracy of any information that has been or may be reported by your agency. Please provide documentation that demonstrates the proper reporting, including dates, amounts, and any other relevant information.

Additionally, as outlined in 15 U.S.C. 1681b, it is required that credit reporting agencies disclose the permissible purpose for accessing and reporting my credit information. Therefore, I request an explanation of the permissible purpose obtained my credit information and reported it to your agency.

Moreover, in compliance with 15 U.S.C. 6802, I request that you disclose any and all information you have about the origin, purpose, and use of the debt, including any agreements or contracts that may exist between and the original creditor.

Furthermore, as per 15 U.S.C. 1681a, I am entitled to a clear and accurate disclosure of the terms and conditions of any credit or loan, including the annual percentage rate ( APR ), finance charges, and any other relevant information. I request that you ensure the accuracy of these terms and provide me with a copy of the loan agreement and a breakdown of the applicable terms.

In addition, pursuant to 15 U.S.C. 1602 ( i ), I request that you comply with the consumer protection provisions of the Truth in Lending Act. This includes providing clear and accurate disclosures related to the terms and costs of credit, ensuring the accuracy of information reported, and protecting consumers from unfair or deceptive practices.

Lastly, in accordance with 15 U.S.C. 1681s-2, I request that you fulfill your obligations as a furnisher of information to consumer reporting agencies. This includes conducting a reasonable investigation of any disputes raised by consumers, correcting or deleting inaccurate information, and providing notice of any corrections made. I also request you remove all inquiries from my report that I do not have accounts with.

I kindly request your prompt attention to this matter and a written response within the timeframe mandated by law I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law