Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (WV)

Case number : XXXXBackStatusCompany respondedXXXX XXXX, XXXX said : Explanation of closureXXXX XXXX, XXXX ( XXXX ) has reviewed the complaint filed by XXXX XXXX XXXX. Please be informed that the lien information he is referring to is not information contained on XXXX files, but rather public record data shared with XXXX by Lexis-Nexis Risk Solutions Bureau, LLC during an inquiry transaction made on XXXX XXXX, 2015. XXXX ' member financial institutions XXXX subscribe to an inquiry service which includes a call out to Lexis-Nexis Risk Solutions Bureau, LLC. The information returned as a result of the call out is displayed on a XXXX consumer disclosure report for a period of ninety days from the date of the inquiry unless a new inquiry is made before the ninety day period expires, at which time it would be replaced with the more recent data. XXXX is not informed of the specific details of the data returned by Lexis-Nexis Risk Solutions Bureau, LLC, such as who placed the lien on XXXX XXXX 's file and when it was placed. As we have previously informed XXXX XXXX, Lexis-Nexis Risk Solutions Bureau, LLC has verified the information to be accurate, however, in order for XXXX XXXX to obtain any additional information about the public record data on their files, we can only suggest that he contact Lexis-Nexis Risk Solutions Bureau, LLC directly. 

I would like to file a REPORT OR CLAIM, with : XXXX. 
I ask them to tell me WHAT, THE ''LEIN '' was, & for what? They ask me to file ANOTHER XXXX request. Despite me ASKING them to give me FROM WHOM & WHAT WAS THIS ABOUT ... ( NOT ONCE BUT TWICE NOW ) ; XXXX DID ''NOT '' TELL ME WHAT THIS IS ABOUT? I do n't know what this is. They gave me a score of XXXX ... & I was DENIED to be added onto my wife 's Savings Account, for ''XXXX '', last month. 
IF THIS WAS ABOUT .... ( THE PARKING FEE FROM : XXXX XXXX, ... .THAT WAS MOVED TO : SMALL CLAIMS COURT ... ( CASE # : XXXX ), THAT WAS FILED BY : XXXX XXXX. XXXX XXXX ... ( XXXX XXXX POLICEMAN ) ... .CFPB ... 
Case number : XXXX ... ... ( BELOW ), RESPONSE FROM : XXXX XXXX XXXX. 
StatusCompany responded .... ( BLEOW ) : XXXX, XXXX .... ( XXXX, XXXX, XXXX XXXX XXXX said : Explanation of closureThank you for submitting your complaint on XXXX XXXX, 2015, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate you moved out of country and stayed there for almost 5 years and never used your credit during that time. You further indicate that when you arrived back to the states you tried to get bank loans and were surprised to find out you were being turned down for credit. You are disputing XXXX collection account that is for a cell phone. You state that is inaccurate as you were out of the country at the time the cell phone was purchased. You further state you paid it off anyway because they told you the email address they had was for your daughter. You also indicate there is a judgment on your report for a car that your daughter was using. You state you instructed her to pick the car up and she told you she did. Then you received a call to find out the car was abandoned at the airport. You told them to auction the car and pay off the balance and parking fees. You are requesting that the XXXX disputed items be removed from your report. You also state you have many addresses, names and SSN 's on your report but you did not specify which ones it is that you are disputing. 
The first collection item you mentioned did not appear on your current credit report. At your request to conduct an investigation, we contacted the public record vendor to verify.