Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NV

Complaint narrative:
Consumer complaint narrative Name : Dear Credit Reporting Agencies : XXXX : XXXX XXXX XXXX XXXX, GA XXXX : Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX or XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX XXXX XXXX XXXX, CA XXXX Issue : incorrect information ; information reported inaccurately, and given out without written consent, in addition to disclosing my information to a third-party affiliate without my consent violating the terms and conditions of said institutions below. Subject : Fair Credit Reporting Act, 607 15 USC 168le ( b ). Account information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is incorrect, and charge offs are under the definition of a Certificate of Indebtedness therefore falls under the listing as income thus any income, must be removed immediately as it is most certainly a violation per the Privacy Act of 1973 I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 168le ( b ), Compliance Procedures As per Section 607, Accuracy of Report, As a consumer XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX, Lexis Nexis and XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX Lexis Nexis and XXXX ) the financial institution ( s ) and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX, Lexis Nexis and XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 15 USC 1681 section 602 a states. There is a need to ensure that consumer reporting agencies ( XXXX, XXXX & XXXX ) must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I have also included a copy of my credit report with the inaccurate Information I am requesting to have removed, please update my file promptly. There shall be No other address ( 9 violations listed, 9 Non-mailable addresses ), name ( s ), or unrelated number ( 11 Violations Listed ), the only and correct reporting name, Only mailable address, sole address and only phone number is : Exhibit A : XXXX XXXX XXXX Current Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Currently listed phone numbers any other non-mailable ( 11 Listed Non-Mailable ) addresses, names and ( 11 Listed contact numbers of no relation ) these contact numbers are fraudulent and subject to violations per federal FCRA & The FTC hereunder 5 USC 522 ( a ) including 17 CFR 424, No authorization of any and all promotional inquiries, revokes access to viewing my information without my consent. As it comes to my understanding my information compromised or in other words was given to a third party affiliate Company ( XXXX XXXX XXXX, Lexis Nexis and XXXX ) which violates 15 USC 6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information As it shows below are accounts with numerous and various falsely reports of incorrect/unverified information. : Account information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 16 CFR 433.2 is a federal regulation that preserves the consumers ' claims and defenses against a creditor or assignee of a contract12. This means that if a consumer buys something on credit from a seller, and the seller transfers the contract to another party, the consumer can still raise any claim or defense that they had against the seller to the new party. The regulation does not create any new rights for the consumer, but only protects the existing ones. Along with these institutions inquiring on my information without my consent : under the category of financial institutions Which violates my rights within the Privacy Act of 1974 5 U.S.C. 552a ( e ) ( 3 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX LISTED STUDENT LOANS FROM THE FOLLOWING ) DEPT OF ED / XXXX XXXX The inclusion of the Department of Education is a direct violation of The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), as it pertains to the privacy of student education records. Additionally, the disclosure of nonpublic personal information without proper notice and consent is in violation of various sections of the United States Code, including 15 U.S. Code 6801, 6802, and 6805. Please UPDATE the student loan accounts to PAID AS AGREED. DO NOT REMOVE. I am opting out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, per 15 USC 6802, as a Federally Protected Consumer under the Fair Credit Reporting Act. I have used 16 CFR 313.7 as a reference to opt-out as well. Please remove any late payments from my credit as well. According to 16 CFR 444.4, it is an unfair act or practice within the meaning of section 5 of that Act for a creditor, directly or indirectly, to levy or collect any delinquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period when the only delinquency is attributable to late fees or delinquency charges assessed on earlier installments. Furthermore, I am requesting the removal of all hard and soft inquiries from my credit report in accordance with 15 U.S. Code 1681b, as there has been no explicit written instruction for such inquiries. 99.38 ( Such Listed Inquiries in question with no permissible purposes. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) What conditions apply to disclosure of information as permitted by State statute adopted after XX/XX/XXXX, concerning the juvenile justice system? 
( a ) If reporting or disclosure allowed by State statute concerns the juvenile justice system and the system 's ability to effectively serve, prior to adjudication, the student whose records are released, an educational agency or institution may disclose education records under 99.31 ( a ) ( 5 ) ( i ) ( B ).

( b ) The officials and authorities to whom the records are disclosed shall certify in writing to the educational agency or institution that the information will not be disclosed to any other party, except as provided under State law, without the prior written consent of the parent of the student. Regarding promotional inquiries, I have identified the following entities XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Credit Report Soft Inquiries : XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect immediate action to address these promotional inquiries, as outlined by the relevant legal provisions, with each violation incurring a penalty of { {$1000.00} }. In accordance with 5 U.S.C. 552a ( g ) ( 1 ) ( C ), I may pursue legal action for any failure to maintain accurate, relevant, timely, and complete records that result in adverse determinations. If it is determined that the agency acted intentionally or willfully, or in error. I may seek damages in accordance with the mentioned statute. Please provide instructions on where I should send my invoice for the promotional inquiries, as each violation incurs a { {$1000.00} } penalty, as per the aforementioned legal provision. I look forward to your prompt attention to this matter and the resolution of these privacy violations.15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, Your cooperation in this regard is greatly appreciated. 
In suit for compensation for inconveniences, I request to be compensated {$00.00} for these violations along with the permanently immediate removal of accounts above affecting credit in any way. I have been injured as a result. suffer financial loss, embarrassment, lack of better/sufficient health care, respectful living standards, rejection from acquiring things to live my life as the Beneficiary of said rights above. Equity regards the beneficiary as the true owner.

Company response to consumer: Closed with explanation