Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
Lexis nexis I believe is reporting some errors from transunion in regard to why my XXXX premium is higher. Ive also made a complaint against Transunion. Also I believe their information is incorrect and old except for one item XXXX sent me a disclosure form after I did a mock quote with XXXX for a potential move to Florida. XXXX sent me a letter containing four reasons or rather a disclosure letter from the fair credit reporting act of four reasons that might be affecting my credit score premium. Obviously they report this nosense to lexis nexis. On the XXXX fair credit reporting act disclosure the four reasons listed that were provided to LEXIS-NEXIS from Transunion. I believe three out of the four of them are incorrect. 

I have included a copy of the letter I received from XXXX and the reasons why my premium is higher as a result of information transferred to them by Transunion. Id like lexis nexis to remove these false ( imho ) reasons. They said on the XXXX letter that I had. 

Average number of months trades on file too short. What the XXXX does that mean? 

Then it said due to a recent delinquency, which was my XXXXXXXX XXXXXXXX filed in XX/XX/XXXX and it will be over in about five months from now in XX/XX/XXXX it will be completed. That one was fair. But it was almost 3 years ago. Its not like it happened yesterday. So why its being held against me still I dont agree with. 

Then it said I had too many credit card accounts. Well, the truth of the matter is all my credit card accounts were closed back in XX/XX/XXXX when I filed bankruptcy you can look at XXXX XXXX XXXX and you could easily see the list of all my closed accountsXXXX XXXX  report is a mess very confusing And nothing like XXXX or experience. Credit reports XXXX credit report could possibly be outdated old with information that has not been updated. So there is the possibility that XXXX  are submitted to Lexis nexis old, incorrect and erroneous information which obviously XXXX sends over to XXXX and then XXXX sends me the disclosure letter which in turn tells me the reason reasons as why my credit card insurance score is higher, which is increasing my premium rates Lastly, the fourth reason they indicate on the XXXX disclosure letter is that I have insufficient balance on file. ( now what the XXXX does that mean? ). 

I would like for LEXIS-NEXIS to contact XXXX and to make sure XXXX is providing the correct information because XXXX in my opinion is a sloppy non-proficient credit reporting bureau compared to the other two. If it was up to me, I would like to see XXXX  no longer be in business as a credit reporting bureau at all. The car insurance credit scores should be coming from XXXX which always has the highest score and is the clearest report and is the best report out of all three of the credit bureaus why companies use XXXX boggles my mind when I get on XXXX and look at my credit report. It is one big sloppy mess. Im asking LEXIS-NEXIS to contact XXXX or do whatever they got ta do to get some of that false information to stop being reported by XXXX to XXXX. Especially the one that says Ive got too many credit card accounts. I havent had a credit card in almost 3 years. All I have is a debit card and that is it. This is those credit reporting companies just trying to pull a fast one over the American peoples eyes. They simply exist to hurt and injure the American citizens.IMHO financially. They shouldnt exist. 

I will include a couple pages of attachments of proof of the fact that I have no open credit card account that theyre all closed. I have taken some screenshots and I will attach them to this complaint. I would also like for XXXX to remove any claims from my various car insurance companies that occurred over the last five years. Theres a couple on there that I believe are tows one was for being stuck in the mud and one was for a dead battery they shouldnt even be claims they should be erased and removed from my lexis nexis report. I would like for XXXX to examine my report over the last five years meaning my car insurance report and make sure that there are no errors and that anything that shouldnt be on there that it should be removed and that they should contaXXXX XXXX XXXXnd tell XXXX a couple of the items they listed on my letter for the reasons that may be increasing. My premium rate are wrong and erroneous and possibly have not been updated in a couple years. And she straightened that out with Transunion so Transunion can straighten it out with XXXX. So the last five years of my LEXIS-NEXIS report should be clean with the exception of one accident that occurred in XX/XX/XXXX which will be falling off on XX/XX/XXXX in a couple months from now please make sure that happens.and a few simple tows one for a dead battery and one for being stuck in the mud very simple toes that should not even have been Created as claims there was so simple. So please police my report over the last five years there should be hardly anything on my report in regard to car insurance and I think XXXX has old information that has not been updated like them saying I have too many credit card accounts that is absolutely a lie. I have no credit card accounts XXXX as far as I know they are all closed as a result of my bankruptcy that occurred in XX/XX/XXXX XXXX  XXXX so in my opinion, this is false information being provided to XXXX by XXXX  and to LEXIS-NEXIS. Please ensure that everything on my Lexus Nexus report over the last five years should not be reflecting much of anything except the tow claim for a dead battery and one accident in XX/XX/XXXX that will be falling off in a couple months and another tow for being stuck in the mud and thats it thats all that XXXX show over the last five years no accidents no collisions no snow violations nothing and please contacXXXX XXXX  to tell them to update their information. And please contact XXXX to tell him that the information that XXXX  provided to them is incorrect with the exception of the bankruptcy. And especially that having too many credit card accounts that one is a complete lie because I dont have any credit card. Theyre all closed and have been closed almost 3 years. XXXX

Company response to consumer: Closed with explanation