Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MO

Complaint narrative:
Lexis Nexis who is owned by XXXX XXXX XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX and formally known as XXXX XXXX is reporting a Bankruptcy Entry as well as other consumer information in their consumer report that is causing entities such as the XXXX in violation of my HIPAA rights and have caused XXXX XXXX  to take adverse action against me and refusing to approve my Medicaid application because of information that is validated as frozen on my Lexis Nexis Consumer Reports as requested and granted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lexis Nexis did not freeze my consumer report as confirmed in their letter dated XX/XX/XXXX, as noted in XXXX XXXX XXXX, letter is attached hereto to this complaint. As of XX/XX/XXXX, Lexis Nexis is still providing my consumer data in violation of HIPAA to third party agencies inaccurately without proper notice to me or my written consent which I requested on XX/XX/XXXX in my Notice of Beneficiary Privacy sent to Lexis Nexis and all their agents and assigns. 
This is a notice that XXXX. XXXX XXXX Lexis Nexis, et. al is a foreign based government contracted corporation purchasing consumer data using information from government contracted databases from Department of Homeland Security, Department of Justice, the CIA, Department of Education and any government entity you can think of XXXX XXXX XXXX has access to the consumer information through government contracts and XXXX XXXX XXXX is trading this consumer information on the XXXX  XXXX XXXX through Lexis Nexis and using pass-thru securities being approved and traded by XXXX XXXX XXXX without having to fully report this information to the SEC because they are registered as a foreign entity. It is a direct violation of HIPAA and my consumer rights and it is a federal conflict of interest, as well as, unfair and deceptive business practices that this is foreign company has access to my consumer data, my medical data which violates my HIPAA rights, yet, they own a consumer reporting company that sells to the credit bureaus as a third party entity should be criminal and considered espinoge. XXXX  was cited by the FTC for violations to United States consumers and failed to put the proper controls in place to protect consumer data when they operated as XXXX XXXX and simply changed their name by submitting new paperwork to the Securities and Exchange commission and changed their name to XXXX who does not have permission to have access to my social security number nor any of my information and is improperly validating entries on my credit report in violation of HIPAA, the Privacy Act of 1970 and violations of 15 USC Section 168 as well as violations of 17 CFR 240 ; 17 CFR 248 ; 17 CFR 270 ; 17 CFR 275 as they continue to funnel my consumer data though its global subsidiaries as sharing third party information and allowing their contractors to take adverse actions against me as a consumer is unfair and deceptive. I am XXXX XXXX XXXX who lost her Medicaid spend down approval with the spend down amount increased monthly in an adverse action taken by XXXX XXXXXXXX because of information about me as a consumer in a report that was generated from Lexis Nexis as noted in their letter dated XX/XX/XXXX with their decision based upon information from a report from Lexis Nexis. This is against the law as noted in 15 USC Section1681 et seq. Further, it is securities fraud as well as organized crime which is also a violation the XXXX XXXXXXXX XXXX and will be reported. The fact that Lexis Nexis is a consumer verification agency that sells its third party data to the consumer credit reporting agencies and using incorrect data to take adverse actions against consumers in their worse states is crimes against humanity as well. It is criminal, thoughtless and callus all the while you are taking that same data and trading it to create bonds in exchange for capital raising is a violation of our SEC and it further carries some foreign trading violations as well. XXXX through their company LEXIS NEXIS is a conflict of personal interest and violation of trade secrets because you are trading with the very government you are providing the consumer data too in violation of 18 USC 794. I am writing to request the validation and what means of validation were used. Per the letter sent to Lexis Nexis on XX/XX/XXXX signed by XXXX XXXX, Operations Manager who states, " The Court does not report bankruptcy information to the credit bureaus but can verify information. '' I requested validation under oath and attested to that this information being reported in my consumer file that I have never requested to or gave permission to have any personal data validated in accordance with 15 U.S.C. 78dd-1, et seq. related to my consumer data also in accordance with the Privacy Act of 1970 to post, sell, transfer any information that is adverse to me being able to fully utilize my credits that are being utilized by Lexis Nexis, XXXX or any of it agents and assigned as I have attested to under oath. I am requesting that the validation to be under oath from the court official or this is improper use of my credit report by entry that appears on my credit report. According to my credit report, there is a bankruptcy entry listed under my name and Social Address : po box XXXX XXXX XXXX XXXX I am requesting validation of this bankruptcy entry to ensure the accuracy of the information being reported on my credit file. I am also asking for validation of all information shared with XXXX XXXXXXXX after the requested security freeze that cause adverse action to be taken against my Medicaid coverage. It is crucial to me that the information on my consumer report is correct, as it can significantly impact my financial opportunities and creditworthiness. I have not granted your agency permissible purposes to report defaming information to my credit report according to the FCRA 12 CFR 1022 and Federal Regulations under the Foreign Corrupt Practices Act of 1977 as consumer information is protected classified information that is not to be used in any manner that is defaming to me the consumer. To have the Missouri division of Medicaid to take adverse action against me because of Lexis Nexis is a violation of my consumer rights under the FCRA. I am under duress to provide validation of my identity to a company who is stealing my personal information. I have a right to dispute inaccurate unvalidated information and access to my file is limited without proper authorization and validation that I gave you permission or you validated with the court using proper disclosure documents signed by me according to15 USC 1681b. Please provide me with the following information : Validation under oath that the bankruptcy entry is accurate and belongs to me in accordance with 15 USC 1681b with proper attested validation under oath that the documents and affidavit that the documents provided to XXXX XXXX  as Lexis Nexis your corporation with the documents including the chain of command of who you spoke with and whom provided documents under oath to your company with an investigative report with relevant documents associated with this bankruptcy filing and the adverse action taken against me with XXXX XXXX which is a violation of my HIPAA rights under Public Law 104-191. The name and contact information of the third party that provided this information to XXXX XXXX as LexisNexis. I understand that you are required by law to investigate this matter and provide a response within 30 days of receiving this request, as per the Fair Credit Reporting Act ( FCRA ). Additionally, if you are unable to validate the accuracy of this entry, I ask that it be deleted from my consumer file. I look forward to receiving your response within the legally mandated timeframe. Should you not conduct a thorough investigation or use a system such as E-Oscar and not a in person investigation. I will be filing a complaint with the SEC and other federal regulatory because XXXX XXXX XXXX as LexisNexis is securitizing Consumer information for a new issue through XXXX XXXX XXXX  committing organized crime and crimes against consumers and humanity through the SEC by selling personal consumer data like myself on the secondary market for substantial profits which is a criminal violation of identity theft and well as many other federal crimes of securities fraud, organized crime, consumer data theft and conflicts of interest by being a federal, foreign federally contracted through the federal government and using the data collected against the consumers like myself. I will report it to the FTC and the Securities and Exchange Commission, as well as, the Attorney General for a thorough investigation of this criminal enterprise. I do not trust XXXX, XXXX nor LEXIS NEXIS or any of its agents or assigns as it relates of my private data. They are a criminal enterprise.

Company response to consumer: Closed with explanation