Mixed files can occur when the information provided to LexisNexis is wrong—such as if an auto insurer confuses two drivers when sharing its information. But mix-ups can happen even if the information provided to LexisNexis is right. For example, the insurer that covered both Thomas Tolberts provided a document that showed its records hadn't confused the two. When LexisNexis doesn't have—or doesn't use—enough information about an individual when running a search, that can result in multiple people's data ending up on one person's report, according to attorney John Soumilas.
The Philadelphia-based consumer lawyer has represented plaintiffs on multiple lawsuits against the company. For example, Soumilas' firm won a lawsuit in representing David Smith, a Michigan man who was initially denied a job after his background check turned up a criminal record belonging to a different David Smith.
According to the judge's ruling, LexisNexis hadn't required the employer to provide a middle name. Lawyers for LexisNexis contested the verdict, arguing that it had no prior notice that its procedures presented a problem, nor did it know of a reasonable alternative matching procedure that it failed to use, according to a court filing. An appeals decision agreed and found that LexisNexis had not willfully violated its obligations.
In her experience, LexisNexis includes information even if names don't match, according to Kelly, the consumer attorney in Virginia. Kelly says she recently reached a settlement for a client whose car insurance premiums skyrocketed after LexisNexis placed accidents and claims belonging to four other people on her client's report. The other people's names were spelled differently from her client's, and the birthdates and Social Security numbers didn't match, either, Kelly says.
Common names can increase the risk for a mixed file at LexisNexis and other similar companies. So can non-Anglicized names, which might not fit neatly into companies' matching algorithms, according to Kelly. James Francis, a colleague of John Soumilas who says he has obtained settlements with LexisNexis and companies like it for 20 years, complains that LexisNexis seems to view its obligations to accuracy as "minimal, at best.
No matter how an error begins, LexisNexis' wide reach means consumers need to correct any misinformation the company spreads. But, as some consumers have learned, it's much easier to find an error than to fix one. LexisNexis has a dispute process for people who have found inaccurate or incomplete information on their file. The client of Kelly's who faced sky-high car insurance rates got her record corrected within a few weeks after filing her dispute.
But for some, the process is less straightforward. The first step is to request a copy of your personal report. Fard, the writer, says it took three attempts over eight months to receive hers, after getting conflicting answers from customer service about whether it was possible to dispute the report. Jaynes says he had similar difficulties.
When Fard did finally receive her report, she says it contained her personal information along with data on her sister and her sister's boyfriend.
She notes that the report had her sister's name on it, but it came to Fard's address. She says that for her, "It just seems like LexisNexis records are a mutation of information that just snowballs. For consumers who have a job offer or an insurance policy on the line, LexisNexis' dispute process—even if it goes smoothly—may not be fast enough. Spoofing is the deliberate falsifying of information transmitted to a caller ID display to disguise an identity.
The scammers obtain or verify personally identifiable information from their victims through various tactics, including by telling individuals that they are the victims of identity theft.
The scammers also pose as law enforcement or immigration officials and threaten victims with arrest unless they make payments to the scammers using a variety of methods. Individuals receiving phone calls from these numbers should not provide any personal information. To follow best practice guidelines, pension providers are required to keep up-to-date details of scheme members and also be aware of any changes in personal circumstances.
Your pension scheme has appointed us as they wish to contact you to discuss changes to your plan. The address is the last known residence for you as supplied by the company that has secured our services. Alternatively, we could have performed a desk-based trace, which involves searching different databases to find the address. You will NOT be charged for our services. The company that has appointed us will incur all the associated costs. We recommend you still get in touch with us as experience has shown that pension plans occasionally change their names.
Alternatively, the company you previously worked for may have been taken over and is now known by a different name. November 13, - I have some concerns about records Lexis Nexis is furnishing to the credit bureaus. I do n't think the information is accurate. I have contacted the court and they did not furnish this information to -.
This accounts are not mine and - sent me a letter attached as to the furnisher of the information. This is third hand information and hearsay. They did not verify this account as the address attached to this filing is not even mine.
There are additional inconsistencies that I have advised - of in my consumer legal action. I disputed the accuracy with - and the results of their in LexisNexis Credit reporting improper use of my credit report report improperly shared by crc.
I was recently married as a result of the - Courts historic ruling in - - - and my last name changed. As a result they use that as a separate person despite sharing everything else! This is egregious as a victim of identity theft to have them do this type of bait and switch. Is it only against - and - individuals? Some animus toward us?
Its the same social security number and address and there for the information should not be accessible to anyone! I repeat i have more LexisNexis Money transfers money was not available when promised. She is charging For : Lost Credit Cards. I called - to correct problem. I have statement she, s going to correct the problem.. Issue is - - - Account only - Order e-checks. They say, s pay For : Credit Cards out of the e-checks. I sent the money with permission by me as Customer at - fees.
She should have in mail. She say, s she did not LexisNexis Credit reporting incorrect information on credit report account terms. Basically, this agency types up a standard template response in an attempt to quickly close consumer generated complaints. In fact, under original complaint filed with the CFPB - filed on - -, , this agency stated that they would make the appropriate corrections within the 30 day Fair Credit Reporting Act.
Well, it is now almost 60 days, and this disorganized, unethical company has not provided any updates, no communication, nor have they followed the Fair Credit Reporting Act. It is no wonder t LexisNexis Credit reporting incorrect information on credit report account status. May 2, - Lexis Nexis, on or about - - -, reported inaccurate information on a consumer report they provided to the Office of Personnel Management.
Report prepared was a consumer report under 15 USC a d because it was a written communication, prepared in the ordinary course of business, containing information bearing on my credit capacity, character, or general reputation, known to Lexis to be used for employment or determination of credit worthiness.
That is inaccurate information April 27, - I ordered a free clue report online to see what was going with my insurance score and credit report this website on Lexis Nexis indicated they follow all governmental policy and procedures so I ordered it from them. The website asked for all of my personal information along with social security information which I provided for my free report I entered everything in and the site redirected me to my account page to access my report but there was nothing there?
I emailed support and the responded with the exact same steps I performed the first time and said my case was resolved?? I : E see quotat April 25, - I have repeatedly tried to obtain a copy of my - report. Each attempt has resulted in some type of error online, or " unforeseen error '' in the voice response system, which is itself very difficult to use and sounds as if its - years outdated. I have made at least a dozen attempts total. It seems as if the system is deliberately difficult to use and is almost always non-functional in an attempt to deter consumers from obtaining what is rightfully theirs to access per FACT act and FCRA.
All other CRA 's have simple to use online interfaces allowing the consumer to access their reports im April 11, - I filed a complaint against Lexis Nexis for inaccurate information contain in their consumer files. Lexis Nexis has several different division and consumer files which I disputed inaccurate information with the following consumer files : -, -, -, - and -.
To date only one report has been confirmed corrected. I have disputed the information as inaccurate, id LexisNexis Credit reporting credit reporting company's investigation problem with statement of dispute. They will not correct the information. January 27, - Incorrect info regarding collection agencies and auto driving. January 26, - LexisNexis - reported to - - - incorrect Indiana - information.
Called LexisNexis - and asked how to get a certified - record to them so they could delete the incorrect report they were sending out. I was told I can not provide a certified - record and - and the Indiana - is responsible for correcting the incorrect third party information.
I spoke with - ID - o January 19, - I had applied for a loan with Cash Time Title Loans on - -, and this report came from a third party source and I have been identified as a victim of identity theft with a FTC Report and No. My credit report is suppose to be on a 7 year credit freeze however, - - went through a third party.
When I tried calling this number in - GA LexisNexis Credit reporting credit monitoring or identity protection problem with fraud alerts. January 11, - I had requested a copy of my Lexis Nexis report as I was informed by my former employer of a security breach.
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