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Lexis Nexis (trouble understanding)

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thenicker
Established Member

Lexis Nexis (trouble understanding)

I received my full file report. My question is what can I and can't I dispute?

While speaking to them about disputes I felt as if I couldnt dispute anything. Am I doing something wrong?

I have read that people dispute there old addreses and what not and I was made to feel I couldn't duspute really anything. Only a bunch of phone numbers and e-mail addreses. Shoud I be doing this by the phone or should I just highlight everthing I dont want on there and send it back?

Thanks.
thenicker
Message 1 of 22
21 REPLIES 21
Anonymous
Not applicable

Re: Lexis Nexis (trouble understanding)

Good luck and let us know how it turns out. I haven't seen my Lexis Nexis report, but I know it has at least 5 incorrect things on there because of odd security questions I was asked when applying for a few cards several months ago. I read of others trying to dispute wrong addresses and personal information that never belonged to them and heard they were not successful despite repeated attempts.

 

I don't know how these places get this wrong information, but it is very irritating. Some of the information they had included counties and states I've never lived in (and yes, I'm sure there was no identity theft). They're just plain sloppy in getting information, and unfortunately it shows. Smiley Sad

Message 2 of 22
Revelate
Moderator Emeritus

Re: Lexis Nexis (trouble understanding)


@Anonymous wrote:

Good luck and let us know how it turns out. I haven't seen my Lexis Nexis report, but I know it has at least 5 incorrect things on there because of odd security questions I was asked when applying for a few cards several months ago. I read of others trying to dispute wrong addresses and personal information that never belonged to them and heard they were not successful despite repeated attempts.

 

I don't know how these places get this wrong information, but it is very irritating. Some of the information they had included counties and states I've never lived in (and yes, I'm sure there was no identity theft). They're just plain sloppy in getting information, and unfortunately it shows. Smiley Sad


Well it's not like they have a monopoly on that.

 

Equifax didn't update my current address;  OK, no problem, simple dispute and upload my mortgage statement, off we go.

 

Post dispute they did some crazy meld of the two addresses together.  Now on round two of filing a dispute.




        
Message 3 of 22
Anonymous
Not applicable

Re: Lexis Nexis (trouble understanding)


@Revelate wrote:

@Anonymous wrote:

Good luck and let us know how it turns out. I haven't seen my Lexis Nexis report, but I know it has at least 5 incorrect things on there because of odd security questions I was asked when applying for a few cards several months ago. I read of others trying to dispute wrong addresses and personal information that never belonged to them and heard they were not successful despite repeated attempts.

 

I don't know how these places get this wrong information, but it is very irritating. Some of the information they had included counties and states I've never lived in (and yes, I'm sure there was no identity theft). They're just plain sloppy in getting information, and unfortunately it shows. Smiley Sad


Well it's not like they have a monopoly on that.

 

Equifax didn't update my current address;  OK, no problem, simple dispute and upload my mortgage statement, off we go.

 

Post dispute they did some crazy meld of the two addresses together.  Now on round two of filing a dispute.


Not saying there are never problems with the main 3 agencies; but there are weird inaccuracies with IDA, Sagestream, and Lexis Nexis that those agencies don't seem to acknowledge nor let anyone fix.

Message 4 of 22
Revelate
Moderator Emeritus

Re: Lexis Nexis (trouble understanding)


@Anonymous wrote:

@Revelate wrote:

@Anonymous wrote:

Good luck and let us know how it turns out. I haven't seen my Lexis Nexis report, but I know it has at least 5 incorrect things on there because of odd security questions I was asked when applying for a few cards several months ago. I read of others trying to dispute wrong addresses and personal information that never belonged to them and heard they were not successful despite repeated attempts.

 

I don't know how these places get this wrong information, but it is very irritating. Some of the information they had included counties and states I've never lived in (and yes, I'm sure there was no identity theft). They're just plain sloppy in getting information, and unfortunately it shows. Smiley Sad


Well it's not like they have a monopoly on that.

 

Equifax didn't update my current address;  OK, no problem, simple dispute and upload my mortgage statement, off we go.

 

Post dispute they did some crazy meld of the two addresses together.  Now on round two of filing a dispute.


Not saying there are never problems with the main 3 agencies; but there are weird inaccuracies with IDA, Sagestream, and Lexis Nexis that those agencies don't seem to acknowledge nor let anyone fix.


Oh sorry I wasn't trying to defend them was just overly brief... again!

 

I've reviewed mine but fortunately mine are mostly OK, but I'm getting sorely tempted to just freeze them away and go on with life.




        
Message 5 of 22
Anonymous
Not applicable

Re: Lexis Nexis (trouble understanding)

I think I need to pull mine because a couple weeks ago I had a minor issue with my NASA credit card and they asked me some verification questions about 'family' members and I failed it twice because they kept asking questions about the names of people that do not exist in my family and I had to do nothing but guess.  The CSR said it's very common for that to happen especially involving family.  Fortunately was able to resolve the issue another way but it was frustrating.  

Message 6 of 22
Revelate
Moderator Emeritus

Re: Lexis Nexis (trouble understanding)


@Anonymous wrote:

I think I need to pull mine because a couple weeks ago I had a minor issue with my NASA credit card and they asked me some verification questions about 'family' members and I failed it twice because they kept asking questions about the names of people that do not exist in my family and I had to do nothing but guess.  The CSR said it's very common for that to happen especially involving family.  Fortunately was able to resolve the issue another way but it was frustrating.  


Huh, I had a brain fart the other day when an identity question came up regarding my mother's maiden name... which I've never given to a creditor (well before Alliant said they needed it on the account to do an online password reset) and it likely was pulled from one of these datasets.  

 

Time to get my tookus in gear and start checking them all I guess.  Thanks for the prodding!




        
Message 7 of 22
thenicker
Established Member

Re: Lexis Nexis (trouble understanding)

Im not sure, but I think its kinda right to have information abut my former landlords ETC. Been a great tenant, but there is specific information I should not know. Also there is a age with about 15 entries from Experian and Equifax. I told I could not dispute them. I really dont know what there for, but was reading previous posts on lexis. So I asked and they did everything in there power for me not to delete. They also said that Lexis Nexis does not supply the information to them. They said the cra's supply the information to Lexis Nexis? If this is correct where are the cra's actually getting there information from? Ike public records.
thenicker
Message 8 of 22
thenicker
Established Member

Re: Lexis Nexis (trouble understanding)

Kinda not right haha.
thenicker
Message 9 of 22
Anonymous
Not applicable

Re: Lexis Nexis (trouble understanding)

I believe the practices of these "other" reporting agencies are sloppy and suspect, and they don't always get information from legitimate sources. There are apparently addresses on LexisNexis for me because they just randomly grabbed an address of someone with the same last name whom I don't know and who lives in a totally different state. And I'm positive it's not an identity theft issue, it's just these rather worthless secondary agencies picking up easy (and incorrrect) information in a sloppy manner.

 

When I've been asked security questions a few times by two different lenders, I have come to know what the "incorrect" answers are that they are looking for and provide those answers (inclouding questions about a car I've never owned). Pretty sad to have to do that because of their sloppy business practices, and from what I have seen others on the board reporting, these secondary ( I call them second rate) agencies will not remove incorrect information.

 

There really needs to be some oversight of these types of agencies who do this.

Message 10 of 22
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