Consumer complaint received 2023-07-19
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the reporting activities carried out by LexisNexis to credit reporting agencies concerning my personal credit information. It has come to my attention that LexisNexis has been reporting my credit information despite the absence of any contractual agreement or permissible purpose for such reporting. This dispute serves as a formal demand for LexisNexis to immediately cease and desist from reporting any information related to my credit profile to any credit reporting agencies. 
I want to bring to your attention the following key points that form the basis of my dispute : Lack of Creditor Relationship : At no point in time have I engaged in any creditor-debtor relationship with LexisNexis, nor have I ever entered into a contractual agreement that authorizes LexisNexis to report my credit information to any credit reporting agencies. Absence of Permissible Purpose : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, clearly states that consumer reporting agencies, such as LexisNexis, may only furnish credit information to third parties with a permissible purpose. To the best of my knowledge, LexisNexis has not obtained any permissible purpose to report my credit information, and as such, any such reporting is in direct violation of the FCRA. Violation of Statute Codes : LexisNexis ' actions are in direct violation of multiple federal and state laws, including but not limited to : a. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2 ( a ), b. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e, and c. Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5481 ( 12 ). Request for Investigation and Compliance : I demand that LexisNexis conduct an immediate investigation into the reporting activities concerning my credit information. Furthermore, I request that you provide documented evidence of any permissible purpose granted to LexisNexis for reporting my credit information to credit reporting agencies. Failure to provide such evidence will be taken as an admission that no permissible purpose exists. Cease and Desist : As per the FCRA and other applicable laws, I demand that LexisNexis immediately cease and desist from reporting any information regarding my credit profile to any credit reporting agencies. Any further reporting without a lawful permissible purpose will be deemed a willful violation of the FCRA and other relevant statutes, subjecting LexisNexis to potential civil and criminal penalties. Confirmation of Compliance : Within 30 days of receipt of this letter, I expect a written response confirming LexisNexis ' compliance with my request. This should include details of the investigation conducted, proof of any permissible purpose, and confirmation of the cessation of reporting to credit reporting agencies. LexisNexis immediately cease and desist from reporting data concerning my consumer credit information and all data concerning my personal social security number to credit reporting agencies. Please be aware that I am keeping a comprehensive record of all communications regarding this matter, and I am prepared to take further legal action if necessary to protect my rights under federal and state laws. I expect a prompt and appropriate response to this dispute letter. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation