Consumer complaint received 2023-04-20
Company: LEXISNEXIS
State: MD
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:
LEXISNEXIS BROKE THE LAW!!!!! 

LexisNexis is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

LexisNexis has disclosed my nonpublic personal information to a nonaffiliated third parties. LexisNexis has provided XXXX, XXXX, XXXX, and XXXX with information on me without providing me with disclosure in writing or electronic form or other form permitted by the regulations prescribed undersection 6804 of this title. LexisNexis has not given me time that such information is initially disclosed, to direct that such information is not disclosed to such third party. LexisNexis has also failed to give me an explanation on how I can exercise that nondisclosure option. 

I gave LexisNexis two opportunities to correct the above-mentioned violation since XX/XX/2023. LexisNexis had over 30 days to correct these violations. My rights have been violated. To correct each violation, means remove all items/information LexisNexis has collected on me as LexisNexis does not have my consent and never had my consent to collect information on me nor provide that information to third parties. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. I gave LexisNexis over 30 days to remove the file LexisNexis has created on me without my consent. As of today, LexisNexis has removed XXXX records from the LexisNexis Report created by LexisNexis on me. Deletion is admission. LexisNexis still has not removed the entire file they created on me. LexisNexis continues to move in negligence and LexisNexis is liable. I am asking the CFPB to step in and help resolve this matter of negligence and continued wrongdoing of LexisNexis to me.

Company response to consumer: Closed with explanation