Consumer complaint received 2023-07-20
Company: LEXISNEXIS
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Subject : Complaint Regarding Inaccurate Information on My Credit Report by LexisNexis Dear Sir/Madam , I hope this letter finds you well. I am writing to file a formal complaint regarding the inaccurate information that continues to be reported on my credit report by LexisNexis. Despite numerous attempts to rectify the situation through multiple letters, emails, and phone calls, I have not received a satisfactory response or seen any corrections made to my credit report.

I have diligently reached out to LexisNexis on several occasions, detailing the specific inaccuracies present on my credit report. In my last phone call to their customer service, a representative acknowledged the issue and assured me that the necessary corrections would be made promptly. However, to my dismay, the inaccurate information persists, and I am deeply concerned about the negative impact it is having on my creditworthiness.

Furthermore, it is particularly frustrating that LexisNexis has been unable to communicate with me directly due to the inaccurate information they have on file. This situation has led to a lack of progress and delayed resolution, leaving me in a vulnerable position and unable to exercise my rights as a consumer.

I hereby request the Consumer Financial Protection Bureau 's intervention to ensure that LexisNexis promptly addresses my concerns and takes the following actions : 1. Conduct an immediate and thorough investigation into the inaccuracies present on my credit report.

2. Verify the accuracy of the disputed information with the relevant data furnishers.

3. Promptly correct and update my credit report to reflect accurate and verified information.

4. Provide me with written confirmation of the corrections made to my credit report.

I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, as I have made reasonable efforts to resolve this matter directly with LexisNexis, but they have not taken the necessary actions to rectify the situation. 

I am attaching copies of the correspondence I have sent to LexisNexis as evidence of my diligent attempts to address this issue and demonstrate my willingness to cooperate. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against LexisNexis for their failure to comply with the FCRA and their continued reporting of inaccurate information on my credit report. 

I kindly request that you keep me informed of the progress of your investigation and any steps taken to resolve this matter. Please feel free to contact me at the provided email address or phone number if further information is required. 

Thank you for your attention to this serious matter. I look forward to a swift resolution and the removal of the inaccuracies from my credit report. 

[ Enclosures : Copies of previous letters and emails to LexisNexis ]

Company response to consumer: Closed with explanation