Consumer complaint received 2023-01-31
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it May Concern, this is my FINAL notice that I am writing to inform you that upon reviewing the latest copy of my consumer report file, I have still noticed several items that are erroneous, inaccurate, and illegal.

Therefore, I am once again requesting the description of the procedure used to validate the accuracy and completeness of these items on my consumer report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681b ( a ) ( 2 ), credit reporting agencies dont have the right to report anything on a consumers credit file that isnt in accordance with the written instructions of the consumer. If you cant furnish verifiable proof with my signature on it, you have committed an illegal act and according to the Fair Credit Reporting Act, 15 U.S.C. 1681a ( q ) ( 3 ), you are enabling and gaining financial wealth from comitting IDENTITY THEFT.

LexisNexis has continuously been under fire with numerous past and current lawsuits for violating privacy and consumer protection laws by collecting and combining extensive personal information on people without their consent and selling it to a range of third parties. In XXXX, LexisNexis paid {$13.00} million in a class action settlement approved by a Virginia federal judge. The 200 million members of the class filed a lawsuit against LexisNexis, alleging that the company sold its Accurint reports to debt collectors and did not handle those reports as consumer reports as they should have under the terms in the FCRA. 

In XXXX, LexisNexis reached a settlement of over {$5.00} million in response to a class action lawsuit that alleged the company sold XXXX data to law firms, which then used it for their own business purposes. The news highlights how data from state XXXX can be abused and how it can be leveraged for financial gain. 

Also, recently, as of XX/XX/XXXX, immigration lawyers have filed suit against LexisNexis and the lawsuit alleges LexisNexis has helped create a massive surveillance state with files on almost every adult U.S. consumer. It is a known public fact that for many years, LexisNexis was the exclusive provider of tax lien and civil judgment information to the three major credit reporting agencies which are XXXX, XXXX, and XXXX. 

In XXXX and XXXX, the Big 3 CRAs stopped reporting public records and tax liens as part of three nationwide class action settlements. 

As a result, LexisNexis has decided to take advantage of the major consumer reporting agencies decision to stop selling LexisNexiss data by marketing and selling its public record data in its own consumer reports. 

Up until now, LexisNexis uses automated procedures and vendors to collect information regarding judgments and tax liens that undergo little to no quality control, and such information is not adequately updated nor correct. 

LexisNexis continues to disregard inadequate procedures despite consumer disputes, and instead of rectifying it, they rely on consumers to clean up their own files via the dispute process after learning of any inaccuracy rather than ensuring that the data it was collecting was accurate in the first place. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681i, all inaccurate or incomplete or can not be verified accounts must be promptly deleted.

Please be aware that in several cases, the courts clearly ruled that the credit reporting agencies couldn't merely parrot information from the creditors, collection agencies, and other sources. All credit reporting agencies must conduct an independent and reasonable investigation to ensure the validity of the debt in dispute. Do NOT shift the burden back to me, the consumer, to contact the original creditor to furnish verification. 

Also, pursuant to FCRA Section 623 ( a ) ( 3 ), if a consumer disputes an account, it must be marked as disputed. By publishing these inaccurate, incomplete, and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Therefore, this is my formal notice of intent to sue for your violations of the FCRA and I am seeking full remedy for damages. I am formally demanding {$20000.00} monetary compensation and deletion of allnegative accounts due to defamation of character and denial of credit. If my demands are not met, a civil suit will be filed in small claims court in XXXX  Magistrate Court. 

Here are the FCRA violations that I am seeking remedy for : -ID Theft enabling -Furnishing/Reporting inaccurate information -Old and outdated personal information -Reporting closed accounts as open/active -Illegal consumer report requests -Impermissible purpose -Failure to follow debt dispute procedures -Failure to conduct reasonable investigation -Reporting missed and/or late payments wrong -Privacy Violations -Reporting old debt as new or re-aged -Reporting information from over 7 years ago -Failure to notify that consumer disputes -Duplicate accounts The following erroneous information appears on my consumer report and so I demand to see verifiable proof ( an original consumer contract with my signature on it and permissible purpose for all inquiries to my consumer file ). 

Erroneous Personal Information Please DELETE these INACCURATE ans ALL other addresses, phone numbers, employers, and emails, and social media accounts from my personal information in my consumer file and UPDATE with the correct information only. 


Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everything else besides the CORRECT information must be DELETED. 

Please delete any Personal Statement from consumer file.

Inquiries Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Public Records Please DELETE the following public records from my consumer file unless you can furnish proof from the county clerk office with full name, title, phone number, and signature on original court document with court seal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filing Date : XX/XX/XXXX I contacted the XXXX XXXX Clerk office in the State of XXXX and was informed that clerks and any court officials at the Magistrate or Municipal Court DO NOT provide, parrot, nor verify any information to third party consumer reporting agencies nor data furnishers such as LexisNexis. 

Therefore, LexisNexis can not verify the accuracy of any public records that it has on a consumers file and items must be deleted immediately. 

I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.

Company response to consumer: Closed with non-monetary relief