Consumer complaint received 2023-07-20
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 regarding 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 letter 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. The basis of my dispute includes the following crucial points, which highlight violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Absence of Creditor Relationship : I want to assert that LexisNexis is not my creditor, nor have I ever entered into any contractual agreement that authorizes LexisNexis to report my credit information to any credit reporting agencies. As such, LexisNexis lacks the legal standing to furnish my credit information under the FCRA, FDCPA, and CFPA.

Lack of Permissible Purpose : Pursuant to the FCRA - 15 U.S.C. 1681b, consumer reporting agencies, like LexisNexis, may only furnish credit information to third parties with a permissible purpose. Similarly, the FDCPA - 15 U.S.C. 1692e, requires that any debt collector 's communication with a consumer must be for a lawful purpose. To my knowledge, LexisNexis has not been granted any permissible purpose to report my credit information, thereby rendering any such reporting a violation of the FCRA and FDCPA.

Violation of Consumer Financial Protection Act ( CFPA ) : By reporting my credit information without a permissible purpose and lacking any creditor relationship, LexisNexis is also in direct violation of the CFPA - 12 U.S.C. 5481-5603, which safeguards consumers from unauthorized disclosures and ensures the accuracy and fairness of information provided by consumer reporting agencies.

Based on the aforementioned violations, I demand that LexisNexis immediately cease and desist from reporting any information regarding my credit profile to any credit reporting agencies, as per the FCRA, FDCPA, and CFPA. Any further reporting without a lawful permissible purpose will be considered a willful violation of these statutes, subjecting LexisNexis to potential civil and criminal penalties.

Furthermore, I kindly request that LexisNexis contacts all credit reporting agencies to update the inaccurate and unauthorized credit information that has been previously furnished. This update should reflect the cessation of reporting and the removal of any negative impact on my credit profile.

Please be advised that I am keeping a comprehensive record of all communications concerning this matter, and I am prepared to take further legal action if necessary to protect my rights under the FCRA, FDCPA, CFPA, and other relevant statutes. 

I expect an expeditious and satisfactory resolution to this dispute letter, including the requested credit report update. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation