Consumer complaint received 2020-11-22
Company: LEXISNEXIS
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Again, ( XXXX, XXXX, XXXX ) request action for the bias and violation or the law ( s ) by inaccurate reporting by LexisNexus who scores ( doesnt share score with consumers ), in favor of and created by and for insurers ie. XXXX XXXX, XXXX XXXX. Reporting by insurers is at the direct expense and demise of consumers for the profits shared by LexisNexus and insurers. LexisNexus is a private, consumer credit organization, LexisNexus, who is obviously not held to any standards and above any law ( s ). The CFPB nor XXXX XXXX has held LexisNexus accountable to law ( s ) -ie. Fair credit reporting/insurance laws which places a huge burden, with unfair consequences adversely affecting pay and livability ( ie. Loss of Company XXXX, loss of of job/employment opportunities, insurability ), because of inaccurate information provided by insurers to LexisNexus, reported by LexisNexus- in violation of the fair credit reporting act. 

IF a consumer knows before they lose a job, pay excessive insurance due to inaccurate information being reported to/by LexisNexus and/or, if consumer can obtain the information from insurers or other data/information reporters for mis information and ie. insurers claims that never actually made the falsely reported and/or inaccurately reported, it takes an act of XXXX to reach LexisNexus and no action is being taken on behalf of the consumer to uphold the violation by them as a credit reporter. 

With the consumer being held accountable to correct information with the private credit reporting organization LexisNexus, with proof needed by the consumer from the misrepreporting agency XXXX XXXX , its near impossible for a consumer to obtain to submit to LexisNexus who then determines weather or not they will updates and you still need to wait an additional 60+ day in hopes that LexisNexus updates after they determine weather or not to correct the information which is shared by them ... they are partners with their customers/insurers not the consumer. They have no incentive to remove or consequence with no enforcement of the law ( s ). 

Its actually almost impossible to even request ; by phone one must provide voice recognition ( data not previously provided to LexisNexus ), consumers cant even request online, although they collect and share online, which is costly for consumers and injustice, to be collected, shared in a system that provides inaccurate information to justice, government, insurance, employer organizations. The information shared ( not according to fair credit reporting act ) is potentially damaging, incorrect unsubstantiated, information ... 

Without action by the CFPB ( seems actually a simulated example of-letter/complaint logging agency with no real resolution, just a mail intermediary ) its good for nothing for consumers. 

When a consumer needs insurance, cant work, are denied housing or opportunities, held accountable by law or government agencies for inaccurate data information programs owned by LexisNexus who is sharing and adversely affecting consumers ... how fair is that according to the CFPB ; how does/will the CFPB respond and take action and how long will it take and at what cost maybe a consumer may lose a job or take a third job to pay for insurance ... .I ask the board do you have or need insurance, a company car, a job, a home? Personally, I have experienced actual loss of money, time, opportunities by LexisNexus sharing information and damages by insurers who deliberately and knowingly continue to deceive, extorting funds from consumers in the name of LexisNexus reports. 

Again, I request that the CFPB act immediately-on behalf of consumers, as the CFPB is the agency designated and designed to uphold and enforce the laws to protect consumers.

Company response to consumer: Closed with explanation