Consumer complaint received 2023-03-21
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Re : 1. Notice of Dispute 2. Request for Removal of Inaccurate Information 3. Request for Investigation of Impermissible Purpose Inquiries 4. Request for LexisNexis to BLOCK XXXX XXXX XXXX from further accessing XXXX XXXX LexisNexis Consumer Report Attention LexisNexis : This communication pertains to the following : Date of LexisNexis Report : XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX The item ( s ) in dispute are as follows : Section 15 : Inquiry Records- Impermissible Purpose Inquiries LexisNexis Risk Solutions , Inc. is regulated a regulated consumer reporting agency ( CRA ) under the FCRA 15 U.S.C. 1681a ( e ).

LexisNexis Risk Solutions , Inc. is a person and consumer reporting agency as defined by 15 U.S.C. 1681a ( b ) and ( f ).

Pursuant to the FCRA, LexisNexis Risk Solutions , Inc. must maintain reasonable procedures to assure that reports are sold only for legitimate permissible purposes. 15 U.S.C. 1681e ( a ) & 1681b. 

On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Inquiry Records ( XXXX ) ( See attached Supporting Document # XXXX ). 

On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Inquiry Records ( XXXX ) ( See attached Supporting Document # XXXX ). 

On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Inquiry Records ( XXXX ) ( See attached Supporting Document # XXXX ). 

On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Impermissible Purpose Inquiries ( XXXX ) ( See attached Supporting Document # XXXX ). 

On XX/XX/XXXX, I submitted a Notice of Dispute, Request for Removal of Information, Request for Investigation of Impermissible Purpose Inquiries ( XXXX ) ( See attached Supporting Document # XXXX ). 

On XX/XX/XXXX, I submitted a Notice of Dispute and Request for Investigation of Impermissible Purpose Inquiries ( XXXX ) ( See attached Supporting Document # XXXX ). 

In response to my disputes, LexisNexis Risk Solutions XXXX XXXX responded with the following : On XX/XX/XXXX, in your Results of Reinvestigation, you stated We have reviewed the information from our Inquiry Records and determined the data being reported as unverifiable ( See attached Supporting Document # XXXX ). 

On XX/XX/XXXX, in your Results of Reinvestigation, you stated We have reviewed the information from our Inquiry Records and determined the data being reported as accurate ( See attached Supporting Document # XXXX ). 

On XX/XX/XXXX, you provided a document titled Authorized Inquiries. In your communication, you state LexisNexis identified the inquiries dated XX/XX/XXXX and XX/XX/XXXX listed on your LexisNexis Consumer Disclosure report were initiated by XXXX XXXX XXXX XXXX XXXX for the business purpose of collections ( See attached Supporting Document # XXXX ). 

On XX/XX/XXXX, in your Results of Reinvestigation, you stated We have reviewed the information from our Inquiry Records and determined the data being reported as unverifiable ( See attached Supporting Document # XXXX ). 

On my LexisNexis Consumer Report dated XX/XX/XXXX, I see additional inquiries from XXXX XXXX XXXX. 

How many more times do I need to state the following? 

I have NO accounts in collections!! 
( See attached Supporting Document # XXXX, # XXXX, and # XXXX ) FCRA 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.

( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act or the Federal Credit Union Act, or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. 

Every inquiry from XXXX XXXX XXXX XXXX XXXX is an impermissible inquiry. 

Any future inquiry from XXXX XXXX XXXX XXXX XXXX will be an impermissible inquiry. 

I have absolutely NO business relationship with XXXX XXXX XXXX XXXX XXXX. 

I did NOT initiate any transaction with XXXX XXXX XXXX XXXX XXXX to initiate these impermissible inquiries. 

I did NOT authorize these impermissible inquiries. 

I have never received a XXXX XXXX from any entity. 

I have never received an adverse action letter from any entity. 

For XXXX XXXX XXXX XXXX XXXX to claim that they are accessing my personally identifiable information ( PII ) on my LexisNexis Consumer Report for collections is insufficient. 

Where is XXXX XXXX XXXX XXXX XXXX proof? What original creditor are they collecting for? Where is their contract to collect on behalf of an original creditor? Did they purchase an alleged debt from another creditor? Where is their proof of ownership of any alleged debt? Did they certify under oath with the penalty of perjury that their impermissible inquiries are legitimate? 

FCRA 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

What are the complete names, complete addresses, and telephone numbers of the individuals from XXXX XXXX XXXX XXXX XXXX who accessed my PII? 

Please note that I am disputing ALL inquiries by XXXX XXXX XXXX. Please initiate a dispute and investigation for ALL inquiries by XXXX XXXX XXXX. Please investigate what permissible purpose they believe they had to violate my privacy and promptly remove these inquiries from my LexisNexis Consumer Report. Again, please BLOCK XXXX XXXX XXXX from any further access to my LexisNexis Consumer Report. 

Per the FCRA, how did LexisNexis verify that XXXX XXXX XXXX XXXX XXXX had a legitimate permissible purpose to view my report prior to releasing my private information to them? How did LexisNexis protect my information? I am extremely serious I would like a complete and detailed answer. 

As I previously notified you, I have initiated litigation against XXXX XXXX XXXX XXXX XXXX for their multiple violations of the FCRA, the FDCPA, and for attempting to collect an alleged debt that was dismissed WITH prejudice by the court in XX/XX/XXXX. 

Please confirm to me, in writing, your compliance with my request and the actions you have taken to prevent any future impermissible inquiries by XXXX XXXX XXXX. Upon removal of the disputed item, please provide me with written confirmation of the removal of the item from my consumer report and an updated LexisNexis Consumer Report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation