Consumer complaint received 2023-10-09
Company: LEXISNEXIS
State: CA
Product: Credit reporting 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 wish to bring to your attention the following key points that constitute the basis of my dispute : Lack of Creditor Relationship : At no point in time have I engaged in any credit-debtor relationship with Lexis Nexis, nor have I entered into a contractual relationship that authorizes Lexis Nexis to report any information to any credit reporting agencies.

Absence of Permissible Purpose : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, unequivocally states that consumer reporting agencies, such as Lexis Nexis, may furnish credit information to third parties only with a permissible purpose. To the best of my knowledge, Lexis Nexis has not obtained my permissible purpose to report my credit information, and as such, any such reporting is in direct violation of the FCRA. Violation of Statute Cod
es : Lexis Nexiss actions are in direct violation of multiple Federal and State laws, including but not limited to : A. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C 1681 s-2 ( a ).

B. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e.

C. Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5481 ( 12 ).

I formally request an investigation and compliance from your agency. I demand that Lexis Nexis conduct an immediate investigation into its reporting activities concerning my credit information. Furthermore, I request that Lexis Nexis provides documented evidence of any permissible purpose granted to them for reporting to any credit agencies. Failure to provide such evidence will be regarded as an admission that no permissible purpose exists.

Lexis Nexis has also persistently infringed upon and continue to violate my federally protected consumer rights, particularly with regard to privacy as outlined in the Privacy Act of 1974.

Specifically, the Privacy Act of 1974 provides individuals with three fundamental protections : The right to request their records, subject to Privacy Act exemptions.

The right to request corrections to records that are inaccurate, irrelevant, untimely, or incomplete.

Under 15 U.S.C. 1981 SECTION 2, the recognition of my right to privacy as a consumer.

Moreover, according to 15 U.S.C. 1981 SECTION 604 SECTION 2, it is explicitly stated that a consumer reporting agency can not disclose any information regarding my account without my explicit written instructions, and Lexis Nexis has not made any effort to obtain such instructions from me.

My federally protected rights have been continuously and maliciously violated, and to date, neither of these agencies has attempted to rectify this situation.

Additionally, 15 U.S. Code 1681c outlines specific requirements pertaining to information contained in consumer reports, including exclusions such as cases under title 11 or under the Bankruptcy Act, civil suits, civil judgments, records of arrest, paid tax liens, and accounts placed for collection, which should not be reported after a certain number of years.

Furthermore, in accordance with 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, it is prohibited to furnish inaccurate consumer information to any reporting agency when there is actual knowledge of errors or reasonable cause to believe that the information is inaccurate.

I have requested from Lexis Nexis a copy of my consumer report that they hold and the continually deny my request and require me to send in personal documentation for verification purposes, yet I have already have verified myself to them by sending in copies of social security cards, state identification and copies of utility bills showing proof of my existing address.

I insist on a " cease and desist '' order as per the FCRA and other applicable laws. I demand that Lexis Nexis immediately cease and desist from reporting any information to any credit reporting agencies. Any further reporting without a lawful permissible purpose will be considered a willful violation of the FCRA and other relevant statutes, potentially subjecting Lexis Nexis to civil and criminal penalties.

Company response to consumer: Closed with explanation