Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Method of Verification, Compliance with the XXXX XXXX XXXX XXXX, XXXXnaccurate Reporting of Bankruptcy Record, Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint and method of verification against LexisNexis Risk Solutions XXXX regarding inaccuracies in reporting and concerns of identity theft and securities fraud. This complaint is in response to there correspondence dated XX/XX/year> regarding the reported bankruptcy record, case number XXXX, on behalf of XXXX XXXX XXXX XXXX. 
1. Verification Process : LexisNexis claims to have verified XXXX XXXXXXXX XXXX bankruptcy record ; however, I am requesting detailed information on the methods and criteria used in this verification process. It is crucial that this verification strictly adheres to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX XXXX compliance standards, ensuring the accuracy and validity of consumer information. 
2. Source of Information : The information regarding XXXX XXXXXXXX XXXX address and partial Social Security number was reportedly obtained from public access to court electronic records ( PACER ). I seek clarification on how LexisNexis obtained and linked this information to XXXX XXXXXXXX XXXX consumer report, and what measures were taken to ensure its accuracy and relevance. 
3. Identity Theft and Securities Fraud : I am deeply concerned that LexisNexis may have engaged in identity theft and securities fraud by securitizing and profiting from my personal information without my consent. This potentially illegal action violates federal laws governing consumer privacy and data protection. I request a thorough explanation of how my personal information, including my Social Security number, was secured, and whether LexisNexis obtained written consent for such activities. 
4. Compliance with FCRA and Legal Standards : As a consumer protected under the FCRA, I am entitled to the highest standards of data accuracy, security, and privacy protection. Any failure to comply with these standards can significantly harm my creditworthiness and financial standing. I urge the Consumer Financial Protection Bureau to investigate these serious allegations promptly and ensure that LexisNexis fully complies with all FCRA and XXXX XXXX XXXX XXXX requirements. 
5. Opt-Out Opportunity : According to the Fair Credit Reporting Act ( FCRA ) Section 603 ( d ) ( 2 ) ( A ) ( iii ), consumers have the right to opt out of the inclusion of their information in a consumer report that will be used in connection with a credit or insurance transaction that is not initiated by the consumer. However, I was not provided with any opportunity to opt out of the reporting of my information by LexisNexis. Please provide documentation demonstrating that an opt-out notice was provided to me as required by law, or an explanation of why such notice was not provided. 

In conclusion, I request immediate action to rectify the inaccuracies in the reported bankruptcy record and investigate the allegations of identity theft and securities fraud. I seek your assistance in pursuing damages resulting from these violations and protecting my rights and privacy. Please provide a comprehensive response addressing the concerns outlined above. 
Respectively submitted XXXX XXXX XXXX