Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis XXXX Report ( XXXX ) to XXXX regarding the incorrect Aliases that LexisNexis is XXXX on my LexisNexis XXXX Report ( See attached Supporting Document # XXXX ). On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Aliases that LexisNexis is reporting on my LexisNexis XXXX Report ( See attached Supporting Document # XXXX ). On XX/XX/2023, LexisNexis responded to XXXX Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXX XXXX  ) ( See attached Supporting Document # XXXX ). LexisNexis ' response to my complaint is insufficient. Instead of correcting the incorrect information, LexisNexis attempted to claim that a LexisNexis XXXX Report is NOT a consumer report. LexisNexis response stated : Please note that this concern refers to LexisNexis non-FCRA products. These products are not consumer reports as defined by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). They are not permitted to be used to grant or deny credit, make employment decisions, make tenant and housing screening decisions, or any other uses regulated by the FCRA. For these products LexisNexis purchases and resells data collected by outside companies, which cover public records and commercially available data sources, in compliance with applicable federal and state privacy laws. LexisNexis can not make changes to the names XXXX XXXX is disputing. While LexisNexis claims that my LexisNexis XXXX Report is not a consumer report, the definition of a " consumer report '' under the Fair Credit Reporting Act ( FCRA ) is broad and includes a wide range of information about individuals that is used by creditors, insurers, employers, and others to make decisions about a person 's eligibility for credit, insurance, employment, or other purposes. According to the FCRA, a consumer report is defined as : " A consumer report is any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604. '' This definition encompasses various types of information, including credit history, criminal records, employment history, and more, which are typically collected and maintained by consumer reporting agencies. The FCRA imposes certain requirements on these agencies to ensure the accuracy and fairness of the information they provide to creditors, insurers, employers, and others who use consumer reports to make decisions about individuals. Based on the FCRAs definition of a consumer report, my LexisNexis XXXX Report is, in fact, an FCRA-regulated consumer report. Interestingly, after an attempt to claim that a LexisNexis XXXX Report is a non-FCRA product, LexisNexis confusingly proceeded to notify me of my rights under the FCRA. LexisNexis response stated : Under the FCRA, XXXX XXXX has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. Add a statement to his file disputing the accuracy or completeness of the information. The statement will remain on file and will be furnished to recipients of the file as long as the disputed information is still used ; and Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past XXXX years or received a LexisNexis consumer report for any other purpose in the past XXXX months ( XXXX months for residents of Colorado, Maryland, and New York ). Why would LexisNexis claim that its LexisNexis XXXX Report is a non-FCRA product and immediately proceed to explain my rights under the FCRA? The incorrect Aliases are still being incorrectly reported on my LexisNexis XXXX Report. This communication is my FOURTH NOTICE to LexisNexis regarding the incorrect Aliases that LexisNexis continues to incorrectly report on my LexisNexis XXXX Report. This information is incorrect because I have NEVER been known as XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXXXXXX.