Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPLAINT : LEXIS NEXIS IMPROPER USE OF CREDIT REPORTING According to the FCRA ( fair credit reporting act ) as a Federally protection consumer. I am now OPTING OUT of any and all authorizations, I the consumer may have given them written, unwritten, verbal and non verbal per 15 usc 6802 effective immediately and indefinitely. As well as XXXX CFR XXXX. 

This consumer report from LEXIS NEXIS, has violated laws on my consumer report by reporting inaccurate and sharing this information with third party non affiliates. I have called XX/XX/XXXX and written to dispute all of these violations and ask them to remove them by giving them the XXXX and XXXX laws and some still refuse to remove them. Please help me with this situation of my rights as a consumer is being violated. 

XXXX15 USC 1618 b Permissible purposes of consumer reports ( ii ) information from the consumer report will not be used in violation of any applicable XXXX or XXXX equal employment opportunity law or regulation. 
XXXX15 USC 1692e XXXX or misleading representations. 
XXXX 15 USC 1681 XXXX findings and statement of purpose. 
XXXX 16 CFR part 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION. 
XXXX 16 CFR 433.3 XXXX violations. Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of XXXX ( a ). 
XXXX 16 CFR 433.2 Preservation of consumers & # XXXX ; claims and defenses, unfair or deceptive acts or practices. 
XXXX Privacy Act of XXXX, XXXX XXXX XXXX XXXX The XXXX requires agencies to keep an accurate accounting of information disclosures, except when the disclosure is made within the agency for routine administrative uses or made under the XXXX of XXXX XXXX ( FOIA ). The XXXX requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. XXXX XXXX. XXXX ( XXXX ). 
XXXX 20 USC 1232g & amp ; XXXX CFR XXXX Family educational and privacy rights. 
XXXX 15 USC 6801 Protection of nonpublic personal information. 
XXXX 15 USC 6805 Enforcement ; In general Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. 
XXXX 17 USC 424 XXXX XXXX XXXX other companies look at consumers credit report to send promotions ads and offers. 
XXXX FERPA OF XXXX which protects the privacy interests of parents and students by restricting the unwarranted disclosure of personally identifiable information from education records. 
XXXX 15 USC 1681s2. Responsibilities of furnishers of information to consumer reporting agencies