Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

Subject : Complaint Against Lexis Nexis for Incorrect Information on Consumer Report I am writing to file a formal complaint against Lexis Nexis regarding numerous inaccuracies in my consumer report. Below is a detailed account of the series of events and the violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : Initial Request and Inaccurate Report On or around XX/XX/2024, I requested and received my consumer report from Lexis Nexis ( Consumer Number : XXXX, Case Number : XXXX ). Upon reviewing the report, I found multiple errors, including incorrect names, addresses I have never lived at, and wrong dates of birth. 

First Dispute Letter I mailed a dispute letter to Lexis Nexis challenging this incorrect information and included copies of my ID, birth certificate, Social Security card, and proof of address. Despite this, I received a response stating that the information had been verified. 

Second Dispute Letter On XX/XX/2024, I sent another letter to Lexis Nexis, which was received ( XXXX XXXX # XXXX ). A new dispute was filed on XX/XX/2024 ( Case # XXXX, XXXX XXXX : XXXX ). However, the incorrect information remains on my file. 

Violations of the Fair Credit Reporting Act : 15 U.S.C. 1681e - Maximum Possible Accuracy According to 15 U.S.C. 1681e, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. Lexis Nexis has failed to comply with this requirement, as evidenced by the persistent errors in my report. 

15 U.S.C. 1681b - Permissible Purposes of Consumer Reports As per 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a report only in accordance with the written instructions of the consumer. I have not authorized the reporting of the inaccurate information, and my rights under this provision have been violated. 

15 U.S.C. 1681 - Respect for Consumer Privacy The FCRA mandates that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy ( 15 U.S.C. 1681 ( a ) ( 4 ) ). Lexis Nexis has failed to respect my privacy by continuing to report false information. 

Request for Immediate Action : I request that Lexis Nexis immediately delete the incorrect information specified above from my consumer file. Failure to do so will compel me to take appropriate legal action. 

Damages for Violations : I am invoking my rights under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and demand compensation for the following violations : Permissible Purpose : {$1000.00} Defamation of Character : {$1000.00} Damaged Reputation : {$1000.00} Damaged Creditworthiness : {$1000.00} Total Damages Demanded : {$4000.00} Furthermore, the unauthorized use of my personal information constitutes identity theft, a felony under 18 U.S.C. 1028A ( 1 ). Lexis Nexis has knowingly transferred, possessed, and used my identification without lawful authority, which is punishable by imprisonment and additional civil liabilities. 

I hope the Consumer Financial Protection Bureau will assist me in resolving this matter promptly and ensuring that Lexis Nexis complies with the FCRA. Enclosed are copies of my correspondence with Lexis Nexis, my ID, birth certificate, Social Security card, and proof of address. 

Thank you for your attention to this matter.