Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items reporting inaccurately on my consumer report. I have found errors and inaccurate data reporting which I dispute and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C 1681a ( f ), you are governed by the Fair Credit Reporting Act FCRA. 15 U.S.C 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting on their consumer report. According to the FCRA it is the consumer reporting agencys responsibility to ensure that all information contained within our consumer files are accurate and free of errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information regarding consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C 1681 ( d ) to third parties. 
Under federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C 1681 et seq., including but not limited to the following : 1. ) Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C 1681e ( b ). This section imposes high and often disregarded standard on consumer reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make or certain : put beyond all doubt, [ maximum means the greatest in quantity or highest degree attainable [, ] and possible means something falling within the bounds of what may be done, occur or be conceived.

2. ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3. ) Should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; 4. ) Provide consumer file pursuant to U.S.C. 1681g ; 5 ) et seq. 

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 

For your convenience, I am sending you a list of the items you need to verify them. 

The listed accounts are neither debts nor authorized inquiries. Please correct this by removal of these items from my consumer report. See. Exhibit A. Attachment uploaded. 

Upon completion of your investigation, I would like to request a detailed description of the procedures used to determine the accuracy of the accounts/items that I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 

For verification purposes I have enclosed a photo copy of my official state issued drivers license and my social security card to validate my identity clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your assistance in this matter. 
Best Regards, XXXX XXXX