Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MD)

I am writing to file a formal complaint against LexisNexis Risk Solutions for their continued erroneous reporting on my consumer file, despite multiple previous disputes and complaints. This ongoing issue has significantly impacted my ability to obtain a home loan, finance a car, and secure gainful employment. 

I have previously filed complaints with the CFPB regarding LexisNexis on the following dates : XXXX. XX/XX/XXXX ( CFPB XXXX # XXXX ) XXXX. XX/XX/XXXX ( CFPB XXXX # XXXX ) XXXX. XX/XX/XXXX ( CFPB XXXX # XXXX ) Despite these complaints and my direct disputes with LexisNexis, they have failed to adequately address the inaccuracies in my file. The erroneous information includes incorrect identification records, addresses, phone numbers, insurance policies, and inquiries that do not belong to me. 

Most recently, I disputed the address information in Section XXXX ( Address Characteristic Record ) of my LexisNexis Consumer Disclosure Report dated XX/XX/XXXX. Specifically, I disputed the following inaccurate addresses : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, reported by XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, reported by XXXX XXXX XXXX Service This persistent misreporting has caused significant hardship in my life : 1. Home Loan Application : In XX/XX/XXXX, I was denied a mortgage due to the inaccurate information on my LexisNexis report. The lender cited multiple addresses and insurance policies that do not belong to me as reasons for concern. 

2. Car Financing : In XX/XX/XXXX, I attempted to finance a car but was offered unfavorable terms due to the erroneous inquiries and insurance claims on my LexisNexis report. These records do not reflect my true credit history or risk profile. 

3. Employment Opportunities : In XX/XX/XXXX, I was turned down for a job after a background check, which I believe was influenced by the incorrect information in my LexisNexis file. The potential employer expressed concerns about the multiple addresses and identities associated with my name. 

I have repeatedly requested that LexisNexis correct these errors and place a security freeze on my file. While they claim to have placed a freeze on XX/XX/XXXX, unauthorized inquiries continue to appear on my report, indicating that the freeze is not being properly enforced. 

I believe LexisNexis is in violation of the Fair Credit Reporting Act ( FCRA ) by failing to maintain reasonable procedures to assure maximum possible accuracy of the information in my file ( 15 U.S.C. 1681e ( b ) ) and by failing to conduct proper reinvestigations of my disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that LexisNexis complies with the FCRA and corrects the inaccuracies in my file. Additionally, I ask that you help me obtain compensation for the damages I have suffered as a result of their negligence. 

Furthermore, I request that an updated and accurate copy of my LexisNexis consumer report be mailed to me at the address below. This will allow me to verify that all inaccuracies have been removed and that my file truly reflects my correct information. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this ongoing issue.