Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

Over the past two years my financial and personal life have been disrupted and my credit standing continues to be threatened by two financial institutions who are wrongfully withholding information from me in violation of the FCRA. 

In XXXX, a CD I had with XXXX XXXX  matured. When I attempted to transfer the proceeds, my account was frozen on the grounds that I was deceased. For more than two months XXXX ignored proof to the contrary -- long established passwords, copy of drivers license, current utility bill, their own 1099s and monthly mailed records from many years -- and ignored as well my repeated requests to identify the " public record '' they claimed as the basis for their action. 
Finally, with the help of the CFPB, I was able to get my money and the case was closed. But XXXX very pointedly would not respond to my multiple requests for the name of the " public record '' that took them so long to discover " incorrect. I gave up asking and put the episode behind me.. 

... XXXX XXXX of this year, when once again I was " deceased. This time it was a payout from an insurance company that was held up. However, this firm investigated and told me their source for the falsehood : LexisNexis Risk Solutions. 

LexisNexis Risk Solutions advertises its ability to supply information on individual consumers to clients in the financial field but their 60+ page file about me turned out to be a grossly negligent compilation that, for the most part had nothing to do with me. It mixed my records with those of another person with whom I share nothing other than a first and last name, irresponsibly failing to match middle names or initials, birth dates, social security numbers, addresses, telephone numbers. Additionally they pronounced me deceased while ignoring the discrepancies between the alleged date of my death ( XXXX! ) and ongoing activities such as voting and drivers license renewals from before and after XXXX. 

I called this mixture to their attention XX/XX/XXXX and finally, in XXXX, my file was updated to identify me without the deceased designation. At the same time, despite saying many times that they would comply with FCRA rules to provide me with the all-important full and complete details of the required reinvestigation, LexisNexis Risk Solutions has still not told me ( 1 ) where and when they got their destructive misinformation about my " death '', ( 2 ) how they verified it and ( 3 ) to whom they distributed it. 
Moreover, although I have repeatedly pointed out that they have mixed and merged someone else 's files with mine, they have yet to delete the multiple records that have nothing to do with me. 

And instead of answers to my questions, the first week in XXXX I received a further surprise : I remain " deceased '' in the records of an affiliate of theirs named Accurint. How this will affect me I have no idea as yet. 

LN 's accompanying letter ( dated XXXX XXXX, received XXXX XXXX ) was equally curious. It seems designed to smudge the line between their various companies responsibilities to leave the impression that LexisNexis Risk Solutions, like Accurint, is not required to do ANYTHING. ( See attached. ). That strikes me as nothing short of incredible. 

Without full and complete details from these institutions I have no way to stop such financially and physically injurious situations from happening again and again. Nor do I have any way to know if there has been damage in the past that I havent yet learned of. I am also disturbed that, as I am in my XXXX, when I do die this will complicate the settlement of whatever financial accounts I leave behind. 


So far Ive lost approximately {$270.00} ( interest lost in the XXXX fiasco ) and forced to waste an immense amount of my time on repetitive and questionable forms, messages and telephone calls. Altogether it has been a hugely stressful period, at times paralyzing just trying to understand what was happening. See a lawyer is useless advice : Im too rich for free legal aid and too poor to hire an attorney. 

Since learning about the existence of LexisNexis Risk Solutions I am wholly convinced that XXXX never saw ANY public record, instead PAID a very non- public source for a report, read nothing beyond the deceased designation on its first page and acted both wrongly and precipitously. XXXX of course absolves itself of any use a recipient makes of reports it furnishes. 

Be that as it may be, the bottom line is that there is still no end in sight for me or multitudes of other consumers sure to wind up in the same sinkhole as, like it or not, our lives become totally digital dependent. Once garbage gets in, it wont get out as long as institutions have little incentive to fully and openly respond to consumers. They correctly calculate that, for them, there is little risk in stonewalling and ignoring us. Until there is meaningful enforcement action by the Consumer Financial Protection Bureau, there is no consumer protection.