Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS (NJ)

To Whom It May Concern, I am writing to address a series of concerns stemming from the utilization of my personal data by LexisNexis without my explicit consent. Despite multiple attempts to establish communication, I have been unable to reach a live representative in twelve separate instances, prompting this formal letter. 

As of late, I have become aware of the significant impact that LexisNexis Risk Solutions holds over critical determinations affecting various aspects of one 's livelihood, including but not limited to insurance coverage, employment prospects, and credit accessibility. However, the lack of transparency and accountability in data handling processes has led to undue complications and adverse consequences for individuals, including myself. 

On XX/XX/XXXX, during a routine procedure to adjust my insurance coverage following a divorce, I was apprised of a denial from my insurance provider, citing information sourced from LexisNexis as the basis for their decision. This swift and uninformed action left me without insurance coverage for my vehicle, subsequently leading to a chain reaction wherein other major insurance companies similarly denied my requests for coverage. 

Further attempts to obtain clarification from the organization regarding the information provided to these insurance companies have proved futile. After conducting my own investigation, I have uncovered that the data in question, primarily pertaining to my involvement in multiple insurance claims within a limited time frame, fails to consider the nuanced circumstances surrounding each incident. 

It is imperative that LexisNexis upholds a greater sense of corporate responsibility in handling sensitive data that can significantly impact an individual 's livelihood. In light of these events, I urge LexisNexis to provide clear and concise responses to the following inquiries : 1. What specific issues does LexisNexis Risk Solutions aim to address, and how does this data harvesting purportedly benefit the individuals it affects? 
2. What guidelines does this company adhere to in differentiating between fair data use and unwarranted invasion of privacy? The comprehensive nature of the data I have accessed has raised significant concerns. 
3. How does the team approach cases like mine, where mere data suppression fails to rectify the consequences exacerbated by your organization 's actions? 
4. What measures does this organization intend to implement to ensure individuals have access to direct communication with a designated representative, beyond the existing online resources? 
5. Should I consider seeking legal counsel to ensure the proper addressing of these concerns, or will this organization take these matters seriously without legal intervention? 

The impact of LexisNexis 's operations extends beyond the immediate financial and emotional toll it has taken on my life. I implore you to take immediate steps towards a more accountable and humane approach, considering the broader implications. 

I look forward to your prompt response in addressing these matters and finding a mutually beneficial resolution.