Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Around XX/XX/year> I requested a copy of my LexisNexis consumer report because I was denied for a personal loan and the adverse action letter listed LexisNexis as a company that had provided information that was relied on as part of the lender 's decision. When I received my consumer report by a URL link that was mailed to me from LexisNexis, I was shocked to see the inaccuracies. I reviewed the entire report and developed a list of error 's that I felt needed to be removed. Next, I went through my records and found my paperwork from the courts that clearly, stated that the release of this information would cause a " Manifest injustice to myself. ", and compiled them all into one PDF file that I compressed and attached to the report. Additionally, I went to the State of Virginia 's official public records database and looked up each case number individually. Next, I took a screenshot of the results, and the inaccurate ones were added to my list and the pictures which included with date/time, and full URL of the website were added to the dispute. 

Next, I received a letter from LexisNexis which indicated that the expunged charges had been removed from my consumer report. However, This letter did not contain a revised report for me to view showing that the items were removed. I believe this is a violation of the FCRA. In any case, that led me to call into LexisNexis and inquire about the issue which I did 2 days after I got the letter and filed for a new copy of my consumer report. On the phone, the agent said she could see the explanation of the dispute and why the charges were not removed but she refused to disclose that information to me. She then stated that I would have to wait until I received a letter in the mail detailing the dispute results. Also, I have yet to receive my copy of the dispute results another violation of FCRA. Then she offered to resubmit the dispute if I felt that the investigation may have missed something. I told her that I received a letter from LexisNexis stating that items were removed, items that had not been removed ( This letter will be included in this complaint, along with my document detailing all the errors and whatever room I have left for pictures from Virginia 's public records database ). That is where the issue stands now. 

I would like to add that I have recently discovered that 2 years ago when my wife and I moved into the property we are currently in, we were denied a better location we initially wanted because a XXXX XXXX report listed some of the same discrepancies. I have recently discovered that the information provided to XXXX came directly from LexisNexis. So this bad information has cost me a place to live and most recently a debt consolidation loan I need. 

I have submitted detailed, undeniable proof to LexisNexis that their reports are inaccurate. In addition to court orders to have the information, they are releasing sealed. This has caused me compensatory damages that I don't know how I can recover but believe me if there is a way, I'll find it and completely exploit it no matter how exhaustive the process may prove to be. I now come to the CFPB to try and help facilitate reason into this treachery, and assist in what appears to be an overwhelming investigation into easily obtained facts that our friends over at LexisNexis seem to be embroiled in.