Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  Phone : XXXX Email : XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Identity Theft Victim Notification & Request for Full Report and Review Subject : Credit Report Used by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Score Reported : XXXX  ( Dated XX/XX/scrub>XXXX XXXX XXXX  ) To Whom It May Concern, I am writing to notify you that I am a victim of identity theft and to request that LexisNexis Risk Solutions ( XXXX  ) take immediate action to review and correct any data associated with me that may be inaccurate, outdated, or fraudulently derived. 

On XX/XX/year>, XXXX denied my credit application using a report and score supplied by your agency, which reflected an unusually low credit score of XXXX. This information does not reflect my legitimate credit profile and is clearly influenced by identity theft and compromised data.

BACKGROUND OF IDENTITY THEFT : My full identityincluding my name, date of birth, Social Security number, mothers maiden name, addresses, phone numbers, and email addresseshas been found on the dark web and is confirmed as compromised. 
I have formally reported this identity theft to : XXXX XXXX Police Department ( Report enclosed, XXXX pages ; XXXX XXXX  assigned ) Federal Trade Commission ( FTC ) IdentityTheft.gov report filed Social Security Administration XXXX XXXX XXXX XXXX  All have fraud alerts in place on my accounts POLICE-ADVISED SECURITY MEASURES : Due to ongoing threats to my identity and sensitive information, I routinely change my phone numbers and email addresses, as recommended by the XXXX XXXX Police Department to protect against continued misuse. These changes should not be interpreted as risky or suspicious behavior in credit models.

Your credit score stated that one factor was : Consumer associated with phone changes Limited history for consumer at this phone These are security-driven changes made for my own protection and should not penalize or lower my creditworthiness, especially in the context of an open identity theft case. 




FORMAL REQUESTS UNDER THE FCRA : Provide a full and detailed copy of the consumer report and credit score you supplied to XXXX, including all associated data ( addresses, phones, inquiries, etc. ) Reinvestigate and remove any data or risk factors related to identity theft or protective measures I have taken. 
Flag my file as affected by identity theft. 
Retain and consider the enclosed police report as part of your investigation and verification process. 
If needed, contact XXXX  XXXX of the XXXX XXXX Police Department for verification. I will also forward any new findings to the detective for further investigation. 




Please confirm in writing that my request and documentation have been received and that you are processing my report and initiating a reinvestigation. 

Sincerely, XXXX XXXX XXXX Enclosures : XXXX Police Report ( XXXX XXXX Police Department XXXX

Company response to consumer: Closed with non-monetary relief