Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: NY

Complaint narrative:
To Whom It May Concern : This is a formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Your subsidiary, XXXX, is reporting and selling information about me to financial institutions, government agencies, and investigators. This data does not match the corrections and deletions already made to my three major credit bureau files ( XXXX, XXXX, XXXX  ) and my consumer disclosure from LexisNexis. Despite this, XXXX  reports are still being used by lenders, including XXXX and XXXX XXXX, to deny me credit. 
When information is used to determine credit eligibility, your products become consumer reports under 15 U.S.C. 1681a ( d ), and therefore, all FCRA obligations apply. 

Specific Violations 1. 15 U.S.C. 1681c ( a ) : Prohibits reporting obsolete or outdated information ( civil judgments, liens, adverse items over 7 years ; bankruptcies over 10 years ).

2. 15 U.S.C. 1681i ( a ) : Requires reasonable reinvestigation of disputed items and permanent deletion of unverifiable or obsolete data.

3. 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy of consumer reports.

4. 12 U.S.C. ( Banking Law ) : Prohibits furnishing inaccurate data that interferes with fair lending decisions.

5. 18 U.S.C. 1001, 1028, 1029, 1030 : Criminalizes false, fraudulent, or unauthorized use of consumer data. Knowingly selling or redistributing false information to financial institutions creates liability.

6. New York General Business Law 349350 : Prohibits deceptive and unfair business practices, including dissemination of false or obsolete consumer data that harms credit access. 

Demands 1. Immediate reinvestigation and permanent deletion of any information already purged from my LexisNexis consumer file and all three major credit bureau files. 
2. Complete purge of obsolete, unverifiable, or inaccurate data from all XXXX  databases and derivative products sold to banks, government entities, and private investigators. 
3. Written confirmation within 30 days that the disputed data has been deleted across all platforms, and will no longer be furnished to third parties. 
4. A complete copy of all data XXXX maintains, distributes, or sells about me, pursuant to my rights under 15 U.S.C. 1681g. 

Notice of Legal Action If this demand is ignored, I will proceed to retain counsel and initiate litigation under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA. I will also pursue : Subpoenas for XXXX  records, data sources, and distribution logs Claims for statutory and punitive damages under federal and New York law Complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Comptroller of the Currency ( OCC ), and the New York State Attorney General This is your final notice. You are legally required to comply. Failure to act will result in legal enforcement.

Company response to consumer: Closed with non-monetary relief