Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: SC

Complaint narrative:
LEGAL DEMAND FOR IMMEDIATE DELETION AND PROOF OF PERMISSIBLE PURPOSE PURSUANT TO THE FCRA, 15 U.S. CODE 1681b, 1681g, 1681i, 1681s-2, and 1681e From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX, GA XXXX AND XXXX, XXXX ( XXXX ) XXXX XXXX XXXX. 
XXXX, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year>XXXX  SUBJECT : LEGAL DEMAND FOR IMMEDIATE DELETION AND PROOF OF PERMISSIBLE PURPOSE To Whom It May Concern : This is a formal demand for immediate action under the Fair Credit Reporting Act ( FCRA ) and all applicable consumer protection laws. 

Upon reviewing my tenant screening report, I discovered a derogatory entry involving an eviction record allegedly sourced from the XXXX XXXX XXXX XXXX, reported by LexisNexis and distributed through XXXX This entry is inaccurate, unverified, and unlawfully published without my knowledge or authorization. 


I WAS NEVER SERVED ANY LEGAL NOTICE. DO YOU HAVE PROOF I WAS SERVED, PLEASE SEND ANY AND ALL METHODS OF VERIFICATION, THE DESCRIPTION OF THE PROCDURE ALL DOCUMENTS THAT YOU HAVE TO PROVE THIS IS REPORTING ACCURATELY. 
The record reflects a " Possession Only Judgment for Plaintiff '' tied to XXXX XXXX. XXXX. I was never notified, never served, and had no opportunity to appear or defend myself, which makes this judgment void under : - Rule 60 ( b ) ( 4 ) of the North Carolina Rules of Civil Procedure - 14th Amendment ( Due Process Clause ) This alone disqualifies the record from being legally reportable. 

YOU HAVE VIOLATED MULTIPLE FEDERAL LAWS : FCRA 604 ( 15 USC 1681b ) No Permissible Purpose You are furnishing and distributing information without proof of a valid permissible purpose or my written authorization. I demand a copy of any documentation that demonstrates : - Why you accessed or distributed my personal data - When I authorized this - My signed consent ( wet signature ) FCRA 607 ( b ) Duty to Ensure Maximum Accuracy The eviction record you published is inaccurate and misleading. You reported a civil judgment without confirming service or court validity, which violates your legal duty to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) Right to Disclosure You must provide all information in my file, including : - Name and contact of data furnisher - The date of reporting - The source ( XXXX XXXX XXXX or other ) - Copies of any public records or supporting documents FCRA 611 ( a ) Reinvestigation You must conduct a full and prompt reinvestigation of this entry within 30 days. If the entry can not be verified with proper documentation, it must be immediately deleted. 

FCRA 611 ( d ) Inaccuracy Notice If this entry is not removed, you must include a Notice of Dispute on ALL future and current reports where this record appears.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers Any landlord or agency that reported this information to you was required to ensure its accuracy and completeness. If it was reported with incomplete or misleading data ( like failure to mention I was never served ), its a violation.

YOU HAVE 7 DAYS TO COMPLY. 

I hereby demand that : 1. This eviction record be removed in its entirety from my file and all systems.

2. A full reinvestigation be completed under FCRA 611.

3. You provide written documentation showing : - My signed authorization to report or distribute this record - The permissible purpose for including it in my file- The source ( s ) of all data- The full audit trail of when and how it was reported If you fail to comply, I will : - File complaints with the Consumer Financial Protection Bureau ( CFPB ) - File complaints with my State Attorney Generals Office- Consider legal action for willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, which allow for actual damages, punitive damages, attorneys fees, and court costs. 

This letter is being sent via email and certified mail for documentation and legal tracking. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation