Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: CA

Complaint narrative:
Subject : Formal Complaint Against LexisNexis for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LexisNexis for multiple violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Despite my repeated attempts to access my consumer report and correct inaccuracies, LexisNexis has failed to comply with its statutory obligations under the FCRA.

1. Denial of Access to Consumer Report Under 15 U.S.C. 1681g ( a ), consumer reporting agencies are required to provide consumers with all information in their files upon request. I have made multiple requests to LexisNexis for a copy of my consumer report, yet they have failed to provide the requested information, thereby violating their obligations under the FCRA.

2. Unauthorized Security Freeze LexisNexis has placed a security freeze on my file without my authorization, preventing me from accessing my own information. This unauthorized action not only restricts my access but also contravenes the FCRA 's provisions regarding consumer rights to access and dispute information in their files. 

XXXX. Inaccurate Information in Consumer Report Upon obtaining my consumer report, I discovered that LexisNexis has included inaccurate information not associated with my legal name, XXXX XXXX XXXX. This misreporting violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Requested Actions In light of these violations, I respectfully request the Consumer Financial Protection Bureau to : Investigate LexisNexis 's Non-Compliance : Conduct a thorough investigation into LexisNexis 's failure to provide access to consumer reports, unauthorized security freezes, and inaccurate reporting.

Enforce Compliance with the FCRA : Mandate that LexisNexis provides me with immediate access to my complete and accurate consumer report, removes any unauthorized security freezes, and deletes all information not associated with my legal name, XXXX XXXX XXXX. 
Impose Statutory Fines : Pursue all fines and penalties authorized by law for LexisNexis 's willful non-compliance with the FCRA. 
LexisNexis 's actions have caused significant inconvenience and potential harm to my creditworthiness and personal reputation. I urge the Consumer Financial Protection Bureau to take swift and decisive action to rectify these violations and prevent future occurrences. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation required to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Phone : XXXX

Company response to consumer: Closed with explanation