Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( " FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : XXXX. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX, XXXX ) XXXX. Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; XXXX. Not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; XXXX. Provide consumer file pursuant to 15 U.S.C. 1681g ; Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 

For your convenience, I am sending you a list of the items you need to verify. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my consumer report. See Exhibit A below. 

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 


-- - My Verified Identity ( For Matching Purposes Only ) : Name : XXXX XXXX XXXX XXXX of Birth : XXXXXXXX XXXX XXXXXXXX XXXX ( last XXXX ) : XXXX Current AddresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : ( XXXX ) XXXXXXXX XXXX XXXX EXHIBIT A ITEMS I AM DISPUTING XXXX XXXX Verified Names and Addresses ( Only These Should Be in My File ) : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Dispute and Request Deletion of the Following Information : Disputed Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Section : Identification Records XXXX XXXX XXXXXXXX XXXX XXXX Disputed Addresses : All addresses except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  must XXXX removed. 

Examples include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section : Address Variations and Address Characteristic Records Record Numbers : XXXX ( See source details tied to XXXX, XXXX XXXX, XXXX, and others ) XXXX XXXX  Disputed Phone Numbers : Remove all phone numbers not ending in ( XXXX ) XXXX. 

XXXX ( appears multiple times ) Other invalid/mismatched numbers Section : Phone Number Variations Record Sources XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Email Addresses : Remove any email addresses except XXXX XXXX ( not my authorized address ) Section : Email Variations Source : XXXX XXXX, XXXX. 


-- - Disputed License Numbers, SSNs, and Business Associations : Remove all : Prior driver license numbers not explicitly associated with XXXX XXXXXXXX and my name Any secondary SSN associations not ending in XXXX Any business affiliations ( insurance claims, court documents ) not verifiably associated with my identity Section : Identification Records Record Numbers : Linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. 


-- - Disputed Data Furnishers/ Source File Lines : I dispute all records associated with these entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( insofar as misreporting address, email, or phone ) -- - Summary of Disputed Categories I am also requesting the permanent deletion of all : Inaccurate or outdated addresses Unauthorized phone numbers Unauthorized or unknown email addresses Any alias or variation of my name other than XXXX XXXX XXXX Business or court records not legally tied to my identity XXXX XXXX Thank you for your prompt attention. I expect all unverified, inaccurate, or unauthorized data to be removed from my LexisNexis consumer report within XXXX  days per the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief