Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
XX/XX/XXXX LexisNexis Risk Solutions Attn : Privacy Office XXXX XXXX XXXX XXXX, GA XXXX RE : FORMAL DEMAND TO CEASE AND DESIST UNAUTHORIZED SHARING OF PERSONAL INFORMATION To Whom It May Concern : This correspondence serves as a formal and final notice demanding that LexisNexis Risk Solutions IMMEDIATELY CEASE AND DESIST from collecting, aggregating, maintaining, disclosing, selling, or otherwise sharing any of my personal information with third partiesincluding, but not limited to, government entities, creditors, financial institutions, data brokers, or background screening services. 

I have never given LexisNexis express or implied consent to obtain, retain, distribute, or otherwise use any of my personally identifiable information ( PII ), including but not limited to my name, Social Security number, address history, employment data, or credit-related information. Your unauthorized collection and distribution of this data has caused irreparable harm to my financial and personal privacy. 

VIOLATIONS OF FEDERAL LAW Your actions constitute a blatant violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which mandates that consumer reporting agencies adhere to strict procedures ensuring the maximum possible accuracy of consumer data and prohibit disclosure of such data except under lawful and authorized circumstances. 

As established in Safeco Ins. Co. of Am. v. Burr, 551 U.S. 47 ( 2007 ), any reckless disregard for the FCRAs requirements constitutes willful noncompliance. Further, in Spokeo, Inc. v. Robins, 578 U.S. 330 ( 2016 ), the U.S. Supreme Court held that unauthorized disclosure and misuse of personal data creates concrete injury sufficient for standing under Article III.

Moreover, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the data you maintain and distribute. There is no indication that your organization has fulfilled this statutory obligation with respect to my personal file. 

DAMAGES AND ACCOUNTABILITY As a direct result of your unauthorized conduct, I have suffered tangible and non-tangible harm, including but not limited to : - Increased interest rates on credit and auto loan applications- Denials for credit cards and other financial products - Prejudicial outcomes in employment background checks I hereby place you on notice that should this violation continue, I will pursue all available legal remedies under 15 U.S.C. 1681n and 1681o, which entitle me to recover actual damages, statutory damages, punitive damages, and attorneys fees for negligent and willful noncompliance.

DEMAND FOR IMMEDIATE ACTION Accordingly, I demand that LexisNexis Risk Solutions take the following actions within TEN ( 10 ) BUSINESS DAYS of receipt of this letter : 1. Immediately cease and desist from any further collection, use, or distribution of my personal data ; 2. Permanently delete all records associated with my identity, including my name, Social Security number, and any other linked data, from your databases and affiliated systems ; 3. Provide a full consumer disclosure detailing every item of information currently held in your records, as well as a list of all third parties to whom my information has been disclosed in the past two ( 2 ) years ; 4. Furnish written confirmation that these demands have been satisfied. 

Failure to comply with this demand will result in the immediate initiation of formal legal action without further notice. This letter shall serve as a final warning. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief