Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to you as legal representation for XXXX XXXX XXXX XXXX, a New York resident, regarding egregiously inaccurate and unverified entries currently appearing on his LexisNexis Consumer Disclosure Report ( Case No. XXXX ). These records are causing irreparable harm and economic obstruction, and are in direct violation of federal and state consumer protection laws.

1. Legal Authority Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and specifically : 1681e ( b ) : LexisNexis must follow reasonable procedures to assure maximum possible accuracy.

1681i : Consumers have the right to dispute the completeness or accuracy of any item of information.

Additionally, under 12 U.S.C. 4901 et seq. and the Consumer Protection Law of New York State ( Gen. Bus. Law 349 ), LexisNexis is prohibited from maintaining or disseminating inaccurate, outdated, or misleading personal data that has a foreseeable impact on the consumers access to financial services.

2. Specific Removals Requested You are hereby demanded to immediately and permanently REMOVE the following Sections from XXXX XXXX consumer file, as they are either inaccurate, unverified, obsolete, or violate the above statutes : Section 7 : Automobile Insurance Claim Records Section 8 : Department of Driver Services Records Section 9 : Driver License Records Section 10 : LexisNexis Search Transaction Detail Section 11 : Inquiry Records These records are not only irrelevant for current permissible purposes under 15 U.S.C. 1681b, but have no demonstrable need to be retained or shared with third parties. Inclusion of these items constitutes willful negligence and is actionable under 1681n and 1681o, should this request be ignored.

3. Correction of Contact Information You are further directed to correct the Phone Number Variations section to reflect only one verified number : ( XXXX ) XXXX All other entries ( e.g., XXXX, XXXX, XXXX ) must be immediately purged as inaccurate and unauthorized. 
4. Manual Investigation Requirement Pursuant to 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), I am asserting the right to a manual review of this dispute. You are forbidden from using any form of automated or AI-based software to assess or resolve this matter. A human representative must validate all source data as required by law. This is a matter of legal compliance and due diligence.

5. Deadline and Further Action You are required to complete your investigation and respond within 30 days of receipt of this letter, as mandated by 1681i ( a ) ( 1 ) ( A ). If LexisNexis fails to comply, I will pursue all available legal remedies including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and New York State Attorney General.

Initiating legal action under 15 U.S.C. 1681n/o for damages, attorneys fees, and equitable relief.

Company response to consumer: Closed with non-monetary relief