Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS
State: CA

Complaint narrative:
This is update on existing LexisNexis Risk Solutions Inc ongoing problem and their answer today 's that require full answer and attachments of their reports, letter, my correspondence for full picture of non-compliance and violations, false statements. 


Consumer : XXXX XXXX XXXX XXXX Company : LexisNexis Risk Solutions Issue : False Public Records / Willful FCRA Violations State : California Complaint Narrative LexisNexis Risk Solutions ( LNRS ) has committed multiple willful violations of the Fair Credit Reporting Act ( FCRA ), California CCRAA, and the Rosenthal Act by publishing four false bankruptcy petitions, verifying them twice in writing, making a false statement to the CFPB, and admitting it has no reasonable accuracy procedures beyond scraping PACER. 
These violations caused serious credit harm, including mortgage interference and financial injury. 

I am requesting CFPB enforcement, Sentinel escalation, and regulatory referral, and am seeking financial damages totaling {$480000.00}, with litigation exposure of {$1.00} XXXX based on willful statutory violations. 


1. LNRS Published Four Bankruptcy Petitions That Never Belonged to Me LNRS distributed four ( 4 ) dismissed bankruptcy petitions under my name : These petitions never belonged to me. 

They were dismissed and should never have appeared on any consumer file. 

LNRS never matched SSN, DOB, address, or filing party identity. 

This violates 15 U.S.C. 1681e ( b ), which requires CRAs to follow reasonable procedures to ensure maximum possible accuracy. 


2. LNRS Verified These False Bankruptcies Twice Proving Willfulness ( XXXX XXXX XXXX ) LNRS sent two separate written verifications : A. XX/XX/XXXX Letter LNRS wrote : We have reviewed the information from our Bankruptcy Records and determined the data is accurate. 

This was false. 
LNRS knew ( or should have known ) all four cases were dismissed and not mine. 

B. XX/XX/XXXX Letter This second letter : Again stated the bankruptcies were accurate Did not include any procedures Admitted reliance solely on PACER Service Center This shows reckless disregard, which constitutes willfulness under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
LNRS doubled down on false data after notice a textbook 1681n willful violation. 


3. LNRS Made a False Statement to the CFPB ( XX/XX/XXXX Response ) In its response to my earlier CFPB complaint, LNRS falsely claimed : We previously mailed you a letter on XX/XX/XXXX with our procedures enclosed. 

This is demonstrably false. 

The XX/XX/XXXX mailing contained : no procedures, no accuracy controls, no reinvestigation methodology, no reasonable procedures description under 1681e ( b ), no disclosure required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Instead, it was merely a second verification of the same false bankruptcies. 

Providing false information to the CFPB itself is a willful statutory violation, and demonstrates full awareness of noncompliance. 


4. LNRS Admitted Its Only Procedure Is PACER Scraping LNRS stated in writing that the source of its verification was : PACER Service Center. 


This admission proves LNRS : does not verify identity, does not match consumers to docket parties, does not examine dispositions, does not check for dismissals, does not maintain accuracy systems, does not conduct a legally compliant reinvestigation. 

This violates 15 U.S.C. 1681e ( b ) ( reasonable procedures ) and 1681i ( a ) ( reinvestigation duties ). 


5. LNRS Admitted It Is a Data-Reseller to CRAs LNRSs letter explicitly stated it provides credit report information to CRAs. 

This triggers additional liability under : FCRA Furnisher Duties 15 U.S.C. 1681s-2 ( a ) California CCRAA Civil Code 1785.14 ( a ) Rosenthal Act Civil Code 1788.17 LNRS injected the false bankruptcies into the national credit system. 


6. Resulting Harm : Mortgage Interference and Financial Damage Due to LNRSs false bankruptcy reporting and repeated verification, I suffered : mortgage denial, damaged underwriting eligibility, increased lending risk classification, inability to qualify for rate programs, reputational financial injury. 


These are actual damages under 15 U.S.C. 1681o. 


7. Four False Bankruptcies = Federal Court Data Misuse LNRS distributed incorrect federal bankruptcy court records in violation of accuracy standards. 

For this reason, I am referring this matter to : U.S. Trustee Program Department of Justice U.S. Bankruptcy Trustee XXXX District of California 8. Pattern of Willfulness Justifying Maximum Remedies LNRS engaged in : 1. Publishing four false bankruptcies 2. Verifying them twice after notice 3. Failing to provide procedures 4. Making a false statement to the CFPB 5. Relying exclusively on PACER scraping 6. Acting as a credit data reseller without accuracy controls These acts satisfy willfulness under 15 U.S.C. 1681n. 

9. Request for CFPB Enforcement, Sentinel Escalation, and Regulatory Review Given the severity and multi-layered failures, I request : CFPB Sentinel Network escalation CFPB Enforcement Division review FTC Consumer Protection referral OCC and OIG coordination California Attorney General oversight Supervisory examination of LNRS procedures 10. Requested Resolution I request the CFPB require LNRS to : 1. Delete all four false bankruptcies from all LNRS systems. 

2. Provide actual accuracy procedures under 1681i ( a ) ( 6 ) ( B ) ( iii ). 

3. Notify every reseller partner of deletion. 

4. Correct its false statement made to the CFPB. 

5. Implement reasonable procedures under 1681e ( b ). 

Additionally, I am seeking monetary compensation in the amount of {$480000.00} consistent with documented harm and willful statutory violations, with litigation exposure of {$1.00} XXXX should this matter proceed to court.

Company response to consumer: Closed with explanation