Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Subject : Formal Dispute, Demand for Correction, and Cease and Desist Notice Pursuant to FCRA, FDCPA, Gramm-Leach-Bliley Act, and Texas Law 1. Inaccuracies Identified XXXX XXXX asserts that the following information in his consumer file maintained by LexisNexis is inaccurate, incomplete, or fraudulent. Attached is a XXXX document dated XX/XX/XXXX, with detailed markings and annotations highlighting the specific issues in the LexisNexis report that require immediate attention and correction. 

Phone Numbers Primary Phone Number : XXXX ( Current and active ). 
Fraudulent/Incorrect Phone Numbers : ( XXXX ) XXXX ( Old and previous numberRemove ). 
XXXX ( Fraudulent ). 
Email Addresses Primary Email : XXXX ( Current and active ). 
Fraudulent/Incorrect Emails : XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( RemoveNot associated ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
XXXX ( Fraudulent ). 
Addresses Primary Residential Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Current and associated ). 
Business Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Current and associated ). 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( Current and associated ). 
Fraudulent/Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( FraudulentInvestigate source ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX, XXXX, TX XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX, XXXX, TX XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX, XXXX, NY XXXX ( FraudulentInvestigate source ). 
XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( FraudulentInvestigate source ). 
XXXX XXXX XXXX, XXXX, NY XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX, XXXX, TX XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX, XXXX, TX XXXX ( FraudulentInvestigate source ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( RemoveNot associated ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ( RemoveNot associated ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX ( RemoveNot associated ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( RemoveNot associated ). 
XXXX XXXX XXXX XXXX : Email : XXXX. 
Not associatedRemove. 
XXXX ( Company Unspecified ) : Email : XXXX. 
Possibly a technology or consulting firm. 
XXXX ( Company Unspecified ) : Email : XXXX ( Fraudulent ). 
Likely a technology or IT-related company. 
XXXX ( XXXX XXXX ) : Email : XXXX ( Fraudulent ). 
Could be a generic work-related email domain. 
XXXX : Emails : XXXX, XXXX ( Fraudulent ). 
Likely associated with XXXX XXXX or a related role. 
2. Legal Violations LexisNexiss failure to ensure the accuracy and completeness of the consumer file constitutes violations of the following laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.
15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681n and 1681o : Liability for willful and negligent noncompliance, entitling XXXX XXXX to statutory, punitive, and actual damages. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Reporting false and misleading information facilitates deceptive and abusive debt collection practices. 
15 U.S.C. 1692f : Allowing the continued reporting of inaccurate debts constitutes unconscionable practices.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Failure to provide clear privacy notices and safeguard personal information.

Texas Laws Finance Code 392.304 : Reporting false or misleading information about a consumer debt.

Civil Practice and Remedies Code 16.004 : Failure to address inaccuracies within the statutory limitations period.

3. Demand for Action Pursuant to the above laws, XXXX XXXX demands the following actions : Immediate Correction : Remove all inaccurate and fraudulent information from his consumer file. 
Conduct a thorough investigation into the sources of fraudulent data.

Written Confirmation : Provide written confirmation of the corrections made within 30 days of receipt of this letter. 
Compliance with Laws : Ensure future compliance with FCRA, FDCPA, Gramm-Leach-Bliley Act, and Texas laws. 
4. Cease and Desist Notice Pursuant to 15 U.S.C. 1692c and 12 CFR Part 1006, XXXX XXXX demands that LexisNexis immediately cease and desist from : Reporting or disseminating inaccurate or fraudulent information about him. 
Contacting him or any third parties regarding the disputed information. 
Failing to comply with his rights under FCRA, FDCPA, and Texas law. 
5. Legal Consequences Failure to address these issues promptly will leave XXXX XXXX no choice but to pursue further legal action, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Initiating legal proceedings for damages under FCRA, FDCPA, and Texas laws. 
6. LEGAL NOTICES A. Attachments Reviewed : LexisNexis must acknowledge review of all 10 statutory attachments provided, including : 12 CFR Part 1006 - Debt Collection Practices ( Regulation F ) 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance 15 U.S.C. 1692c - Communication in Connection with Debt Collection 15 U.S.C. 1692e - False or Misleading Representations 15 U.S.C. 1692f - Unfair Practices 15 U.S.C. 6802 - Gramm-Leach-Bliley Privacy Provisions Texas Finance Code 392.304 - False or Misleading Representations Texas Civil Practice & Remedies Code 16.004 - Statute of Limitations Texas Business & Commerce Code 9.406 - Restrictions on Assignment of Claims B. Non-Compliance Consequences : Failure to respond will trigger : CFPB/FTC complaints ( Case ready for submission ) Texas Attorney General intervention Civil action for statutory damages 7. Enclosures For validation, the following documents are enclosed : 64-Page Document : Detailed report dated XX/XX/XXXX, with markings indicating the issues in the LexisNexis report . 
Notarized Sworn Affidavit : XXXX pages, dated XX/XX/XXXX. 
Copy of Drivers License.

Copy of Social Security Card.

Copy of Utility Bill.

Copy of USA Passport Card. 
8. Legal Precedents LexisNexis is reminded of the following legal precedents that support XXXX XXXX claims : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Reinvestigation that merely parrots information from the original source does not fulfill the CRAs obligations under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX pattern of failing to conduct reasonable investigations and ensuring maximum possible accuracy. 
9. Final Notice This letter serves as XXXX XXXX final notice. I expect a response within 30 days of receipt of this letter. Please contact me at the above email address or my physical address if additional information is required.

Company response to consumer: Closed with non-monetary relief