Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XX/XX/XXXX RE : Formal Complaint Against LexisNexis Risk Solutions- Refusal to Comply with Fair Credit Reporting Act and Suppression of Personal Information - Victim of Long-Standing Identity Theft Dear Director of the Consumer Financial Protection Bureau XXXX This formal complaint is being filed against LexisNexis Risk Solutions , a consumer reporting agency operating their " risk management Internet background check '' department. I am writing to report on their unlawful refusal to comply with the Fair Credit Reporting Act ( FCRA ) by suppressing my personal information, freezing any associated account, and allowing me to opt out of the sale of my personal information. 

I have been a victim of identity theft since XXXX and have spent the better half of almost XXXX years suffering the ill effects of this crime. Since learning of the identity theft, I have been extremely diligent in protecting the disclosure of my private information, including my residence and employment details. Despite these efforts, I have never provided consent, either directly to LexisNexis or to any of their private data sources, for the collection and processing of my personal information. The ongoing impact of this identity theft is evidenced by extended fraud alerts currently placed on my reports with all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). I have also filed formal fraud reports with the state police and the Federal Trade Commission ( FTC ) regarding this long-standing issue. 

On XXXX XX/XX/XXXX, again on XXXX XX/XX/XXXX I contacted LexisNexis to request that they freeze any account associated with me, delete all personal information they have collected without my consent, and allow me to opt out of the sale of my personal information to their customers, as is my right under the FCRA. During this communication, a representative of LexisNexis explicitly refused to comply with these requests. They stated that I must provide them with my Social Security number and driver 's license number before they consider taking any action. 

I vehemently object to this demand and refuse to provide such sensitive information. If LexisNexis possesses my Social Security number or driver 's license number, it has been obtained unlawfully, likely as a result of the identity theft I have been battling since XXXX. LexisNexis had a legal and ethical responsibility to ensure that the sources from which they collected personal information obtained that information lawfully and with proper consent. Their failure to do so has potentially exacerbated the long-term harm caused by the identity theft. 

Furthermore, during my conversation, the LexisNexis representative stated that they could not locate any records associated with me using my date of birth, current residence, and full legal name. This inability to locate my information could be due to the fraudulent information generated by the identity theft, which I am actively working to rectify after nearly two decades. Alternatively, it suggests a deliberate and defiant obstruction on the part of LexisNexis to avoid addressing my legitimate concerns and legal rights as a long-term victim of identity theft. 

I believe LexisNexis 's actions constitute a clear pattern of deterring, delaying, and denying my rights as a consumer under the FCRA, particularly given my documented history as an identity theft victim. Their insistence on obtaining further sensitive personal information from me as a prerequisite for exercising my legal rights is not only unreasonable but also potentially dangerous, especially considering the events of XXXX. Their refusal to freeze any potential account, delete unlawfully obtained information, and allow me to opt out of the sale of my data demonstrates a blatant disregard for consumer protection laws and the unique challenges faced by identity theft victims. 

I respectfully request that the Consumer Financial Protection Bureau investigate the practices of LexisNexis Risk Solutions, specifically their " risk management Internet background check '' department, regarding their compliance with the Fair Credit Reporting Act. I urge the Bureau to take appropriate enforcement action to compel LexisNexis to : Immediately freeze any account or profile associated with my name and identify information. 

Thoroughly investigate their data collection practices and delete all personal information pertaining to me that was obtained without my explicit consent, especially given the context of my long-standing identity theft. 

Allow me to fully opt out of the sale of my personal information to their customers, without requiring the provision of further sensitive personal information. 

Comply fully with all provisions of the Fair Credit Reporting Act and cease their unlawful practices, particularly in their interactions with known victims of identity theft. 

I am available to provide any further information or clarification that may be required for this investigation into this matter that has affected me since XXXX. 

Thank you for your time and attention to this critical matter. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief