Consumer complaint received 2025-12-02 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: OR

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act, and my rights as a consumer. LexisNexis continues to supply false, unverified, and mismatched data to XXXX, XXXX, and XXXX, resulting in major damage to my credit profile, financial opportunities, and personal security.1. LexisNexis is Supplying False Verification to Credit Bureaus LexisNexis has repeatedly verified inaccurate and fraudulent information for the credit bureaus, including : Incorrect names Incorrect Social Security number variation ( s ) Incorrect addresses Unauthorized inquiries False public records These verifications are factually false and not based on any real documentation from me, yet they continue to be used to confirm inaccurate data about me.This violates : FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 609 ( a ) ( 1 ) Requirement to disclose all information in the consumers file CFPA UDAAP prohibitions Unfair, deceptive, and abusive acts or practices LexisNexis is materially contributing to the inaccurate reporting of my identity and credit information.2. LexisNexis Refuses to Provide My Full Consumer File I have requested my full consumer file from LexisNexis at least three times, including : All data they maintain about me All documents they use to verify my identity All records shared with third parties All public records listed under my profile All risk assessments or verification tools associated with my name or SSN LexisNexis has failed to produce my complete file, which is a direct violation of : FCRA 609 ( a ) ( 1 ) ( A ) Right to full disclosure of all information FCRA 609 ( c ) ( 1 ) ( B ) ( iii ) Requirement to explain consumer rights FCRA 610 ( a ) ( 1 ) Obligation to provide clear and accurate disclosure Denying my right to access my own information is illegal.3. LexisNexis Demands Excessive, Unnecessary, and Unsafe Personal Documents Before giving me my file, LexisNexis repeatedly demands that I send : My full Social Security card My birth certificate My drivers license LexisNexis insists on collecting this information while refusing to disclose any of the data they already maintain about me, even though they have : Used my information Shared my information with credit bureaus Verified information to third parties Contributed to identity mismatch and financial damageThis creates a security risk, especially since LexisNexis has already distributed incorrect information about me. I can not trust them with more personal data until they comply with the law and provide my file. 

This behavior violates : FCRA 604 Requirement for permissible purpose FCRA 609 ( a ) Right to disclosure without unreasonable barriers FCRA 610 ( a ) Duty to provide access in an easily understandable format UDAAP prohibitions Unfair and unsafe collection practices4. LexisNexis Has No Permission to Retain or Monetize My Information LexisNexis continues to store, use, and sell my information despite the following : They can not verify who I am accurately They have inaccurate identifiers attached to my profile They have supplied inaccurate information to the bureaus They have ignored multiple written requests for disclosure I have withdrawn any consent they claim to haveI hereby state that LexisNexis does not have my authorization to store, maintain, verify, distribute, or profit from any information connected to the following misidentified data : Any incorrect names, or name variations Any incorrect address ( es ) Any incorrect SSN variation ( s ) Any identifiers not legally associated with me Continued storage and sale of mismatched identity information violates : FCRA 605B Duty to block identity theft-related data FCRA 607 ( b ) Duty of maximum possible accuracy CFPA 1031 Prohibition on unfair or abusive practices5. LexisNexiss Actions Have Caused Severe Harm LexisNexiss false verifications and refusal to correct their records have caused : Denial of credit Improper identity association Financial hardship Reputational damage Exposure to identity theft Emotional distress Repeated disputes across multiple bureaus Ongoing financial loss caused by inaccurate reporting LexisNexis is materially responsible for the persistent inaccuracies in my credit reports

Company response to consumer: Closed with explanation