Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing regarding unauthorized information on my report which is in violation of FCRA and related laws. Per 15 USC 1681 Congress stresses the need to protect my right to privacy and ensuring that your company complies with laws to do so.

Consumer report as defined in 15 USC 1681a is " any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ''. This does not include a " report containing information solely as to transactions or experiences between the consumer and the person making the report '' pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Reporting financial transactions between myself and the company making the report is illegal.

Further, according to 15 U.S. Code 1681b, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates ''. Based on this law, I am directing you to remove the inquiry as I am the consumer to whom the report relates. Additionally, Public Law 90-321 ( 82 Stat 146 ) states " that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ''.

The Privacy Act of 1974 states " term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. The Act goes on to provide conditions for disclosure by stating " no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ''. To reiterate, I did not provide written consent to Lexis Nexis to place this information regarding a financial transaction on my report.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this 15 USC 1681e. Violations of this law make you civilly liable for damages.

You have a responsibility to immediately delete the information until you can provide evidence that the information reporting is valid per 15 USC 1681s-2.

The following information needs to be deleted from my report per the previous explanation : Justice of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Filing Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation