Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against XXXX and LexisNexis for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : XXXX U.S.C. XXXX, FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA XXXX ( a ) ( 6 ) : Failure to reinvestigate and issue findings XXXX U.S.C. XXXXg : Failure to notify consumer of alleged debts XXXX-Bliley Act ( XXXX U.S.C. XXXX ) : Failure to safeguard consumer information XXXX U.S.C. XXXX : Identity theft and misuse of personal data XXXX U.S.C. XXXXg ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXX ILCS XXXX et seq. ) : Unfair or deceptive business and reporting practices Illinois Personal Information Protection Act ( XXXX ILCS XXXX et seq. ) : Failure to properly safeguard and handle personal information in identity theft cases Fraudulent and Inaccurate Accounts to Be Removed 1. XXXX XXXX Account Number : XXXX Violations : FCRA : XXXXe ( b ), XXXXi ( a ), XXXXg, XXXXs-2 ( b ), XXXXi ( a ) ( 5 ) ( B ), XXXXc ( a ) FDCPA : XXXXg ( a ), XXXXg ( b ), XXXXe ( 8 ), XXXXd GLBA : XXXX ( b ), XXXX ( a ) Metro 2 : Reporting format violations IL Law : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXXc-2. 
XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA : XXXXe ( b ), XXXXi ( a ), XXXXg, XXXXs-2 ( b ), XXXXi ( a ) ( 5 ) ( B ), XXXXc ( a ) FDCPA : XXXXg ( a ), XXXXg ( b ), XXXXe ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) Metro 2 : Reporting format violations IL Law : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXXc-2. 
XXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) Account Number : THE XXXX Violations : FCRA : XXXXe ( b ), XXXXi ( a ), XXXXg, XXXXs-2 ( b ), XXXXi ( a ) ( 5 ) ( B ), XXXXc ( a ) FDCPA : XXXXg ( a ), XXXXg ( b ), XXXXe ( 8 ), XXXXd GLBA : XXXX ( b ), XXXX ( a ) Metro 2 : Reporting format violations IL Law : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXXc-2. 
XXXX. XXXX, XXXX. 
Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) Metro 2 : Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX, XXXX. 
Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX Account Number : XXXX & XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL Law : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX  Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX  XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) Metro 2 : Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL Law : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL Law : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX ( ORIGNAL CREDITOR : XXXX XXXX  ) Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) Metro 2 : Reporting format violations IL Law : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX ) Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) Metro 2 : Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX XXXX Reporting format violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate deletion and blocking under FCRA XXXX. 
XXXXXXXX XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX GLBA : XXXX ( b ), XXXX ( a ) XXXX XXXX : Reporting XXXX violations IL XXXX : XXXX ILCS XXXX, XXXX, XXXX DEMAND : Immediate removal of late payments under FCRA XXXX Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/XXXX Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports.

Company response to consumer: Closed with non-monetary relief