Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint because LexisNexis Risk Solutions and LexisNexis Consumer Center have repeatedly failed to address my actual dispute, and my prior CFPB complaints are being closed based on the same copy-and-paste responses that do not resolve the issues I raised. 

I am a Texas consumer. My core issue is simple : I am not disputing that a bankruptcy exists in PACER. I am disputing that LexisNexis is allowed to access, process, and sell/share that bankruptcy and other data at all while my LexisNexis file is under a security freeze and while I am exercising my state and federal deletion/privacy rights. 

I have filed multiple CFPB complaints about this : XX/XX/XXXX CFPB Case # XXXX XX/XX/XXXX CFPB Case # XXXX XX/XX/XXXX CFPB Case # XXXX XX/XX/XXXX CFPB Case # XXXX In each of these, I explained that : My LexisNexis file has a security freeze that LexisNexis itself confirmed in writing as active since at least XXXX. 

I have made repeated, verified Right-to-Delete and Right-to-Access requests. 

LexisNexis continues to respond with generic we can not authenticate your identity letters even though they are clearly using and selling my data. 

My dispute is that LexisNexis should not be furnishing or selling any bankruptcy information about me to consumer reporting agencies while my file is frozen and after Ive demanded deletion. 

On XX/XX/XXXX, LexisNexis sent me two letters : A Consumer Disclosure Report letter stating that, pursuant to FCRA 609, they were providing a 16-page LexisNexis Consumer Disclosure via a one-time URL and PIN, including : Alerts/flags ( including security freezes ) Data under dispute Sources of the data A list of entities that requested my information in the last 12 months Copies of actual reports they provided to companies This proves they can authenticate my identity and that they have been supplying my data to third parties. 

A separate Results of Reinvestigation letter where they say they reinvestigated and found my Identification Records and Bankruptcy Records accurate, and that they verified the bankruptcy using PACER. They then cite my Texas rights, including the right to file an action in court under Texas Business & Commerce Code Chapter 20.

Again : I am not disputing that a bankruptcy exists in PACER. My dispute is : How did LexisNexis access and furnish a XXXX bankruptcy record to credit bureaus if my LexisNexis file has allegedly been frozen since XXXX? 

How can they claim they can not authenticate my identity while at the same time creating a 16-page consumer disclosure, tracking my requests, and listing out entities they sold or furnished my data to? 

Why are my repeated Right to Delete and freeze requests being ignored, and why is the CFPB allowing LexisNexis to close out complaints with the same boilerplate letters that do not address these questions? 

At this point, LexisNexis is not just making a mistake ; they are choosing to continue processing and selling my data : Despite my security freeze, Despite my verified deletion/access requests, and Despite multiple CFPB complaints where I have clearly explained the issue. 

I am asking the CFPB to do more than simply forward my complaint and accept the same template we verified it in PACER response. I am requesting : Escalation and manual review of this complaint, not an automatic closure based on LexisNexiss form letter.

A direct answer to these specific questions : How does LexisNexis justify accessing and furnishing a XXXX bankruptcy to consumer reporting agencies while my LexisNexis file is under a security freeze they admit has been active since XXXX? 

How are they allowed to ignore my Texas Right-to-Delete and my repeated requests to stop processing my data?

An order requiring LexisNexis to : Permanently delete all personal data they maintain about me ( including bankruptcy/public record information and address history ), Provide a full accounting of each third party they furnished/sold my data to, and Confirm in writing that they will no longer access or furnish my data while a freeze is in place and after my deletion request. 

I am actively collecting every CFPB complaint, every LexisNexis response, and every piece of correspondence. If this is not resolved, I intend to exercise my right under Texas Business & Commerce Code Chapter 20 and the FCRA to pursue a lawsuit for each violation. I am asking the CFPB to treat this as an enforcement issue, not just a he said/ they said dispute that can be closed with a generic response.

Company response to consumer: Closed with explanation