Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis is unlawfully withholding my full consumer file and continuing to maintain and distribute unverified personal data. 

I previously filed CFPB complaint # XXXX. LexisNexis claimed they could not authenticate my identity. In this complaint, I am providing new identity verification, including : Exhibit A XXXX Passport ( Government ID ) Exhibit B XXXX Proof of Address Confirmation Exhibit C Social Security verification document ( first time submitted securely ) These documents satisfy identity verification requirements under FCRA 609 ( a ). Any further request for additional verification is prohibited under FCRA 610 ( a ) as an unreasonable barrier to disclosure.

I am exercising my right to receive my complete LexisNexis Consumer Disclosure Report and all underlying data files, as well as all records related to the sourcing, verification, scoring, and distribution of my information. 

LexisNexis must provide : XXXX. Full consumer disclosure report XXXX. All personal identifiers including name variations, current and historical addresses, phone numbers, emails, and associated identifiers XXXX. Complete address and phone number history with source attribution XXXX. Full data source list, including names of furnishers, vendors, third parties, databases, public records, and commercial data suppliers that contributed any information to my file XXXX. Permissible purpose for collection and disclosure of each data point under FCRA 604 XXXX. Method of Verification used for all disputed data per FCRA 611 ( a ) ( 7 ) XXXX. Consumer report inquiry logs, including : All companies, agencies, landlords, employers, insurers, or third parties that accessed my information Dates, purposes, and categories of access XXXX. Risk, identity, or fraud scores and attributes, including Scoring models, reason codes, and evaluation factors XXXX. Public record data linked to my identity, including any court, property, legal, or government file indexing XXXX. Data-sharing and distribution records, including all credit bureaus, screening companies, data resellers, and risk platforms receiving my information XXXX. Dispute history and verification results for any prior challenges XXXX. Retention and deletion policies applied to my data LexisNexis has no legal basis to withhold this information. Their continued failure to provide disclosure violates : FCRA 609 ( a ) Right to full consumer file disclosure FCRA 610 ( a ) No unreasonable identity verification barriers FCRA 611 ( a ) ( 7 ) Must provide Method of Verification FCRA 623 ( a ) Can not furnish unverified or inaccurate data FCRA 604 Must have permissible purpose for all data collection and distribution I also demand : Permanent deletion of any address, phone number, identifier, or record that can not be verified with complete source documentation Written confirmation of deletion Cease sharing or furnishing my data until full verification is completed All records delivered electronically through this CFPB complaint channel Failure to provide the complete file and supporting records is a continuing statutory violation

Company response to consumer: Closed with explanation