Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
This correspondence places XXXX, LexisNexis XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX on formal notice of continuing statutory violations and interference with a binding judicial order. 

Despite actual notice of identity theft, sworn affidavits, multiple disputes, and a Temporary Restraining Order ( TRO ) issued on XX/XX/XXXX by the Supreme Court of the State of New York, XXXX XXXX XXXX XXXX, your agencies continue to maintain, publish, and disseminate fraudulent and inaccurate consumer data, including information derived from or connected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Your continued reporting constitutes violations of federal law, New York statutory law, and contemptuous interference with a court-ordered restraint. 

1. Violation of the XX/XX/XXXX Temporary Restraining Order On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, issued a Temporary Restraining Order expressly prohibiting : the furnishing, publishing, circulation, dissemination, or re-reporting of any disputed tradeline identified in the proceeding.

That TRO remains fully binding, including after removal to federal court, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) and Fed. XXXX XXXX. XXXX XXXX ( c ). 

By continuing to maintain and disseminate data concerning XXXX XXXX XXXX XXXX XXXX, your agencies are : Acting in concert with restrained consumer reporting agencies ; Undermining the court-ordered status quo ; Engaging in conduct constituting active contempt and equitable interference with trust property. 

XXXX. Violation of the New York Fair Credit Reporting Act ( GBL 380 ) New York law governs reporting involving a New York consumer and imposes independent obligations beyond federal FCRA.

GBL 380-j Duties of Furnishers & Reporting Agencies Requires entities that assemble or evaluate consumer data to : Report only accurate information ; Correct or delete inaccurate data ; Cease dissemination of identity-theft related information ; Respect known disputes and sworn identity-theft documentation.

GBL 380-l Identity Theft Blocking Requires blocking within four ( XXXX ) business days after receipt of : An FTC Identity Theft Report, or A sworn identity-theft affidavit. 

Each of you received such notice. 
No lawful blocking has occurred. 

XXXX. Violation of the New York Identity Theft Prevention Act New XXXX Identity Theft Prevention Act mirrors FCRA 1681c-2 and mandates that consumer reporting agencies and data brokers must : Cease reporting identity-theft data upon notice ; Block fraudulent accounts ; Implement reasonable procedures to ensure accuracy. 

Your failure to do so constitutes statutory noncompliance. 

XXXX. Violation of New York General Business Law 349 ( Deceptive Acts & Practices ) Continuing to publish false delinquency, charge-off, or risk data after : An FTC Identity Theft Report ; Repeated disputes ; A binding state-court TRO ; constitutes a deceptive business practice under GBL 349.

New York law prohibits : Misrepresentation of consumer debt status ; Unfair or deceptive credit-related practices ; Publication of data known to be false or unverified. 

Each element of a GBL 349 claim is satisfied. 

XXXX. Violation of New York Privacy Protections New York law provides heightened privacy protections, including : NY Constitution, Art. I 12 Right to privacy ; NY Civil Rights Law 5051 Prohibition against nonconsensual publication of personal information causing reputational harm. 

By continuing to associate my name and trust with fraudulent accounts, your agencies are engaging in unlawful publication and reputational injury. 

XXXX. Violation of Federal FCRA Duties ( Supplemental ) Without waiving state-law claims, your conduct also violates minimum federal standards : 15 U.S.C. 1681e ( b ) Maximum possible accuracy ; 15 U.S.C. 1681i Reinvestigation obligations ; 15 U.S.C. 1681c-2 Identity-theft blocking ; 15 U.S.C. 1681s-2 Furnisher accuracy duties.

No correction, deletion, or blocking has occurred.

7. Violation of FTC Identity Theft Rules Federal regulations prohibit any consumer reporting agency or data broker from continuing to disseminate information resulting from identity theft after notice.

Your continued publication constitutes an unfair and deceptive act
under the FTC Act.

8. Interference With XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent data impacts not only the living individual but also : The fiduciary identity ; The financial standing ; The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX statutory trust. 

Unauthorized publication or administration of trust-held identifiers constitutes : Interference with trust property ; Equitable trespass upon a private estate ; Actionable misconduct under exclusive equity jurisdiction.

Company response to consumer: Closed with explanation