Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I am filing this formal complaint against LexisNexis and XXXX for their continued failure to remove fraudulent accounts and unauthorized inquiries from my credit file, in clear violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act, and California consumer protection laws . 

Despite multiple disputes submitted over the past six months, both credit reporting agencies have failed to : Conduct a proper investigation into my disputes as required under FCRA 611 ( a ) ( 1 ) ( A ).

Provide documentation validating the disputed accounts, in violation of FDCPA 15 U.S.C. 1692g. 
Block and remove fraudulent accounts and unauthorized inquiries despite my submission of proper identity theft documentation, in violation of FCRA 605B and California Civil Code 1798.93. 
Summary of the Violations Committed : 1. Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) LexisNexis and XXXX have failed to maintain accurate credit files by continuing to report fraudulent accounts and unauthorized inquiries, despite clear discrepancies in balances, open dates, and payment history.

2. Failure to Investigate and Reinvestigate ( FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) ) Under the FCRA, credit reporting agencies must complete a dispute investigation within 30 days. My disputes remain unresolved after six months, violating federal law.

3. Failure to Block Fraudulent Accounts Upon Proper Identity Theft Notification ( FCRA 605B, California Civil Code 1798.93 ) The law requires consumer reporting agencies to block fraudulent accounts upon receipt of police reports and identity theft affidavits. I have provided this documentation, yet these accounts remain on my report. 

4. Failure to Validate Alleged Debts ( FDCPA 15 U.S.C. 1692g ) Creditors and credit bureaus must notify consumers within five days of reporting a new account and provide validation upon request. This was not done. 

5. Violation of Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) By allowing fraudulent accounts to persist on my credit file, LexisNexis and XXXX have failed to protect my sensitive personal data, as required by law.

6. Violation of California Consumer Protection Laws California Consumer Credit Reporting Agencies Act ( Civil Code 1785.25 ( a ) ) : Prohibits credit bureaus from reporting inaccurate information. 
California Unfair Competition Law ( Business & Professions Code 17200 et seq. ) : Prohibits deceptive business practices, including the failure to correct fraudulent credit reports. 
California Penal Code 530.5 : Defines identity theft as a criminal act, requiring the immediate removal of fraudulent accounts. 
Fraudulent Accounts and Unauthorized Inquiries in Dispute : XXXX XXXX XXXX XXXX ( Account # : XXXX ) Issue : Conflicting open dates, unauthorized activity, and failure to validate across bureaus. 
Laws Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ), California Civil Code 1785.25 ( a ). 
XXXX Bank XXXX XXXX XXXX XXXX ( Account # : XXXX ) Issue : Fraudulent account opened without consent, unverified by furnishers. 
Laws Violated : 15 U.S.C. 1681, 1692g, FCRA 607 ( b ), California Civil Code 1785.25 ( a ). 
Unauthorized Credit Inquiries by XXXX  XXXX and Others These inquiries were not authorized and must be removed under California Civil Code 1798.93.

Company response to consumer: Closed with non-monetary relief