Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Subject : Submission of Identity Verification Documents CFPB Case # XXXX To Whom It May Concern, I am submitting this correspondence to provide necessary identity verification documents in support of my ongoing complaint against LexisNexis Risk Solutions , CFPB Case # XXXX. 

Due to the CFPB complaint portals limitation on uploading personal documents such as government-issued identification and proof of address, I am submitting these documents separately to ensure compliance with verification requirements and to prevent LexisNexis from using inability to verify my identity as a stalling tactic.

Please consider this submission as part of my original complaint, and kindly ensure these documents are associated with Case # XXXX for a timely reinvestigation and resolution.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Final Demand for Immediate Metro 2 and FCRA Compliance Incomplete , Inaccurate, and Unverified Eviction Record and Personal Information Consumer : XXXX XXXX XXXX To Whom It May Concern, This letter serves as a final, formal demand that LexisNexis immediately comply with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX Metro 2

Data Reporting Specifications regarding inaccurate, incomplete, and unverifiable information reported on my LexisNexis consumer file. Violations of
Metro 2 and FCRA Standards LexisNexis is in clear violation of federal law and Metro 2 standards, including but not limited to : Inconsistent and Incorrect Reporting of Consumer Address LexisNexis initially sent a letter verifying the eviction record to my correct and verified address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, in their recent correspondence to the CFPB and in reporting to consumer reporting agencies, they are listing my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an address where I do not live, have never lived, and do not know anyone. This is a blatant violation of
Metro 2 Section 2.2 and FCRAs requirement for maximum possible accuracy of personal identifying information ( FCRA 607 ( b ) ). It also causes severe harm to my ability to receive important mail and damages my rights to proper dispute and reinvestigation processes.

Potential Privacy and Security Violation The use of an unknown and unauthorized address for reporting and sending correspondence exposes me to risk of identity theft, privacy invasion, and loss of control over my personal data. Such reckless mishandling is unacceptable and unlawful under FCRAs confidentiality provisions ( 15 U.S.C. 1681e ) and Metro 2 data security standards.

Incorrect Phone Number on File LexisNexis reports my phone number as ( XXXX ) XXXX, which is not my number. I have never authorized or provided this number. This false information further compounds the risk that personal, sensitive information is being sent to unauthorized third parties.

Risk of Identity Theft and Privacy Breach The combination of an incorrect phone number and an unknown, unauthorized address on file means LexisNexis is recklessly exposing my private information to strangers. This violates FCRA confidentiality provisions ( 15 U.S.C. 1681e ) and Metro 2 data security standards, and may constitute a breach of consumer privacy laws.

Failure to Update or Correct Personal Information Despite my dispute and providing proof of my correct address, LexisNexis continues to report the wrong address and phone number, violating Metro 2 and FCRA requirements for maintaining accurate and current personal data.

Failure to Identify Original Furnisher LexisNexis has not provided identification or verification from the original furnisher of this eviction public record, violating Metro 2 and FCRA verification standards.

Failure to Report Final Disposition LexisNexis continues to report the eviction record without any final disposition details, breaching Metro 2 Section 6.5.5 and FCRA 611.

Failure to Provide Verification Documentation LexisNexis has refused to supply documentation supporting the eviction record, violating Metro 2 and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Failure to Complete Timely Reinvestigation LexisNexis failed to complete reinvestigation within the 30 calendar day timeframe required by FCRA 611 from my initial dispute date ( XX/XX/year> ). 

Failure to Maintain Maximum Possible Accuracy Continued reporting of unverifiable eviction data and inaccurate personal information violates FCRA 607 ( b ) and Metro 2 requirements.

Timeline and Attempts to Resolve I disputed the eviction record on XX/XX/year>, requesting reinvestigation and supporting documentation.

LexisNexis initially sent a verification letter to my correct address at XXXX XXXX XXXX, confirming the eviction. 

Now, they report my address incorrectly as XXXX XXXX XXXX XXXX, a place unknown to me, and continue to send correspondence there.

LexisNexis also lists my phone number as ( XXXX ) XXXX, which is not mine.

Despite providing proper ID and proof of address multiple times, LexisNexis refuses to update or correct my file.

This contradictory reporting is suspicious and appears to be a deliberate attempt to stall and avoid accountability.

Demands for Immediate Compliance You are hereby ordered to : Immediately delete all unverifiable eviction records and remove all inaccurate personal identifying information, including correcting my address to the verified XXXX XXXX XXXX XXXX XXXX and removing the false XXXX XXXX XXXX XXXXXXXX address and incorrect phone number from my file.

Provide full documentation verifying any public records you continue to report, including : Identity and contact information of the original furnisher, Complete case details and final disposition, Verification methods and supporting evidence used in reinvestigation.

Complete a reinvestigation fully compliant with FCRA 611 and Metro 2 standards, and provide written results no later than 30 calendar days from receipt of my dispute, XX/XX/year>. No unauthorized extensions.

Legal Consequences of Non-Compliance Failure to comply will result in : Complaints to the CFPB, FTC, and State Attorney General, Legal action for willful violations of the FCRA, Public disclosure of LexisNexiss non-compliance and deceptive practices.

Enclosures Copy of government-issued ID Proof of current and correct address ( utility bill dated within 60 days ) LexisNexis must immediately cease contradictory and inaccurate reporting, protect my personal data, and comply fully with all federal laws and Metro 2 standards.

I expect your immediate, verifiable compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation