Consumer complaint received 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: OK

Complaint narrative:
To Whom It May Concern : This is a formal notice and dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act ( FACTA ). This letter must be reviewed by a compliance XXXX or XXXX department, not an automated system, due to the statutory implications described herein. I am disputing XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX all inaccurate XXXX unverifiable, and unauthorized accounts, inquiries, and public records contained within my Innovis and LexisNexis consumer files. Your agencies are reporting, storing, and selling information that can not be verified or lawfully maintained, in violation of federal law. 1. Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) You are required to ensure that all information reported is accurate and complete. Any unverifiable or outdated account violates this provision. Continuing to report such data constitutes negligent and willful noncompliance, exposing you to liability under 1681n and 1681o.CasXXXX Law Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must conduct more than a superficial reinvestigation. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX reliance on furnishers is not a reasonable procedure. XXXX. Failure to Conduct a Meaningful Reinvestigation ( 15 U.S.C. 1681i ) Upon receipt of a dispute, you must reinvestigate within 30 days and delete or correct all unverifiable information. Reliance on automated systems or parroted verification from furnishers is legally insufficient and constitutes a willful violation. XXXX. Violation of Consumer Rights to Block Fraudulent or Inaccurate Information ( 15 U.S.C. 1681c-2 & 605B, FACTA ) If any of the disputed items result from identity theft or unauthorized use, you are required to block such information within XXXX ( XXXX ) business days of receiving : Government-issued identification ; Proof of address ; An Identity Theft Report under 603 ( q ). Your failure or delay to block and delete these items constitutes a direct violation of FACTA XXXX. XXXX. XXXX XXXX and XXXX of XXXX XXXX ( 15 U.S.C. 1681b ) You may only furnish or disclose consumer information for a permissible purpose. If you are distributing or selling my consumer data to third parties without my explicit consent, this is unauthorized use and a violation of federal privacy law. Each instance of such dissemination may constitute an independent statutory violation, subject to damages under 1681n. XXXX. Violation of My Right to Privacy and Due Process ( FCRA 602 ( a ) ) Your continued publication of unverifiable or inaccurate data violates the purpose of the FCRA to ensure fairness, impartiality, and respect for consumer privacy.Your conduct has caused measurable harm to my reputation, privacy, and creditworthiness. Demand for Immediate Corrective Action You are hereby demanded to : 1. Conduct a full reinvestigation of all accounts, inquiries, public records, and personal information associated with my file ; 2. Delete and permanently block any data that can not be verified through original source documentation ; 3. Cease all dissemination or sale of my data to third parties lacking permissible purpose ; 4. Provide written confirmation of deletion and compliance within 15 calendar days ; 5. Mail a current copy of my corrected consumer report to the address above. Notice of Intent to Escalate Noncompliance If you fail to comply within 15 days of receipt, I will file : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General ; A civil action seeking : o Actual and statutory damages under 15 U.S.C. 1681n and 1681o ; o Punitive damages for willful misconduct ; o XXXX fees and court costs. This correspondence serves as legal notice and preservation of evidence. Retain all communications and internal notes related to my file, as they may be subpoenaed in pending or future legal actions. This is not a casual dispute. It is a final demand for compliance under federal law. Escalate immediately to your legal and compliance departments.

Company response to consumer: Closed with explanation