Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I am writing to dispute several unauthorized or inaccurate entries that appear on my LexisNexis consumer report, including both hard inquiries and previous addresses that I do not recognize or verify as mine.

1. Disputed Inquiries The following inquiries were not initiated by me and should be investigated for removal under the Fair Credit Reporting Act ( FCRA ). Some appear to be duplicates, while others may be the result of fraudulent activity or erroneous reporting : * XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX entries ) * XXXX XXXX  for the XXXX XXXX, XXXX, PA XXXX ( XXXX entries ) * XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX entries ) * XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX entries ), XXXX * XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX * XXXX XXXX  XXXX XXXX, XXXX, VA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX, XXXX, XXXX * XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PA XXXX, XXXX * XXXX XXXX  XXXX XXXX XXXX XXXX MN and XXXX XXXX NC XXXX, XXXX ( XXXX entries ), XXXX * XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX, XXXX, XXXX * XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX * XXXX XXXX  XXXX XXXX XXXX NC XXXX * XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX * XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX * XXXX XXXX / XXXX XXXX  / XXXX, XXXX  XXXX SD XXXX * XXXX  / XXXX  XXXX XXXX XXXX XXXX DE XXXX These inquiries do not reflect actions I knowingly took, and I request that LexisNexis investigate their origin and remove any that can not be verified with my explicit consent. 




2. Disputed/Unverified Addresses The following addresses are also listed in my report and are either completely unknown to me or are places I have never lived or used in any capacity. Please remove them from my consumer file unless verified by proper documentation : * XXXX XXXX XXXX XXXX, CT XXXX * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX * XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX * XXXX XXXX XXXX. XXXX XXXX XXXX, RI XXXX * XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX If LexisNexis can not provide documentation tying these addresses to me with my knowledge or approval, they should be removed immediately.

3.Personal Information Also, after careful review of my report I noticed this personal information that is not valid as well. My name is XXXX XXXX XXXX XXXX. With no other variations of my name. My email address is XXXX and telephone number is XXXX. I would like this information updated as soon as possible. 

4. I am writing to formally dispute the continued reporting of my personal information by LexisNexis to XXXX  and other third parties despite an active security freeze that I placed on my LexisNexis Consumer File in 2021.

According to the Fair Credit Reporting Act ( FCRA ), once a security freeze is placed on a consumer report, LexisNexis is obligated to prevent the disclosure of information contained in the report to any third party without the consumers explicit consent. The ongoing reporting of my information is a violation of this requirement and a direct breach of my consumer rights. 

Please immediately investigate this matter, provide a written explanation for the continued sharing of my data, and cease any unauthorized disclosures to XXXX  or any other entities. I also request that you provide written confirmation that my file is indeed under a freeze and will remain so unless I provide written authorization to lift or modify it. 

Enclosed are copies of documentation verifying my identity and proof of my active security freeze. 

If this matter is not resolved within 4 days required under the FCRA, I am prepared to escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant regulatory agencies. 

Thank you for your prompt attention to this serious matter. I expect a written response within 30 days of receipt of this letter.

Enclosures : * Copy of my LexisNexis consumer report ( with disputed entries highlighted ) * Government-issued photo ID * Utility bill ( or other proof of address ) Please complete your investigation and provide a written response confirming which items have been deleted or corrected. I expect LexisNexis to comply with all applicable consumer protection laws, including the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation