Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LexisNexis XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Subject : FINAL COMPREHENSIVE DISPUTE REMOVAL REQUEST FOR INACCURATE, UNAUTHORIZED, AND UNVERIFIED INFORMATION ( Consumer File # XXXX ) To Whom It May Concern, This is a formal continuation and expansion of my original dispute complaint tied to CFPB Case # XXXX, filed on XX/XX/year>. While I acknowledge receipt of your partial resolution letter dated XX/XX/year>, I must emphasize that your response failed to address significant unresolved issues, including erroneous insurance, municipal, driver code, court, and business records that I explicitly disputed and demanded be removed. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand immediate reinvestigation and deletion of the following : -- - 1. INACCURATE OR UNAUTHORIZED INSURANCE POLICIES & CLAIM DATA Your report continues to list insurance policy records and potential claims linked to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX ( NJM ) These are not policies I ever signed for, nor do they reflect verified, legitimate contracts bearing my wet-ink signature or digital approval. The continued presence of this data is a serious violation of 15 U.S.C. 1681e ( b ), which requires you to maintain " maximum possible accuracy. '' If these items can not be backed by original policy documentation or confirmed claim history directly involving me, they must be removed without further delay. 


-- - XXXX. UNVERIFIED COURT OR MUNICIPAL RECORDS Despite my previous request, you did not address inaccurate or unrelated legal entries tied to : Court of Common Pleas Civil, XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ I demand removal of all civil or municipal cases, fines, or court dockets unless they are supported by a certified court conviction or verified legal proceeding under my full legal name : XXXX XXXX XXXX. 

No conviction or valid municipal record is associated with my file for these courts, and you have failed to provide documentation verifying such data. 


-- - XXXX. DRIVER OR TRAFFIC CODE VIOLATIONS ( NO CONVICTION ) My consumer file contains several traffic or driving-related entries that are either misattributed, outdated, or lack legal basis. Specifically, I demand removal of any references to the following driver/violation codes : Code 6068 Code 1671 Code 8201 Code 3850 You are unable to confirm the legal origin or adjudication of these codes under my name. If these were incorrectly submitted by a municipality or DMV source, it is your responsibility under 15 U.S.C. 1681i ( a ) to ensure correction or deletion if unverifiable.

-- - 4. DISPUTED BUSINESS, MARKETING, AND DATA AGGREGATOR SOURCES The following data aggregators and marketing affiliates have provided information I never consented to, nor was it derived from any financial transaction or legal process involving me : XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This type of commercial marketing or demographic profiling is not only non-credit-related but also obtained without my explicit consent or authorization. It should not appear in any part of my LexisNexis consumer report. 


-- - XXXX. UNVERIFIED ALIASES, ADDRESSES, EMAILS, PHONE NUMBERS You failed to remove the following categories in your XX/XX/year> response, despite them being central to my original dispute : Authorized name : Only use XXXX XXXX XXXX. 
All alias variations like XXXX XXXX XXXX must be deleted. 

Authorized addresses ( retain only ) : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX All others including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and especially XXXX XXXX XXXX XXXX XXXX in multiple formats ) have already been addressed, but not every variation was removed. These must all be expunged. 

Phone Numbers : Only retain those ending in ( XXXX ) XXXX. 
Email Addresses : Remove all that are not explicitly connected to my verified identity. 


-- - XXXX. LIST OF FURNISHERS TO REMOVE ALL DATA FROM I dispute ALL RECORDS associated with the following furnishers and demand their complete removal : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX, XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX, CA XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  as misreporting email, phone, or address ) -- - LEGAL BASIS FOR REMOVAL As outlined in the FCRA, you must : Conduct a full reinvestigation under XXXX. 

Remove any unverifiable, outdated, or unauthorized data. 

Respond within 30 days with written confirmation of actions taken. 

Provide me a full updated copy of my LexisNexis consumer report. 

Identify the agent handling the dispute and your investigation methods. 


If any of the above data remains in my report without your ability to verify it through legally valid documentation ( original contracts, certified court documents, etc. ), you are legally required to delete it. 


-- - Thank you for your cooperation. I expect full compliance within the statutory period. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation