Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against LexisNexis for Reporting Inaccurate and Unverifiable XXXX  Record Dear CFPB Representative, I am filing a formal complaint against LexisNexis XXXX XXXX for their continued reporting of a XXXX  ( Case No. XXXX ) that is unverifiable, inaccurately associated with me, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
LexisNexis is reporting this XXXX  using unreliable and insufficient identity-matching methods, namely a P.O. Box address and only the last XXXX digits of a Social Security number, which are not legally adequate to tie a XXXX  record to a consumers identity. Furthermore, I provided clear documentation proving my current and accurate residential address, including : A copy of my government-issued ID A recent utility bill in my name Despite this, LexisNexis maintained the XXXX  in my file and issued the following response : LexisNexis verified that XXXX  record - case number XXXX is accurately associated with the consumer 's identity... The address originally filed on the full XXXX  docket - XXXX XXXX XXXX, XXXX XXXX XXXX, obtained from PACER, is an address that has been reported to LexisNexis with the consumer 's full social security number by the nationwide consumer reporting agencies... The address along with the last XXXX digits of the social security number listed on the full XXXX  docket also matches a historical address and last XXXX digits of the full social security number we have on file for the consumer. 
Legal and Procedural Issues : XXXX XXXX  XXXX Is Not a Verifiable Residential Address XXXX XXXX XXXXXXXX XXXXXXXX can not and should not be used as the primary basis to associate a public record to a consumer. It is not unique to any individual and does not satisfy the FCRAs requirement for maximum possible accuracy. 
XXXX. Partial SSN Matching Is Legally Insufficient : Matching only the last XXXX digits of an SSN to associate a bankruptcy with a consumer is grossly inadequate. The FCRA prohibits credit reporting agencies from attributing public records to consumers without full and accurate identity verification. 
XXXX. Failure to Consider Supplied Proof of Identity : I provided verified documentation establishing my true residence and identity. LexisNexis failed to reasonably consider this information in its reinvestigation process, a violation of FCRA 1681i and 1681e ( b ). 
XXXX. Violation of Investigative Duty under FCRA 1681i : LexisNexis reliance on outdated and incomplete XXXX-party data without full verification from the original source ( PACER ) further demonstrates a failure to conduct a reasonable reinvestigation. 
DEMAND FOR CFPB ACTION : I request that the CFPB take enforcement action to compel LexisNexis to : Delete the unverifiable and inaccurately attributed bankruptcy record ( Case No. XXXX ) from my consumer file, Cease and desist from reporting the record to any third parties, Review and revise their public record matching practices to ensure compliance with FCRA standards, and Provide a written statement confirming the record has been permanently removed. 
Require LexisNexis to provide a full breakdown of their verification process, including : The name, title, and contact info ( phone/email ) of anyone they claim to have spoken to during the investigation. 
The dates the investigation was conducted. 
The exact documents or sources used in their verification. 
Delete the bankruptcy immediately if LexisNexis can not verify it with original source ENCLOSURES : LexisNexis dispute response letter Copy of government-issued ID Recent utility bill ( proof of address ) Any prior dispute correspondence Thank you for your attention and action to ensure LexisNexis upholds its legal obligations under the FCRA and protects the accuracy and integrity of consumer information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation