Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX XXXX LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX RE : Consumer Number XXXX - COMPREHENSIVE FCRA DISPUTE - SYSTEMATIC DATA INACCURACIES AND PROCEDURAL VIOLATIONS Dear LexisNexis, I am disputing systematic inaccuracies in my consumer file that have resulted in false debt collection notices from multiple Louisiana government agencies, along with numerous FCRA procedural violations in your dispute handling process.

BACKGROUND : Following my recent disputes, I have received numerous false debt collection notices for matters that were previously resolved, including : - Louisiana Department of Public Safety & Corrections probation fees ( {$740.00} ) for cases terminated XX/XX/XXXX - Multiple traffic tickets that were previously paid - Other municipal/court matters that were resolved COMPREHENSIVE DISPUTES : 1. ALL outstanding debt reporting related to Louisiana state agencies 2. ALL traffic ticket debt that I previously paid 3. ALL probation/court fees for cases that were properly terminated 4. ALL collection activity reporting for resolved matters 5. ALL inquiry records in my file as inaccurate and unauthorized 6. ALL hard credit inquiries older than 2 years per FCRA 605 ( a ) ( 3 ) ( F ) SYSTEMATIC FCRA VIOLATIONS IDENTIFIED : 1. EXCESSIVE VOLUME OF DISPUTES WITHOUT CLEAR RESULTS Your records show approximately 15+ disputes from XXXX XXXX alone No clear indication of investigation outcomes for any dispute FCRA 611 ( a ) ( 1 ) requires specific results for each reinvestigation 2. MISSING RECORD TYPE INFORMATION Multiple entries show " Record Type : '' with no description ( XX/XX/XXXX entry ) Incomplete information violates FCRA requirements for clear dispute documentation 3. INADEQUATE SOURCE CONTACT INFORMATION Lists various government agencies and courts contacted but doesn't specify : - Which disputes each source responded to - What information each source verified/disputed - Outcomes from each source contact 4. PATTERN OF INQUIRY RECORDS VIOLATIONS Heavy concentration of " Inquiry Records '' disputes suggests potential FCRA 605 ( a ) ( 3 ) ( F ) violations Hard inquiries older than 2 years should be automatically removed 5. GOVERNMENT AGENCY DISPUTE VIOLATIONS Disputes with Louisiana Secretary of State, Department of Driver Services, and 10th District Court These suggest potential public record inaccuracies that require specific FCRA 613 procedures 6. TIMELINE CONCERNS AND 30-DAY VIOLATIONS Multiple disputes in XXXX XXXX timeframe No indication investigations were completed within required 30-day period Some disputes appear to involve the same record types repeatedly ADDITIONAL FCRA VIOLATIONS : Your consumer reporting file contains systematic inaccuracies that are causing : - False debt collection attempts- Reporting of paid debts as unpaid - Triggering collection activity on resolved matters - Failure to maintain reasonable procedures per FCRA 607 ( b ) - Failure to provide required consumer rights summary per FCRA 611 ( a ) ( 3 ) - Misleading dispute date representations EVIDENCE OF INACCURACIES : - Case termination letters showing proper completion - Voting rights restoration confirming satisfaction of obligations - Payment records for traffic violations- Multiple false collection notices triggered by your reporting DEMAND FOR COMPREHENSIVE INVESTIGATION : Under FCRA 611, you must conduct thorough reinvestigation of ALL disputed items and : 1. Verify actual current status of all reported debts 2. Remove all inaccurate paid/resolved debt information 3. Remove all unauthorized inquiry records 4. Remove all inquiries older than 2 years 5. Cease reporting information that triggers false collections 6. Provide detailed, specific results of your investigation for each disputed item 7. Provide required consumer rights summary 8. Notify all parties who received inaccurate reports 9. Provide written confirmation and copy of my current consumer disclosure report per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 10. Comply with FCRA 605 ( a ) procedures before removing any information from my file This pattern of systematic inaccuracies and procedural violations violates multiple FCRA provisions and has caused significant harm through false debt collection activities.

Your failure to comply with basic FCRA dispute procedures, combined with reporting inaccurate information, subjects you to statutory damages under 15 U.S.C. 1681n and 1681o.

I expect complete resolution and FCRA-compliant responses within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation