Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
Subject : URGENT IDENTITY THEFT DELETION DEMAND UNDER FCRA 1681c-2, 1681b, 1681e ( b ), 1681i, and 1681s-2 ( b ) To Whom It May Concern, I am writing as a victim of identity theft and am demanding the immediate and permanent deletion of all fraudulent accounts, inquiries, and addresses listed below that appear on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is my FTC Identity Theft Report ( Report XXXX XXXX XXXXXXXX ) as required under 15 U.S.C. 1681c-2. 

Fraudulent Accounts to Be Permanently Deleted : XXXX XXXX XXXX | Account XXXX XXXX XXXX | Balance : {$1000.00} XXXX XXXX XXXX  | Account XXXX  : XXXX | Balance : {$470.00} XXXX XXXX XXXX  | Account XXXX XXXX XXXXXXXX | Balance : {$310.00} XXXXXXXX XXXX XXXX  | Account XXXX XXXX XXXX | Balance : {$830.00} XXXX XXXX  ( Auto Loan ) | Account XXXX  : XXXX | Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts/inquiries must be deleted due to fraud Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items were not authorized by me, were the result of criminal identity theft activity, and are causing ongoing harm and damages.

Applicable Federal Laws Supporting Deletion : 15 U.S.C. 1681c-2 ( a ) : Identity Theft Block Requirement As a victim of identity theft, I have provided you with a valid FTC Identity Theft Report. You are legally required to block and delete all information resulting from identity theft within 4 business days.

15 U.S.C. 1681b ( c ) : Lack of Permissible Purpose You do not have a permissible purpose to maintain or furnish any of my personal data or the listed fraudulent accounts. This includes any inquiries or tradelines I did not authorize.

15 U.S.C. 1681e ( b ) : Maximum Possible Accuracy Reporting fraudulent information or data not belonging to me is a clear violation of your duty to ensure the maximum possible accuracy of the information you furnish or maintain.

15 U.S.C. 1681i ( a ) : Reinvestigation Duties You are required to conduct a reasonable reinvestigation when a consumer disputes any item. Simply parroting information from the furnisher without full verification, chain of custody, or signed contracts does not satisfy your legal obligations.

15 U.S.C. 1681s-2 ( b ) : Furnishers Responsibility to Delete Inaccurate Data Every listed furnisher must be notified of this dispute and must delete or correct any item that can not be verified with supporting documentary evidence and legal authority.

DEMAND FOR ACTION : 1. Delete all fraudulent accounts, inquiries, and addresses listed above.

2. Remove any reference to these items from all versions of my credit file, inclu
ding those sold to third-party agencies.

3. Cease and desist from reporting or re-reporting these items under any variation or reseller system.

4. Provide a written confirmation of deletion within 10 days of receipt of this letter.

5. Remove any file or profile you may have on me under 15 U.S.C. 1681b I do not grant you authorization to maintain or report my personal data. 



Failure to comply will result in immediate legal action and complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, State Attorney General, and federal court under : 15 U.S.C. 1681n Willful Noncompliance 15 U.S.C. 1681o Negligent Noncompliance Statutory damages up to {$1000.00} per violation Actual damages for ongoing harm and emotional distress Attorneys fees and punitive damages as allowed by law This is your final opportunity to cure these violations before legal enforcement begins. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation