Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
I am submitting this as a critical update to CFPB Complaint # XXXX regarding LexisNexis Risk Solutions failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2. On XXXX XXXX XXXX LexisNexis responded by stating that none of the fraudulent identity theft accounts I previously disputed were located in their consumer file. However, I submitted a complete and valid identity theft package, including my FTC Identity Theft Report ( # XXXX ), a government-issued photo ID, proof of address, and a written dispute identifying the specific fraudulent accounts. The disputed accounts are as follows : XXXX XXXX XXXX account ending in XXXX XXXX ; XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX  account ending in XXXX XXXXXXXX ; XXXX XXXX accounts ending in XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account ending in XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX  account ending in XXXX XXXXXXXX ; XXXX XXXX account ending in XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX accounts ending in XXXX XXXXXXXX and XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Business ) account ending in XXXX XXXX ; and XXXX XXXX XXXX  account ending in XXXX XXXXXXXX. If these accounts were previously included in my LexisNexis file, their absence now indicates that they were likely blocked or deleted yet LexisNexis refuses to provide written confirmation of this removal, violating 1681c-2 ( c ). They have also failed to comply with 1681g ( e ) by refusing to provide a list of all third parties to whom these records were furnished within the last 12 months. If the data was never in their file, then any verification by the credit bureaus based on LexisNexis is impossible, which further supports my demand for permanent deletion across all credit reporting systems. 

LexisNexiss vague response that they did not locate the disputed accounts appears to be an intentional attempt to avoid acknowledging that these accounts were previously retained, shared, or used in verification processes. As a consumer, I am entitled under the FCRA to clear notice of the procedures used to investigate and block identity theft-related data. LexisNexis is using evasive language to obscure whether these accounts were ever present in their system, and has refused to confirm their permanent removal. I respectfully request that the CFPB compel LexisNexis to ( 1 ) confirm in writing that all of the above accounts have been permanently blocked and removed from my LexisNexis file, ( 2 ) provide a full list of all third parties to whom these accounts were furnished in the past 12 months, and ( 3 ) confirm that no future reinsertion or redistribution of this data will occur unless all requirements under 1681c-2 ( d ) and 1681i ( a ) ( 5 ) are met. Should LexisNexis fail to comply, I intend to escalate this matter to the FTC, my state attorney general, and file a federal civil action under FCRA 1681n and 1681o for willful or negligent noncompliance. This complaint is submitted in good faith and supported by lawful identity theft documentation, consumer rights, and ongoing harm from inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation