Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
Below is a draft of your letter to the FTC ( Federal Trade Commission ), CFPB ( Consumer Financial Protection Bureau ), and LexisNexis. Please review and customize it as needed to ensure it accurately reflects your situation and demands. It is recommended to consult with a legal professional before sending this letter to ensure compliance with applicable laws and regulations. 


** [ XXXX XXXX ] ** [ XXXXXXXX XXXX XXXX ] [ XXXX, NV, XXXX ] [ XX/XX/XXXX ] **Federal Trade Commission*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX **Consumer Financial Protection Bureau** [ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX DC XXXX XXXX **LexisNexis** [ LexisNexis Address ] [ XXXX, Georgia, XXXX ] **Subject : ** Formal Complaint and Demand for Compensation for Violations of 15 U.S.C. 1681 et g due to a consumer complaint.

To Whom It May Concern : On behalf of XXXX XXXX a federally protected consumer, this writing is to formally notify you of numerous violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq, by LexisNexis. This letter serves as a formal complaint and demand for compensation for damages resulting from these violations.

According to the consumer records and correspondence directly from LexisNexis, the consumer have agreed and also confirmed that LexisNexis has violated 15 U.S.C. 1681 et seq on **100+ confirmed instances**.

These 100+ violations include, but are not limited to : 1. Failure to provide accurate and complete disclosures of the consumer consumer file as required by law.

2. Failure to ensure the accuracy of the information contained in the consumer consumer file.

3. Failure to promptly correct inaccuracies upon the consumer dispute. 

These violations have caused XXXX XXXX significant harm, including but not limited to : - Emotional distress -Damage to Credit worthiness - Financial losses - Damage to the consumer creditworthiness and reputation -Extensive Time unverified information spent on account and reported to other affiliates and resources expended to rectify these issues ( classes, consultations, the consumer demand the following : 1. **Immediate Action : ** LexisNexis must provide me with a new complete, accurate, and up-to-date copy of the consumer consumer file within 15 days of receiving this letter.

2. **Compensation : ** The consumer demands compensation for damages per the law violated, the harm to credit worthiness that incurred as a result of these violations that LexisNexis has confirmed. Based on the severity, frequency and amount of the violations, the consumer is seeking just compensation in the low but fair amount of ** [ {$300.00} per each confirmed unverified item reported, and removed- within applicable law. ] **. The consumer has been given a list of over 100+ instances per an investigation initiated by the consumer. If this amount is contended, The consumer will seek further compensation if more litigation is needed. Please confirm. The consumer has included such in the following correspondence.

Per applicable law, more is entitled, however the items were removed after the consumer disputed them via CFPB complaint. The law states between {$100.00} & up to {$1000.00}.

3. **Proof of Removal : ** LexisNexis must provide written confirmation that all inaccuracies have been removed from the consumer consumer file and that all necessary corrective actions have been taken to prevent future violations.

This letter serves as a formal notice to the FTC and CFPB of LexisNexis 's non-compliance with federal consumer protection laws. The consumer requests that both agencies investigate this matter and take appropriate enforcement action to hold LexisNexis accountable for its violations.

Please consider this letter a formal dispute under the FCRA. the consumers expect a written response within 25 days of receipt of this letter. Failure to respond or address these issues may result in further legal action. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX, NV XXXX ] **Enclosures : ** 1. Copies of correspondence with LexisNexis.

2. Documentation of violations and damages. Damages shown as information were reported to the consumer report and removed after the consumer triggered such an investigation.

Notes : 1. **Proof of Violations : ** documented evidence of the 110+ violations, such as correspondence, credit reports, or dispute records. Dated XX/XX/XXXX. 
2. **Damages Calculation : ** Calculation is based upon each instance reported that violates the law, all items are not verified and confirmed by the reporting agency as a result of a Reinvestigation, and proof of claim is within evidence of fault, by removing, this is a full circle attempt to remedy the situation within statutory limits. The consumer is willing to negotiate.

Company response to consumer: Closed with explanation