Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute and Request for Removal of Incorrect Information Dear LexisNexis Consumer Center XXXX Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency, 15 U.S.C. 1681a ( o ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXXXXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that 'assure ' means to make sure or certain ; put beyond all doubt, '' 'maximum ' means the greatest in quantity or highest degree attainable ; and 'possible ' means something falling within the bounds of what may be done, occur, or be conceived. '' ( quoting XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) : Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; Should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; Provide consumer file pursuant to 15 U.S.C. 1681g. 

Accordingly, I request your company to provide veritable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file. 

I am writing to formally dispute the accuracy of the information in my LexisNexis report. I request the removal of all incorrect addresses, names, negative accounts, and inquiries that are not associated with my current address or name. The only correct information should be : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX The following information is incorrect and should be removed from my LexisNexis report : Names : XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX Source : XXXX XXXX XXXX ( formerly XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly XXXX XXXX ( XXXX ) ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX Source XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Source : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source : XXXX XXXX formerly XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Source XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Source : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Source : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Source : LexisNexis XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Source : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX Address XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX United States Postal Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Source : United States Postal Service, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Source : United States Postal Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Source XXXX XXXX XXXX formerly XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Source : United States Postal Service, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Source : United States Postal Service XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source : United States Postal Service, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX Email Address : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX Inquiries : XXXX XXXX Source XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : XXXX XXXX Solutions ( formerly XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Inquiry XXXX : The following inquiries are not reported to any third party or used in credit scoring. The purpose of each inquiry is noted below under Inquiry Permissible Purpose. 

Date of Inquiry ( Year/Mo/Day ) XXXX Inquiry Permissible Purpose Inquiring Company and Contact Details XXXX Demand Deposit JUSTICE FEDFraudulent Reporting by XXXX XXXX Under 15 U.S. Code 1681s2 ( furnisher responsibilities ) and the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ) XXXX XXXX XXXX 's actions XXXX XXXX. This misinformation must be corrected within 4 days to prevent further damage. 

Negative Accounts for Deletion : XXXX XXXX : Account XXXX. XXXX, Status : XXXX XXXX XXXX : Account XXXX. XXXX, Status : XXXX XXXX XXXX : Account XXXX. XXXX, Status : Late XXXX XXXX XXXX XXXX : Account No. XXXX, Status : XXXX XXXX

Company response to consumer: Closed with non-monetary relief