Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for immediate deletion of all data contained in Section XXXX : Insurance Policy Records of my LexisNexis Consumer Disclosure Report, pursuant to my rights under federal and state law. This includes all automobile and property insurance policy information, regardless of status or source. 
Legal Basis for Demand Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), LexisNexis is legally obligated to " follow reasonable procedures to assure maximum possible accuracy '' of the information it includes in consumer reports. The insurance data presented in Section 6 is incomplete, lacks context, and creates a misleading and damaging impression of my insurance profile.

Further, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am asserting a direct dispute of the accuracy, completeness, and legal permissibility of this information. I demand a reinvestigation and deletion of all insurance policy records unless verifiable documentation ( not mere electronic data or algorithmic matches ) can be produced and provided to me in writing. 
Additionally, under 12 U.S.C. 5531 ( c ) and 5536 ( a ) ( 1 ) ( B ) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, it is considered unlawful for a covered person or service provider to engage in any unfair, deceptive, or abusive acts or practices ( UDAAP ). The retention of outdated or excessive insurance information for the purpose of resale or profilingespecially when not required for underwritingis such a practice. 
New York State Law Protections As a resident of New York, I also invoke my rights under the New York Fair Credit Reporting Act ( NYFCRA ), GBL 380 et seq., which provides me the right to dispute any inaccurate, outdated, or unverifiable information, and to receive a response within 30 days. Should LexisNexis fail to provide verifiable proof ( not generic descriptions or metadata ) that any information in Section XXXX is legally accurate and relevant, it must be permanently deleted. 
No Software-Based Investigations Let this letter serve as a formal notice that automated, software-based reinvestigations or algorithmic matching do not satisfy the " reasonable procedures '' standard outlined in the FCRA. You are hereby demanded to have a qualified human reviewer physically inspect all records in dispute and verify the source, legitimacy, and currency of the data through authenticated, original documentation. 
If LexisNexis continues to store or distribute the disputed insurance data following this formal notice without satisfying the legal requirements, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the New York State Attorney Generals Office, and to pursue civil litigation for violations under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with the FCRA. 
Remedy Demanded : 1. Complete removal of Section 6 Insurance Policy Records.

2. Written confirmation within 30 days that all disputed information has been permanently deleted.

3. If you deny removal, you must provide : o Original source documents ( not summaries ) proving the accuracy of each record o The identity of each third-party entity that furnished the data o The permissible purpose for which each record was collected I demand this matter be handled promptly and fairly. Please send your written response and any documentation to the address provided above. I expect a full resolution within the 30-day window provided under the law.

Company response to consumer: Closed with explanation