Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
LexisNexis Risk Solutions has violated federal and state laws, consumer protection regulations, and industry standards by mishandling my credit profile information, engaging in unauthorized third-party data sharing, and failing to ensure accuracy and compliance in its practices. These actions have caused harm to my creditworthiness, privacy rights, and financial reputation. I demand an immediate investigation into XXXX practices and corrective actions to address these violations. 

Chronological Summary of Events and Violations : XXXX. Initial Complaint Filed with CFPB Date : XX/XX/XXXX Case Number : CFPB # XXXX Details : I filed a complaint against LexisNexis for unauthorized disclosures of my credit profile information, failure to honor my security freeze and opt-out request, and violations of the Fair Credit Reporting Act ( FCRA ). 
2. Feedback Provided on Complaint Date : XX/XX/XXXX Details : LexisNexis responded, confirming the processing of my security freeze and opt-out request but failed to address critical issues, including : Assurance that no data would be disclosed without explicit consent. 
Notification of any disclosures made after the freeze/opt-out. 
Details of retained information and reasons for retention. 
XXXX. Formal Dispute Letter Sent to LexisNexis Date : XX/XX/XXXX Details : I sent a formal dispute letter demanding immediate action and clarity on the handling of my credit profile. Key demands included : Written assurance of information security. 
Immediate notification of any data disclosure.

Detailed list of retained information. 
Confirmation of opt-out compliance for all services. 
XXXX. Second Complaint Filed with CFPB Date : XX/XX/XXXX Case Number : CFPB # XXXX Details : I filed an additional complaint citing LexisNexiss failure to comply with federal and state laws, including : FCRA Violations : Failure to ensure maximum possible accuracy ( 1681e ).

Failure to conduct reasonable reinvestigations ( 1681i ).

Reporting outdated negative information ( 1681c ).

FDCPA Violations : False or misleading representations ( 1692e ).

Unfair practices ( 1692f ). 
Texas Finance Code Violations : Misrepresentation of consumer debt ( 392.304 ). 
Prohibited practices ( 392.301 ). 
XXXX. Filing of FTC Complaint Date : XX/XX/XXXX FTC Report Number : # XXXX Details : I filed a complaint with the FTC regarding LexisNexiss mishandling of my credit profile and violations of FCRA, FDCPA, and XXXX XXXX XXXX. 
XXXX. Analysis of XXXX Response Date : XX/XX/XXXX Document : XXXX XXXX XXXXpdf Details XXXX LexisNexis responded to CFPB, stating : They did not locate the disputed inquiry records. 
They forwarded disputes to XXXX XXXX XXXX XXXX. 
They rely on furnishers data and do not independently verify accuracy. 
Issues Identified : Failure to comply with FCRA 1681e ( b ) ( reasonable procedures to ensure accuracy ).

Failure to conduct a reasonable reinvestigation under FCRA 1681i.

Continued reporting of outdated negative information in violation of FCRA 1681c. 
XXXX. Request for Discovery Date : XX/XX/XXXX Details : I formally requested all communications between LexisNexis and Equifax, Experian, TransUnion, and XXXX from XX/XX/XXXX, through XX/XX/XXXX, related to my credit profile. 
Key Issues and Violations Identified : 1. Unauthorized Access to Personal Information What Happened : LexisNexis shared personal information with third parties without verifying the legitimacy of those entities or ensuring compliance with permissible purposes under FCRA 1681b.

Why Its a Violation : FCRA 1681b : Consumer data may only be shared with entities that have a legitimate need for it, such as for credit decisions, insurance underwriting, or employment purposes. Unauthorized sharing violates this provision.

Consumer Impact : Unauthorized access to personal information exposes consumers to privacy violations, identity theft risks, and adverse credit decisions. 

Evidence : Consumer complaints and XXXX failure to provide transparency regarding its third-party sharing practices indicate violations of FCRA 1681b.

2. Sharing of Inaccurate or Outdated Data What Happened : LexisNexis disclosed inaccurate or outdated data to third parties, resulting in adverse effects on my credit profile and potential harm to my financial reputation.

Why Its a Violation : FCRA 1681e ( b ) : Mandates that credit reporting agencies ensure maximum possible accuracy of consumer data before sharing it.

Texas Business & Commerce Code 521.101 : Prohibits the disclosure of inaccurate or outdated personal information, requiring entities to safeguard consumer data. 
Consumer Impact : Improper sharing of inaccurate data can lead to incorrect credit decisions, unauthorized credit inquiries, and harm to consumers financial standing.

Evidence : Consumer complaints and LexisNexiss failure to validate data accuracy before sharing it demonstrate violations of FCRA 1681e ( b ) and Texas Business & Commerce Code 521.101. 

XXXX. Mishandling of Sensitive Information What Happened : LexisNexis failed to properly verify sensitive information before sharing it with third parties, leading to adverse effects such as unauthorized credit inquiries and incorrect credit decisions. 

Why Its a Violation : FCRA 1681b : Requires verification of permissible purposes before sharing consumer data.

Texas Business & Commerce Code 521.051 : Mandates proper handling and safeguarding of sensitive consumer information to prevent unauthorized disclosure.

Consumer Impact : Mishandling sensitive information exposes consumers to privacy violations, financial harm, and risks of identity theft. 

Evidence : Consumer complaints highlight instances where LexisNexis shared sensitive information improperly, resulting in harm to consumers. 

Analysis : Applicability of Permissible Purpose Violations to My Case XXXX. Reporting Outdated Information Example : LexisNexis has been sued for reporting outdated information, such as satisfied tax liens or vacated judgments, which negatively impact a consumer 's ability to obtain credit. 

Applicability to My Case : LexisNexis has failed to ensure maximum possible accuracy ( 1681e ( b ) ) and has continued reporting outdated negative information ( 1681c ). This includes inaccurate or outdated data that has adversely affected my credit profile and financial reputation.

2. Mixing Files Example : LexisNexis was found negligent for including the criminal records of an individual with a similar name in a job applicants background check report, resulting in the withdrawal of the job offer. 

Applicability to My Case : While my case does not specifically involve employment background checks, LexisNexiss reliance on unverifiable third-party data and failure to validate the accuracy of information has led to inaccuracies in my credit profile, similar to mixing files. 

XXXX. Providing Information Without a Valid Reason Example : LexisNexis has faced lawsuits for allegedly selling personal information to third parties, including federal immigration authorities, without proper consent. 

Applicability to My Case : LexisNexiss unauthorized sharing of my personal information with third parties violates FCRA 1681b ( permissible purposes ). LexisNexis failed to verify the legitimacy of third-party entities or ensure compliance before disclosing my data. 

XXXX. Failure to Provide Proper Disclosures Example : The FCRA mandates specific disclosure requirements for employment background checks, including providing a clear disclosure and obtaining the consumers written authorization. 

Applicability to My Case : LexisNexis failed to notify me or obtain consent before sharing my data with third parties. This demonstrates a broader failure to comply with FCRA disclosure requirements. 

Demands for Immediate Action : Explanation of Third-Party Data Sharing Practices : Provide a detailed explanation of LexisNexiss procedures for sharing consumer data with third parties.

Clarify how LexisNexis ensures compliance with FCRA 1681b and Texas Business & Commerce Code 521.101.

Investigation into Unauthorized Sharing : Conduct a thorough investigation into instances of unauthorized or improper sharing of my personal information.

Corrective Actions : Immediately cease sharing my personal information with unauthorized third parties.

Remove inaccurate or outdated information from my credit profile.

Transparency and Assurance : Provide written assurance that LexisNexis will comply with FCRA, Texas Business & Commerce Code, and consumer privacy laws moving forward.

Share details of the safeguards in place to prevent future violations.

Conclusion : LexisNexis has violated federal laws ( FCRA 1681b, 1681e ( b ) ), state laws ( Texas Business & Commerce Code 521.101, 521.051 ), and consumer privacy regulations by engaging in unauthorized and improper sharing of personal data with third parties. I demand immediate corrective action, regulatory enforcement, and full compliance with applicable laws to protect my rights as a consumer.

Company response to consumer: Closed with explanation