Consumer complaint received 2025-04-30 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: NV

Complaint narrative:
LexisNexis Risk Data Management , Inc. has willfully and negligently violated the Fair Credit Reporting Act ( FCRA ) by continuing to furnish fraudulent and identity-theft-related public record data to XXXX and third-party users. Despite receiving multiple valid, lawful identity theft affidavits, LexisNexis has failed to meet its statutory obligations under FCRA 605B and 611. 

According to my XXXX credit report, LexisNexis is the vendor providing public records data being disseminated across the credit industry. That data contains information fraudulently attributed to me and has directly damaged my credit standing, reputation, and opportunities. 



SPECIFIC VIOLATIONS OF FEDERAL LAW : FCRA 605B Failure to Block Identity Theft Entries LexisNexis has failed to block identity-theft-related data within 4 business days of receiving a valid identity theft report a legal obligation under federal law.

Per FCRA 603 ( q ), a valid identity theft report includes filings with the FTC, not just police reports. I submitted : FTC Identity Theft Report XXXX XXXX FTC Report # XXXX detailing check fraud from XXXX XXXX XXXX XXXX XXXX XXXX IC3 Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming financial fraud, unauthorized credit pulls, and synthetic identity use LexisNexis has ignored these documents and continues to furnish tainted data. 



FCRA 611 Failure to Conduct a Reasonable Reinvestigation LexisNexis has not provided a single piece of documentation, audit trail, or business record verifying the data they report. Despite submitting multiple disputes, I have received no explanation or confirmation of a reinvestigation as required by law. 

This is a direct violation of 611 ( a ), which requires CRAs to reasonably investigate disputed entries and delete unverifiable information within 30 days. 



FCRA 609 ( e ) Failure to Provide Business Records I submitted formal requests for all underlying business records, vendors, and data sources LexisNexis used to compile their reporting. No such documents were provided.

This violates FCRA 609 ( e ), which mandates a consumer reporting agency must furnish any application and business transaction records relating to the identity theft upon request.

FCRA 623 ( a ) ( 1 ) Furnishing False Information with Knowledge LexisNexis continues to provide XXXX ( and likely other data users ) with public record and identity-derived data that is inaccurate, fabricated through stolen identifiers, and already confirmed fraudulent by multiple federal entities. 

At this point, LexisNexis is no longer simply negligent they are willfully transmitting false data in violation of federal law. 



CONTEXT OF SYSTEMIC NEGLIGENCE : LexisNexis has previously been subject to CFPB enforcement and private class-action litigation for : Inaccurate public record reporting Failure to follow reasonable procedures to assure maximum accuracy Denial of lawful consumer access to files and correction rights The company is clearly aware of its legal obligations under FCRA and has failed to evolve its practices despite prior scrutiny. 

In my case, XXXX XXXX XXXX ( also a federally regulated CRA ) received the same documentation and complied fully, blocking the fraudulent accounts immediately. 

LexisNexis has chosen not to.

Company response to consumer: Closed with explanation