Consumer complaint received 2025-10-30 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:
To Whom It May Concern, I am writing to formally lodge a complaint against LexisNexis Risk Solutions for the continued use, furnishing, or distribution of my personal data despite multiple opt-out requests made directly through your website. I have completed your official opt-out process on multiple occasions, following every required verification step. Yet, as of this month, I received notice that my credit score has dropped, indicating that my consumer data is still being accessed, transmitted, or furnished in violation of my explicit instructions. On multiple occasions I have opted out due there negligence. XX/XX/XXXX i requested and received confirmation, along with XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This is unacceptable and raises serious compliance concerns under the Fair Credit Reporting Act ( FCRA ) and applicable privacy and consumer protection laws. The repeated disregard of my opt-out rights reflects a systemic failure in your internal data management, security, and consumer privacy controls. 

To provide further context : I was a confirmed victim of the XXXX XXXX  data breach, which compromised sensitive financial and personal information. 

I was also affected by the recent XXXX XXXX XXXX XXXX breach, further exposing my personal identifiers and increasing my vulnerability to identity theft. 

Following those incidents, I took deliberate and proactive steps to remove my data from unnecessary public and private databases including LexisNexis. 

Despite these actions, LexisNexis has continued to furnish or retain my data, either directly or indirectly, which has led to a measurable adverse impact on my credit profile. This not only violates my opt-out status but also demonstrates a failure to safeguard consumer data in accordance with federal compliance obligations. 

I have formally submitted this matter to the Consumer Financial Protection Bureau ( CFPB ) for investigation and enforcement action. I am requesting that LexisNexis : Immediately conduct a full audit and removal of all data files, consumer reports, and any associated datasets tied to my name, address, SSN, or identifiers.

Provide written confirmation that my opt-out status is permanently honored and enforced across all data systems, subsidiaries, and third-party affiliates.I 've now not only can't harnet my own data but unauthorized my data to unknown parties Cease and desist from furnishing, reselling, or otherwise transmitting any portion of my data to creditors, insurers, or background check entities.

Provide a detailed written report confirming compliance within 10 business days of receipt of this letter. 

Failure to do so will result in further escalation to federal authorities and potential civil action for willful and negligent violation of the FCRA and other consumer protection statutes. 

I take this matter with the utmost seriousness and expect LexisNexis to respond with equal urgency and accountability. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation