Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against XXXX and LexisNexis for persistent and repeated violations of federal law. Over XX/XX/XXXX days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. 

Violations Committed by THE BUREAUS : 15 U.S.C. XXXX ( FCRA XXXX ( b ) ) : Failure to maintain maximum possible accuracy. 

FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate consumer disputes within the statutory XXXXday timeframe. 

FCRA XXXX ( a ) ( XXXX ) : Failure to conduct reinvestigations and provide findings. 

15 U.S.C. XXXXg : Failure to notify the consumer of alleged debts within the required timeframe. 

Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) : Failure to adequately safeguard consumer personal information. 

XXXX XXXX. XXXX : Identity theft and unauthorized misuse of personal data. 

15 U.S.C. XXXX ( XXXX ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. 

Metro2XX/XX/CDIA Violations : Noncompliance with established industry reporting standards. 

Arizona Criminal Statutes : Violations relating to identity theft and consumer fraud. 

FDCPA 15 U.S.C. XXXX ( b ) : Failure to respond to validation requests withinXX/XX/XXXX days. 

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXXXX/XX/CAL Account Number : XXXXXX/XX/XXXX & XXXXXX/XX/XXXX Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXX/XX/XXXXXXXX ( b ), XXXX ( a ) Metro 2 formatting and accuracy violations Arizona Consumer Reporting Agencies Act ( XXXX ) :XX/XX/XXXX 
XXXX ( B ) ( prohibits furnishing information known or should be known to be inaccurate ) Arizona Consumer Fraud Act ( XX/XX/XXXX) :XX/XX/XXXXXXXX et seq., including XXXX ( A ) ( XXXX ) & ( XXXX ) ( prohibits deceptive or misleading acts, including false reporting ) XXXX FDCPA references replaced with Arizona applicability : apply FDCPA standards viaXX/XX/XXXXXXXX et seq. for debt collectors Consumer Legal Remedies Act ( CLRA ) equivalents in Arizona : use Arizona Consumer Fraud ActXX/XX/XXXXXXXX et seq., XXXX ( A ) ( XXXX ) & ( XXXX ) DEMAND : Immediate removal of all late payments under FCRA XXXX, ( Arizona Consumer Reporting Agencies Act ) , andXX/XX/XXXXXXXX et seq., including XXXX ( A ) ( XXXX ) & ( XXXX ) ( Arizona Consumer Fraud Act ) due to inaccurate reporting and multiple violations of law. This account must be corrected immediately, flagged under Dispute CXX/XX/XXXXe XXXX Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses. 
Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. 
Immediate deletion of all unauthorized hard inquiries. 
Correction of all inaccurate personal information, including addresses, employers, and names. 
Provision of updated credit reports from allXX/XX/XXXXbureaus confirming these corrections. 
Implementation of statutory identity theft protections, including fraud alerts. 
Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. 
Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. 
Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief