Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
What is the problem? 

I am filing a new complaint against LexisNexis for providing demonstrably false and contradictory information regarding the status of my security freeze, which has directly caused my wrongful denials from multiple banks. 

In their official response to my previous CFPB complaint ( # XXXX ), dated XX/XX/XXXX, LexisNexis states XXXX " on XX/XX/XXXX, LexisNexis placed a security freeze on the consumers file. '' This statement is false and deceptive. 

I have confirmation from multiple phone calls with LexisNexis representatives throughout XXXX that my security freeze was already active and has been in place since XX/XX/XXXX. The bank denials from XXXX and XXXX XXXX occurred in late XX/XX/XXXX, before the date LexisNexis now claims they placed the freeze. 

This creates an impossible situation : If the freeze was only placed on XX/XX/XXXX, then LexisNexis is admitting my file was unprotected when the banks pulled my report and denied me. This means they furnished a report that contained fraudulent or inaccurate data, leading to an unfair denial. 

If the freeze was active since XX/XX/XXXX ( as I was repeatedly told ), then LexisNexis is now falsifying records by claiming it was just placed. This also means they may have illegally furnished a report from a frozen file. 

Either scenario is a severe violation of the FCRA 's requirement for accuracy and reasonable procedures. LexisNexis can not keep changing the fundamental facts of my consumer file to suit their narrative. This " moving target '' approach has made it impossible for me to clear my name or hold anyone accountable, as the central factthe freeze datekeeps changing. 

IN Second : What is the problem? 

I am filing my third complaint against LexisNexis for providing demonstrably false and contradictory information, creating an impossible situation that has directly caused my wrongful denials from multiple banks. 

LexisNexis is intentionally going back and forth with me to avoid resolving the core issue. I have filed two prior CFPB complaints on this matter, neither of which were resolved. 

In the first complaint, LexisNexis ignored my dispute and simply stated they sent me a consumer reportsomething I never requested. 

In the second complaint ( CFPB Case # XXXX ), I explicitly stated I was advised by their representatives that my file had a security freeze since XX/XX/XXXX. In their response dated XX/XX/XXXX, they deceptively stated they " placed a security freeze on the consumers file '' on that date, as if it was a new action I requested. I never requested a freeze ; I was seeking an explanation for the denials. 

This contradiction forced me to call LexisNexis again. The call transcript with XXXX XXXX ( ID : XXXX ) on XXXX, XXXX XXXX, reveals the truth they have been hiding : There has been no active security freeze since XX/XX/XXXX, when one was added and removed on the same day. 

There is, and has been, an Identity Theft Alert on my file since XX/XX/XXXX. 

The prior representative gave me completely false information by claiming I had a freeze since XX/XX/XXXX. 

The core issue is now clear : Banks are denying my applications because of this Identity Theft Alert. Instead of following the alert 's purposewhich is to trigger enhanced verificationtheir automated systems treat it as a reason for automatic denial. LexisNexis 's failure to maintain accurate internal records and provide consistent, truthful information to both me and the CFPB has prevented me from proving this and resolving the problem for months.

Company response to consumer: Closed with explanation