Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
This is a formal dispute of entries found in Section XXXX ( XXXX, Judgment, and Civil Filing Records ) and Section XXXX ( Automobile Insurance Claim Records ) of my LexisNexis consumer disclosure file. These entries violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and must be removed or corrected without the use of automated software systems. 
I hereby demand a manual reinvestigation by a trained compliance analyst. The use of an automated e-OSCAR system or other software to code this dispute as not mine or inaccurate using numeric tags is unacceptable and would constitute willful noncompliance with the FCRA. 

SECTION XXXX TAX XXXX / CIVIL FILINGS The state tax warrant and release associated with Certificate No. XXXX are disputed. These records : Are potentially outdated, unverifiable, or inaccurately reported, Do not clearly reflect satisfaction or final status, Appear duplicated in the file, Were previously marked as under dispute on XX/XX/year>, yet LexisNexis has failed to follow up as required by 15 U.S.C. 1681i ( a ) ( 6 ).

These records must be deleted unless LexisNexis can : 1. Confirm their current enforceable legal status through a direct verification with the XXXX  XXXX XXXX XXXX, and 2. Prove their inclusion meets the maximum possible accuracy standard required by FCRA 1681e ( b ). 

SECTION XXXX AUTOMOBILE INSURANCE CLAIM RECORDS Section XXXX lists numerous XXXX claims that : Include unclear party relationships ( e.g., Unknown Unknown or Other Relation to Policyholder ), Show {$0.00} claims, missing VINs, and incomplete policyholder data, Appear to reflect other individuals ( e.g., XXXX XXXX XXXX and do not clearly relate to me. 
These entries do not meet the reporting standards of : FCRA 1681c ( a ) : timely and relevant information, FCRA 1681e ( b ) : maximum possible accuracy, FCRA 1681b ( a ) : permissible purpose.

Unless LexisNexis can provide documented proof that : These claims pertain specifically and exclusively to XXXX XXXX, and There was a certified permissible purpose for their inclusion, then these records must be permanently deleted. 

XXXX DEADLINE & LEGAL WARNING As required by 15 U.S.C. 1681i ( a ), LexisNexis must : Complete a manual reinvestigation within 30 days, Delete or correct any item that can not be verified with documentation, Provide the method of verification and the name and contact info of any furnisher consulted.

If this dispute is processed through automation rather than by human review, I will consider this a violation of FCRA 1681i ( a ) and will escalate the matter through : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), and My State Attorney General.

This dispute may also be submitted as evidence of willful noncompliance under FCRA 1681n, exposing LexisNexis to statutory and punitive damages. 
Please send written confirmation to the address above, including a summary of reinvestigation results and any items deleted.

Company response to consumer: Closed with explanation