Consumer complaint received 2026-01-06 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: TX

Complaint narrative:
LexisNexis Risk Solutions continues to verify and publish inaccurate, fraudulent, and contaminated consumer data despite repeated disputes, documented notice of identity theft, and clear evidence that the information does not belong to me. LexisNexis repeatedly claims that disputed items are verified as accurate through reseller or reinvestigation processes that are neither independent nor lawful. 

LexisNexis continues to verify a public-record bankruptcy that relies on a fraudulent address I have never lived at and that has already been identified and disputed as inaccurate. Any bankruptcy, account, inquiry, or public record associated with that address is necessarily invalid and can not lawfully be attributed to me. Nonetheless, LexisNexis continues to publish and certify the accuracy of this bankruptcy and related data. 

LexisNexis also continues to verify consumer accounts that have been expressly acknowledged as fraudulent by the original creditor. For example, XXXX Bank has provided written confirmation that an account opened in my name was fraudulent. Despite this direct furnisher admission, LexisNexis and XXXX  continue to report and verify the account as accurate. LexisNexiss verification disregards primary source admissions and instead relies on secondary and contaminated data sources. 

Further, LexisNexis maintains multiple internal consumer numbers for me and associates numerous incorrect addresses and name variants with my file. These fragmented identifiers are then used to verify disputed information, enabling cross-file contamination and making any claimed verification inherently unreliable. A file built on multiple identities can not satisfy the Fair Credit Reporting Acts maximum-accuracy requirements. 

In addition to these failures, LexisNexis repeatedly initiates so-called reseller or XXXX  disputes with the nationwide consumer reporting agencies XXXX XXXX XXXX  and XXXX XXXX  without any dispute being submitted by me. These disputes are unilaterally opened by LexisNexis yet are treated by the nationwide bureaus as if they were consumer-initiated reinvestigations. Section XXXX reinvestigations are triggered by consumer disputes, not by data brokers attempting to validate their own records. LexisNexiss use of third-party disputes to manufacture verification is a sham process designed to bypass statutory safeguards. 

Compounding this misconduct, LexisNexis asserts that its information is accurate because it comes from the nationwide consumer reporting agencies, while the nationwide bureaus, including XXXX, assert that the same information originates from LexisNexis. This circular attribution confirms that neither party is relying on an independent, primary, or authenticated source. Instead, the same disputed data is being laundered back and forth between LexisNexis and the nationwide bureaus and then falsely labeled as verified. 

This closed-loop verification scheme does not constitute a reasonable reinvestigation under 15 U.S.C. 1681i and violates 1681e ( b ). Verification that relies on another consumer reporting agency that is itself relying on LexisNexis is legally meaningless. Once identity theft, fraudulent addresses, and compromised identifiers have been placed at issue, continued reliance on this circular process demonstrates actual notice and willful disregard of statutory duties. 

Despite repeated notice, LexisNexis continues to publish, resell, and certify the accuracy of this data, demonstrating systemic noncompliance with FCRA 1681c-2, 1681e ( b ), 1681i, and 1681g, including sham investigations, unlawful reinsertion, and failure to maintain reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation