Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
Dispute of Inaccurate Eviction Record with LexisNexis I am disputing an inaccurate eviction record listed on my LexisNexis consumer report, sourced from an unnamed third party. This erroneous entry has severely impacted my ability to secure housing. I have not received any supporting documentation or notice from LexisNexis or the third party to validate this record of an alleged eviction. 

Under 15 U.S. Code 1681i, consumer reporting agencies, including LexisNexis, are obligated to investigate disputed information within 30 days of receiving notice and provide a timely resolution. Furthermore, under 15 U.S. Code 1681e ( b ), they must adopt reasonable procedures to ensure the maximum accuracy of information included in consumer reports. Despite my attempts to dispute this entry directly with LexisNexis, the record remains unverified and continues to cause harm to my ability to secure housing.

Further, under 15 U.S. Code 1681a ( 2A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I request CFPB assistance in ensuring LexisNexis : 1. Conducts a thorough investigation of this dispute.

2. Removes the inaccurate eviction record from my consumer report.

3. Notifies all third parties who have accessed my report of this correction, as required under 15 U.S. Code 1681i ( d ).

Additionally, I seek guidance on how to protect my rights and recover from the damage caused by this inaccurate information.

Legal Standing Under 15 U.S. Code 1681 This case highlights significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes : 1. Accuracy and Verification of Information ( 1681e ( b ) ) : o Credit reporting agencies and entities reporting consumer data must maintain reasonable procedures to ensure maximum accuracy. Reporting unverifiable debts or eviction records directly violates this requirement.

2. Right to Dispute ( 1681i ) : o Consumers have the right to dispute inaccurate or incomplete information in their credit reports. Upon receiving a dispute, reporting agencies must investigate and resolve the matter within 30 days. Failing to address my disputes in a timely manner, as in these cases, violates this statute.

3. Prohibited Practices ( 1681s-2 ( a ) ) : o Furnishers of information ( e.g., XXXX XXXX XXXX and third-party sources reporting to LexisNexis ) are prohibited from providing inaccurate information to credit reporting agencies and must correct or delete unverifiable information.

4. Identity Theft Protections ( 1681c-2 ) : o Consumers who suspect identity theft have the right to request that fraudulent accounts be blocked from their reports. The inability of XXXX XXXX XXXX and LexisNexis to validate these entries further supports the need for such protections in my case.

Company response to consumer: Closed with non-monetary relief