Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against LexisNexis for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). LexisNexis has failed to provide me with a complete and accurate copy of my consumer file disclosure upon multiple valid requests. As a victim of human trafficking, I am also seeking to block adverse information in my consumer report under the rights afforded to me by federal law. LexisNexis has an obligation to comply with these laws, and their continued refusal to do so has caused me significant harm. 

Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Details of the Complaint : 1. Failure to Provide Consumer File Disclosure : I have made multiple requests to LexisNexis for a copy of my consumer file disclosure, as guaranteed under the FCRA. Despite these valid requests, LexisNexis has refused to provide this information.

2. Inadequate Response to Prior Complaint : Following a previous CFPB complaint, LexisNexis responded by sending me a report. However, this report was incomplete and incorrect, as it did not include my Social Security number and was simply a duplicate of blank report. This failure to provide my full consumer file disclosure has prevented me from verifying and addressing critical information in my file. 
XXXX. Violation of Rights as a Victim of Human Trafficking : As a victim of human trafficking, I am entitled to have adverse information in my consumer report blocked under the FCRA ( 15 U.S.C. 1681c-2 ). This law imposes a duty on LexisNexis to block adverse items of information once notified and provided with supporting documentation. Despite this, LexisNexis has failed to meet its obligations under the law, further compounding the harm caused to me.

4. Continued Noncompliance : Despite my repeated requests and prior complaint, LexisNexis has continued to ignore its legal duty to provide me with my consumer file disclosure and to block adverse information as required by law. This ongoing noncompliance violates my rights under the FCRA. 

Damages Incurred : LexisNexiss actions and inactions have caused me significant harm, including : Denial of my right to access my consumer file disclosure. 
Inability to block harmful and adverse information in my report. 
Emotional distress and anxiety as a result of their failure to comply with the law. 
Potential financial harm due to their negligence in allowing inaccurate or harmful information to remain in my file.

Resolution Sought : I am requesting the following : 1. A complete and accurate copy of my consumer file disclosure, including all identifying information, such as my Social Security number. 
2. Immediate action to block any adverse information in my consumer report, as required under 15 U.S.C. 1681c-2, upon receipt of supporting documentation.

3. Monetary damages to compensate for the inconvenience, emotional distress, and financial harm caused by LexisNexiss repeated violations of the FCRA.

4. A formal acknowledgment from LexisNexis of their failures and assurance of steps to prevent such issues from recurring. 

Supporting Documentation : I have provided additional supporting documents, including proof of my victim status, correspondence with LexisNexis, and my ID and Social security card. 

LexisNexis has a clear duty under federal law to provide accurate disclosures and block harmful information for victims of human trafficking. I respectfully request the CFPB to take appropriate action to ensure LexisNexis fulfills its legal obligations. 

Thank you for your time and attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief