Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally respond to XXXX  recent update regarding my complaint. XXXX has falsely claimed in their CFPB response that multiple disputed items are " not currently reporting '' on my credit file. However, upon reviewing my most recent credit report ( dated XX/XX/year> ), these same fraudulent and disputed accounts remain on my file. This discrepancy constitutes willful misrepresentation and deceptive practices under the Fair Credit Reporting Act ( FCRA ) 616 & 617, as XXXX knowingly provided false information to a regulatory agency. 
Key Violations by XXXX : XXXX. Failure to Block Fraudulent Accounts & Inquiries ( XXXX, XXXX XXXX. XXXX ) * XXXX has failed to permanently block accounts and inquiries that I identified as fraudulent, despite providing : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card , Utility Bill ) * Instead, they remove and then reinsert these items, which is a direct violation of the law. 
2. Deceptive Reporting to CFPB vs. Actual Credit Report ( 616, 617 ) * XXXX reported to the CFPB that the following items are not on my credit report, yet my latest credit report dated XX/XX/year> proves otherwise : * XXXX XXXX  ( Charge-off ) Still reporting * XXXX XXXX XXXX XXXX XXXX ) Still reporting * XXXX XXXX XXXX ( Reinserted Charge-off ) Still reporting * XXXX XXXX ( Unauthorized Inquiry ) Still reporting * XXXX XXXX XXXX ( Unauthorized Inquiry ) Still reporting * XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still reporting * XXXX  false claims about these items not being on my report reflect a pattern of deceptive conduct and an attempt to mislead regulators. 
3. Unlawful Reinsertion of Previously Deleted Accounts ( 611 ( a ) ( 5 ) ( B ) ) * XXXX previously removed XXXX XXXX XXXX from my report but has since reinserted it without proper notification and certification from the furnisher, violating : * FCRA 611 ( a ) ( 5 ) ( B ) Mandates that consumers be notified within XXXX business days when a previously deleted item is reinserted. 
4. Refusal to Remove Inaccurate Personal Information ( 609, 610 ) * XXXX has refused to update or remove outdated/fraudulent phone numbers and addresses on my report, making me vulnerable to further identity theft. 
Resolution Demanded : * Immediate and permanent removal of the fraudulent accounts and inquiries listed above. 
* Full compliance with FCRA 605B Block all fraudulent accounts and prevent further reporting. 
* A written explanation of the reinsertion process used to place removed accounts back on my credit file. 
* Monetary compensation for damages incurred due to XXXX negligent and deceptive practices, including statutory damages under FCRA 616 ( {$1000.00} per violation ) and actual damages for financial and reputational harm. 
XXXX actions are in clear violation of federal law and have caused significant financial hardship and emotional distress. I urge the CFPB to take immediate enforcement action against XXXX to ensure compliance with consumer protection laws. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief