Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. LexisNexis has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Based on the information provided, there are several issues that can be disputed using the Fair Credit Reporting Act ( FCRA ), the Privacy Act, and the Gramm-Leach-Bliley Act ( GLBA ) : 1. Authentication of XXXX XXXX 's identity : According to the FCRA, a consumer reporting agency must take reasonable steps to ensure the accuracy of the information it maintains. In this case, LexisNexis claims that they are unable to fully authenticate XXXX XXXX 's identity. However, they have not provided any specific reasons or evidence to support this claim. As a result, it can be disputed that LexisNexis has not fulfilled its obligation under the FCRA to authenticate XXXX XXXX 's identity. 

2. Request for additional identifiers : LexisNexis states that they attempted to reach XXXX XXXX via email to obtain additional identifiers. However, they have not mentioned whether they followed the proper procedures outlined in the FCRA for requesting additional information. It can be disputed that LexisNexis did not comply with the FCRA requirements for requesting additional identifiers. 

3. Opt-out request : LexisNexis mentions that XXXX XXXX requested an opt-out of certain LexisNexis products and that his name, address, and phone number were opted out of public-facing products. However, they also state that the opt-out does not apply to certain services provided by LexisNexis XXXX XXXX , such as the provision of bulk records to consumer reporting agencies. This raises concerns about the extent of the opt-out and whether LexisNexis has fully complied with the Privacy Act and the GLBA. It can be disputed that LexisNexis has not properly implemented the opt-out request. 

4. Security freeze : LexisNexis mentions that a security freeze was placed on XXXX XXXX 's file, but they also state that the security freeze does not apply to certain users of consumer reports, including those with whom XXXX XXXX already has an existing account. This raises concerns about the effectiveness of the security freeze and whether it complies with the FCRA. It can be disputed that LexisNexis has not properly implemented the security freeze. 

5. Dispute resolution process : LexisNexis states that they submit disputes to the originating consumer reporting agency and forward the results to the consumer when the nationwide consumer reporting agencies complete their reinvestigation. However, they have not provided any information about the results of the reinvestigation or whether they have provided XXXX XXXX with a copy of the reinvestigation results, as required by the FCRA. It can be disputed that LexisNexis has not fulfilled its obligation to provide XXXX XXXX with the results of the reinvestigation.

Company response to consumer: Closed with explanation