Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX LEXISNEXIS XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION XXXX : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX XXXX To Whom It May Concern : Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it is the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian Info. Sols., Inc. , 2011 WL 1085874 ( tel:1085874 ), at * 4 ( E.D. Va. Mar. 18, 2011 ) ( breaking down the requirements of 1681e ( b ), and explaining that " assure ' means 'to make sure or certain : put beyond all doubt, '' ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what may be done, occur or be conceived. '' ( quoting XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report.

For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are inaccurate. Please correct this by the removal of these items from my consumer report. 


XXXX XXXX XXXX XXXXXXXX XXXX This is not the correct spelling of my name, and I have reason to believe the inaccurate name you are reporting may belong to someone else with a similar name. Delete the inaccurate name XXXX XXXXXXXX XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

XXXX : XXXX XXXX XXXX This is not the correct spelling of my name and I have reason to believe the inaccurate name you are reporting may belong to someone else with a similar name. Delete the inaccurate name XXXX XXXX XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX This is not my correct address nor have I ever been associated with this address. I have reason to believe the inaccurate address you are reporting may belong to someone else with a similar name. Delete the inaccurate address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This is not my correct address nor have I ever been associated with this address. I have reason to believe the inaccurate address you are reporting may belong to someone else with a similar name. Delete the inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

XXXX : XXXX XXXX XXXX, XXXX XXXX, IL XXXX This is not my correct address, nor have I ever been associated with this address. I have reason to believe the inaccurate address you are reporting may belong to someone else with a similar name. Delete the inaccurate address XXXX XXXX XXXX, XXXX XXXX, IL XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This is not my correct address, nor have I ever been associated with this address. I have reason to believe the inaccurate address you are reporting may belong to someone else with a similar name. Delete the inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

XXXX : XXXX XXXX XXXX XXXX, XXXX, IL XXXX This is not my correct address, nor have I ever been associated with this address. I have reason to believe the inaccurate address you are reporting may belong to someone else with a similar name. Delete the inaccurate address XXXX XXXX XXXX XXXX, XXXX, IL XXXX from my credit file because you apparently have mistakenly mixed or merged someone else 's information with my file. 

8 : Section 5 : XXXX BANKRUPTCY XXXX ILLINOIS XXXX XXXX. Bankruptcy Filing Number : XXXX filed on XX/XX/XXXX XXXX BANKRUPTCY XXXX ILLINOIS XXXX XXXX appears to be inaccurate. Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items 1 am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity.

ENCLOSED ARE THE FOLLOWING TWO DOCUMENTS THAT VERIFY MY IDENTITY. 1 : MY DRIVERS LICENSE 2 : MY SOCIAL SECURITY CARD XXXX : MY BANK STATEMENT. 




SINCERELY, XXXX XXXX XXXX

Company response to consumer: Closed with explanation