Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
# XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XX/XX/year> # # SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX * * RE : FORMAL DISPUTE OF CONSUMER REPORT - FILE # XXXX * * * * XXXX XXXX XXXX AND FCRA VIOLATIONS * * To Whom It May Concern : This letter serves as my formal dispute regarding multiple XXXX  XXXX XXXX violations and FCRA infractions identified in my consumer report dated XXXX, XXXX, 2025. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute inaccurate and improperly reported information. 

# # # IDENTIFICATION INFORMATION - * * Full Name : * * XXXX XXXX - * * Address : * * XXXX XXXX XXXX, XXXX, LA XXXX - * * Current Phone : * * XXXX - * * Email : * * XXXX - * * XXXX Number : * * XXXX # # # XXXX XXXX XXXX  VIOLATIONS Under the XXXX XXXX Format requirements established by the Consumer Data Industry Association ( CDIA ) and enforced through the FCRA, I am disputing the following compliance violations : 1. * * DATA INTEGRITY VIOLATION ( SEGMENT L1 ) : * * My telephone number ( XXXX ) is incorrectly coded as an address field, which violates XXXX XXXX reporting standards for proper field segmentation and data integrity. 

2. * * INACCURATE CONSUMER INFORMATION INDICATOR ( CII ) : * * Despite my active dispute filed on XX/XX/year>, furnishers have failed to properly code the XXXX field with the appropriate dispute indicator ( XXXX, XXXX, or XXXX ) as required by XXXX XXXX standards. 

3. * * ASSOCIATION CODE VIOLATIONS ( SEGMENT XXXX ) : * * Imperial Fire and CA ( policy # XXXX ) has improperly coded multiple individuals on the same policy with incorrect relationship designations. The report shows inconsistent coding between " PRIMARY '' and " LISTED '' status for individuals sharing the same last name ( XXXX ), violating XXXX XXXX requirements for proper association coding. 

XXXX. * * NAME/IDENTITY STANDARDIZATION VIOLATIONS ( BASE SEGMENT ) : * * My name appears inconsistently throughout the report - sometimes as " XXXX XXXX XXXX and other times as " XXXX XXXX '' - violating XXXX XXXX requirements for standardized consumer identification across segments. 

XXXX. * * DUPLICATE RECORD REPORTING ( ALL SEGMENTS ) : * * The report contains multiple duplicate entries with different reference numbers ( XXXX and XXXX ) for the same policy information, violating XXXX XXXX 's prohibitions against duplicate reporting. 

XXXX. * * INCOMPLETE DATA REPORTING ( XXXX SEGMENT ) : * * Required fields ( Driver 's License Number and State ) are missing for multiple subjects listed on the Imperial Fire and CA policy, despite being required fields under XXXX XXXX format specifications. 

XXXX. * * VERIFICATION OF DATA FURNISHERS ( SEGMENT XXXX ) : * * Multiple inquiries made by the same companies on identical dates ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ) appear duplicative and lack required verification of permissible purpose under XXXX XXXX XXXX specialized reporting segments. 

# # # SPECIFIC FCRA VIOLATIONS 1. * * ACCURACY REQUIREMENTS ( 1681e ( b ) ) : * * LexisNexis has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the phone number ( XXXX ) incorrectly listed as an address. 

2. * * PERMISSIBLE PURPOSE ( 1681b ) : * * The following inquiries lack proper documentation of permissible purpose under FCRA guidelines : - XXXX XXXX XXXX XXXX  ( dates : XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( dates : XXXX ) - Written Consent Prequalification - XXXX XXXX XXXX multiple dates : XXXX, XXXX, XXXX, XXXX ) - XXXX  XXXX ( dates : XXXX, XXXX ) - XXXX XXXX XXXX ( multiple dates ) - XXXX XXXX XXXX XXXX XXXX XXXX ( dates : XXXX ) XXXX. * * XXXX XXXX  INQUIRY ( date : XXXX ) : * * This inquiry lacks proper authorization and consent documentation. 

# # # REQUIRED ACTIONS Under the FCRA 1681i, I demand that LexisNexis : 1. Conduct a reasonable investigation into each disputed item within 30 days 2. Remove all unauthorized inquiries listed above from my consumer report 3. Correct the improper coding of my phone number ( XXXX ) as an address 4. Update my contact information to reflect : - Current Phone : XXXX - Primary Email : XXXX - Removal/Notification Email : XXXX XXXX Review all XXXX XXXX data integrity standards regarding my consumer file 6. Notify all users of my report within the last six months of these corrections 7. Provide me with written results of your investigation within 30 days 8. Forward all corresponding communications regarding this matter to both email addresses listed above Please be advised that failure to comply with these demands constitutes continued violation of the FCRA, which provides for actual and punitive damages, along with reasonable attorney 's fees. Additionally, the Consumer Financial Protection Bureau and the Federal Trade Commission will be notified of any non-compliance. 

I await your prompt response confirming receipt of this dispute and subsequent written notification of your investigation results. 

Sincerely, XXXX XXXX * * Enclosures : * * - Copy of LexisNexis Consumer Report dated XX/XX/year> - Copy of identification documents ( separately attached ) - Documentation of disputes previously submitted

Company response to consumer: Closed with explanation