Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Dear CFPB Officials, I am writing to urgently bring your attention to an ongoing and troubling situation involving multiple Credit Reporting Agencies ( CRAs ) that has persisted for four years, culminating in the filing of XXXX police reports relating to identity theft. The police report numbers are XXXX and XXXX. These incidents, combined with the CRAs failures to rectify numerous inaccuracies in my credit reports, underscore the need for immediate intervention by your agency. 
Despite my repeated attempts to address the inaccuracies, the CRAs have not fulfilled their statutory obligations set forth under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which entitles consumers to dispute inaccurate information and requires CRAs to conduct a reasonable investigation. As established in **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX, XXXX ), the courts have ruled that CRAs must take comprehensive steps to ensure the accuracy of their reports, rather than relying on cursory checks. 
The identity theft cases reported through XXXX and XXXX should have prompted an immediate and thorough investigation into my claims, as emphasized in the BAP opinion **In re XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXXXXXX ) **. This opinion clearly stipulates that CRAs must act diligently in validating reports of identity theft, yet my experiences demonstrate a stark failure in this regard. 
Furthermore, the importance of safeguarding consumer reputations has been reiterated in **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) **, wherein the XXXX XXXX highlighted the constitutional protections consumers hold under the Fourteenth Amendment. The ongoing proliferation of inaccurate reporting has led to significant emotional distress and financial instability, primarily exacerbated by the identity theft that has wrongfully tarnished my creditworthiness. 
In addition, the court 's decision in **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ** clarified that consumer reporting agencies indeed bear an affirmative duty to report accurate information with utmost diligence. With the documented incidents of identity theftboth reflected in the police reportsany inaccuracies linked to my credit profile stand in direct violation of these established legal principles. 
I respectfully request that the CFPB conduct a thorough investigation into the actions of these CRAs concerning my case, the ramifications of which extend far beyond individual impact into broader systemic failures faced by consumers nationwide. Your office has the authority to enforce compliance with consumer protection laws and ensure that the rights of consumers like myself are upheld rigorously. 
Thank you for your immediate attention to this pressing issue. I anticipate your prompt response and necessary actions that will restore fairness and accuracy in the consumer reporting process. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation