Consumer complaint received 2026-05-18 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: FL

Complaint narrative:
I am formally requesting that the Consumer Financial Protection Bureau immediately intervene and enforce corrective action against the three nationwide consumer reporting agencies : XXXX and LexisNexis. More than thirty ( 30 ) days ago, I submitted written disputes along with detailed identity theft documentation and supporting evidence regarding fraudulent and inaccurate information appearing on my credit file. Despite receiving this documentation, the credit reporting agencies have failed to comply with their statutory obligations under federal law. Their failure to properly investigate, block fraudulent information, and correct inaccuracies constitutes ongoing violations of the Fair Credit Reporting Act and related consumer protection statutes. The continued reporting of fraudulent and unverifiable information is causing ongoing harm to my credit profile and financial standing. Violations Committed by the Credit Reporting Agencies Failure to Maintain Maximum Possible Accuracy : 15 U.S.C. 1681e ( b ) Failure to Conduct a Timely Investigation : FCRA 611 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681i ( a ) Failure to Provide Reinvestigation Results : FCRA 611 ( a ) ( 6 ) Failure to Block Identity Theft Information : FCRA 605B 15 U.S.C. 1681c-2 Failure to Provide Proper Debt Notification : 15 U.S.C. 1692g Failure to Safeguard Consumer Information : Gramm-Leach-Bliley Act 15 U.S.C. 68016809 Failure to Provide Identity Theft Victim Assistance : 15 U.S.C. 1681g ( e ) Fraudulent Account Requiring Immediate Removal : 1. XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX FTC Identity Theft Report ( # XXXX ) Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) XXXX XXXX formatting and accuracy violations FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Florida law. 2. XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX FTC Identity Theft Report ( # 201710612 ) Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) XXXX XXXX formatting and accuracy violations FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Florida law. 3. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX FTC Identity Theft Report ( # 201710612 ) Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) XXXX XXXX formatting and accuracy violations FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Florida law. 4. XXXXXXXX XXXX Account Number : XXXXXXXXXXXX XXXX XXXX XXXX FTC Identity Theft Report ( # XXXX ) Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) XXXX XXXX f ormatting and accuracy violations FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Florida law. 5. XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX FTC Identity Theft Report ( # XXXX ) Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) XXXX XXXX formatting and accuracy violations FDUTPA : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 FCCPA : Fla. Stat. 559.72 ( 9 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Florida law. Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Demand : Immediate removal of these unauthorized inquiries under FCRA 1681b, 1681c-2 , 1681i ( a ), FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 due to lack of permissible purpose, absence of written authorization, and violation of consumer protection laws. Provide full documentation of permissible purpose and signed consumer consent for each inquiry. Unfamiliar or Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion of these inaccurate addresses under FCRA 1681e ( b ), 1681i ( a ), FCCPA 559.72 ( 9 ), and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.211 as they constitute false and misleading information, harming the accuracy and integrity of my credit file. Requested Relief from the CFPB I respectfully request that the Consumer Financial Protection Bureau require the credit reporting agencies to : Immediately delete and permanently block all fraudulent accounts listed above. Remove all unauthorized hard inquiries associated with the identity theft activity. Correct all inaccurate personal information, including addresses, employer listings, and name variations. Provide updated credit reports from all three bureaus confirming the corrections. Implement identity theft protections, including fraud alerts and blocking of fraudulent data. Conduct a regulatory investigation into the failure of the bureaus to comply with the requirements of the Fair Credit Reporting Act and related statutes. Supporting Documentation Previously Submitted Government-issued photo identification Social Security card Police report documenting identity theft Proof of current residence Copies of original dispute letters sent to the creditors Declaration I affirm under penalty of perjury that the information contained in this complaint is true and accurate to the best of my knowledge. Due to the significant harm caused by the continued reporting of fraudulent information, I respectfully request prompt intervention by the Consumer Financial Protection Bureau to enforce compliance with federal law and restore the accuracy of my credit file.

Company response to consumer: Closed with explanation