Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NY

Complaint narrative:
Date : XX/XX/2025 To : XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Demand for Reinvestigation Under FCRA 609 & 611 Requester : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX No. : XXXX To Whom It May Concern : I am formally demanding a full reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), including 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 607 ( b ). The reinvestigation you providedstating N : MEMBER NUMBER SUBMITTED NOT REPORTING AS INQUIRY ON CREDIT FILEis not a lawful reinvestigation. I am under no legal obligation to supply XXXX internal member number to dispute an item that appears on my XXXX  consumer disclosure. 



XXXX  is required by federal law to conduct a reasonable reinvestigation of every disputed item when the consumer provides sufficient identifying information to locate the account. My dispute clearly identified the item appearing on * your * disclosure. Your closure of my dispute without contacting the furnisher violates : FCRA 611 ( a ) ( 1 ) ( A ) : Duty to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 2 ) ( A ) : Obligation to notify the furnisher FCRA 611 ( a ) ( 3 ) : Requirement to review and consider all documentation FCRA 607 ( b ) : Duty to follow reasonable procedures to assure maximum possible accuracy I demand an immediate, full reinvestigation of the disputed item. Your failure to investigate also raises concerns of potential mixed-file issues and the improper special handling treatment I have experienced for years, dating back to adverse disputes handled by XXXX  during XXXX. I have repeatedly experienced identity confusion, misclassification, and erroneous dispute processingall of which are indicative of systemic data-handling errors. 



I demand full compliance with all FCRA requirements within the mandated reinvestigation time period. 



Sincerely, XXXX XXXX XXXX. Request for Description of Reinvestigation Procedure RE : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Request for Description of Reinvestigation Procedure Pursuant to my statutory rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I hereby request a complete description of the procedure used to determine the accuracy and completeness of the disputed information associated with Confirmation No. XXXX. 



Your description must include : The business name, address, and phone number of every furnisher contacted The databases, identifiers, or data-matching protocols used All internal codes relied upon in rejecting or processing my dispute A full explanation for how XXXX  determined the item could not be located Failure to provide this description would constitute a further violation of federal law. 



Please mail or email the complete procedural description to me at : Email : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX. CFPB Complaint Draft Consumer Financial Protection Bureau ( CFPB ) Complaint Narrative Draft I am submitting this complaint because XXXX failed to conduct a lawful and reasonable reinvestigation of my dispute filed XX/XX/, Confirmation No. XXXX. XXXX  rejected my dispute on the grounds that a member number was not reporting, despite the fact that the disputed item appears on their own disclosure. A credit bureau can not require a consumer to provide internal subscriber codes in order to exercise FCRA dispute rights. 



This conduct violates FCRA 607 ( b ), 609 ( a ), and 611 ( a ). Additionally, I have a long history of mishandled disputes and special handling treatmentdating back to XXXX raises concerns about systemic misidentification and mixed-file issues. I request immediate corrective action, full reinvestigation, and regulatory review. 



Requested Relief : Mandatory reinvestigation Removal or correction of inaccurately handled items Review of XXXX dispute-handling procedures Confirmation that my file is not merged or misindexed 4. Full File Disclosure Request ( FCRA 609 ( a ) ) RE : FCRA 609 ( a ) Full Consumer File Disclosure Request This is a formal request under FCRA 609 ( a ) ( 1 ) for my complete consumer file. I require the entire file XXXX  maintains about me, including but not limited to : All identifying information linked to my file All name variations, addresses, SSN variations, and linked persons All inquiries ( soft and hard ) All internal data, including archive files, suppressed data, and special-handling notes All internal subscriber/member codes Any mixed-file indicators or split-file flags All public records, fraud alerts, and internal identity-management markers All data furnished to third parties within the last XXXX years Please provide the full file in electronic format to : Email : XXXX And mail a physical copy to : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX. Official XXXX Consumer Statement CONSUMER STATEMENT ( XXXX WORDS ) I dispute the accuracy and handling of certain information in my XXXX  credit file. A recent dispute response incorrectly stated that the item could not be located, despite appearing in my disclosure. I believe this issue may relate to historical misidentification or mixed-file problems, and I request that all disputed information be thoroughly reinvestigated. This statement should be included in my file to notify creditors that I am actively correcting inaccurate or improperly verified data.

Company response to consumer: Closed with explanation