Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
b"What Happened:\nXXXX XXXX Discovered LexisNexis systematically accessing my federal bankruptcy records through PACER database without written authorization and furnishing this information to XXXX XXXX XXXX XXXX XXXX  credit bureaus in violation of 15 USC 1681b(a)(2) which requires written consumer instructions.\nViolations Identified: LexisNexis accessed and furnished XXXX XXXX accounts plus Chapter 7 bankruptcy information without any written consumer authorization or permissible purpose. Federal bankruptcy courts officially state they do not report to credit agencies, yet LexisNexis obtained this information through unauthorized PACER access and commercially furnished it to all major credit bureaus.\nXXXX XXXX XXXX Sent formal dispute letters requesting evidence of written authorization for furnishing and investigation procedures required under 15 USC 1681i(a)(7). LexisNexis failed to provide any evidence of consumer authorization or investigation procedures within required XXXX  timeline.\nXXXX XXXX: Sent certified demand letter (tracking XXXX XXXX XXXX XXXX XXXX XXXX) documenting systematic federal law violations including permissible purpose violations under 15 USC 1681b and identity theft under 18 USC 1028A. Demanded settlement and immediate cessation of unauthorized access.\n\n\nCompany's Response: Complete silence. LexisNexis failed to respond to certified demand letter, failed to provide required investigation procedures, failed to provide evidence of written consumer authorization, and continues furnishing unauthorized information to credit bureaus.\n\nOngoing Harm: Unauthorized credit reporting blocks access to high-value investment opportunities including real estate funds, private equity access, and commercial lending. LexisNexis serves as root source furnisher enabling violations across all credit bureaus, creating aggregate damages through blocked investment access and increased borrowing costs.\n\nPattern of Willful Violations: LexisNexis operates systematic data mining operation accessing consumer identification from federal court records without authorization, then commercially furnishing to all major credit bureaus. This constitutes organized unauthorized access under 18 USC 1028A and systematic FCRA violations under multiple provisions.\n\nFailed Legal Obligations: LexisNexis violated mandatory requirements to provide investigation procedures within XXXX XXXX  per 15 USC 1681i(a)(7), failed to demonstrate permissible purpose for PACER access, failed to obtain written consumer instructions for furnishing per 15 USC 1681b(a)(2), and continues systematic unauthorized access despite formal legal notice.\n\nCurrent Status: LexisNexis continues furnishing unauthorized information to all major credit bureaus without written consumer authorization, creating ongoing federal law violations. Company's silence to legal demands evidences willful disregard for federal consumer protection laws and admission of inability to justify systematic unauthorized access operation.\n\nRequested Action: Immediate cessation of unauthorized furnishing, complete data purging, notification to all credit bureaus of unauthorized access, investigation of systematic PACER access violations, and monetary damages for willful federal law violations affecting high-value investment access.\nSupporting Evidence: Certified mail delivery confirmation, documentation of unauthorized PACER access, proof of furnishing without written authorization, evidence of ongoing violations despite legal notice, and calculation of aggregate damages from blocked investment opportunities.\n\nThis systematic unauthorized access operation represents commercial-scale identity theft and FCRA violations warranting maximum CFPB enforcement action and penalties"

Company response to consumer: Closed with explanation