Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: PA

Complaint narrative:
I made the initial dispute XX/XX/XXXX which is over a year ago and is way beyond the 30 days allowed by law. I demand all address and misspelled/ inaccurate versions of my name be deleted immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX IA XXXX XXXX : CFPB Case # XXXX To Whom It XXXX XXXXoncern : I am writing to formally dispute the findings and conclusions presented in the correspondence dated XX/XX/XXXX, from LexisNexis Risk Solutions XXXX regarding my prior complaint about inaccurate reporting of address records.

**1. Identity Authentication : ** LexisNexis claims that they were unable to fully authenticate my identity. However, under the FCRA, it is mandated that consumer reporting agencies take reasonable steps to verify the identity of the consumer. The burden of proof lies with LexisNexis to demonstrate that they have made a good faith effort to authenticate my identity using the information I provided. In *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court emphasized the importance of consumer reporting agencies to properly investigate and verify the identity of the consumer. I provided sufficient documentation and information to support my identity, including full name, address, and previous correspondence. 

**2. Investigation Protocol : ** LexisNexis states that they initiated a dispute on my behalf, yet they did not provide any results from their investigation, nor did they detail the process they undertook to resolve the inaccuracies. The FCRA requires that consumers be informed of the results of their disputes within a reasonable time frame. According to *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the lack of communication regarding the results of an investigation constitutes a violation of the consumer 's rights under the FCRA. I have not received any substantive feedback regarding the accuracy of the reported addresses, nor have I been provided with a copy of my LexisNexis Consumer Disclosure Report upon request. 

**3. Requirement for Additional Documentation : ** LexisNexis 's request for a clear copy of my government ID or social security number, as well as a recent bill, in order to provide the results of the investigation raises concerns regarding privacy and the handling of personal information under the FCRA. The FCRA stipulates that consumers have the right to access their reports without excessive barriers. A demand for additional documentation, especially after I have already provided sufficient identity verification, seems excessive and not compliant with the FCRA 's provisions. 

XXXX. Lack of XXXX XXXX : ** I have not received any direct communication from the credit bureaus regarding the results of the dispute, as indicated in the LexisNexis correspondence. This lack of transparency and communication is contrary to the obligations set forth in the FCRA. 

In conclusion, I respectfully request that you revisit my dispute with LexisNexis and enforce compliance with the FCRA regarding the authentication of my identity, the investigation protocol, and the need for direct communication. I expect a prompt response to this dispute and the necessary actions to correct any inaccuracies in my consumer report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX [ XXXX XXXX ] -- - This letter serves to assert XXXX XXXX XXXX 's rights under consumer law and to challenge the handling of his dispute by LexisNexis.

Company response to consumer: Closed with explanation