Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau From : XXXX XXXX Re : Formal Rebuttal CFPB Complaint No. XXXX Date : XX/XX/XXXX Subject : XXXX to LexisNexis Risk Solutions Inc . Response Dated XX/XX/XXXX Misclassification, Evasion, and Willful Noncompliance To Whom It May Concern : This is a formal rebuttal to the response submitted by LexisNexis Risk Solutions Inc. dated XX/XX/XXXX, in reference to CFPB Complaint ID : XXXX. Their response is legally inaccurate, deceptive, and designed to obstruct accountability under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and New York XXXX XXXX XXXX 

Below is a point-by-point refutation of their claims, followed by renewed demands and notice of escalation. 

XXXX. LexisNexis is a Consumer Reporting Agency ( CRA ) under Federal Law LexisNexis falsely asserts that it is not a Consumer Reporting Agency as defined under XXXX XXXX XXXXXXXX ( f ). However, the FCRA clearly includes any entity that assembles or evaluates consumer information for the purpose of furnishing consumer reports to third parties. 

LexisNexis produces and sells products like RiskView, Accurint, and other data profiles used by lenders, landlords, and employers. 

This conduct falls squarely under the FCRAs scope, as confirmed in : TransUnion XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Doe XXXX LexisNexis Risk & Info. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) LexisNexis 's denial of this designation is a deliberate attempt to avoid liability and must be reviewed by enforcement staff. 

XXXX. Suppression is Not Deletion Continued Data Possession is Unlawful LexisNexis states it has suppressed my file, but this : Does not delete the data from internal servers, databases, or affiliates. 

Does not stop LexisNexis from analyzing, repackaging, or reselling the data to third parties. 

Does not satisfy my lawful request for complete removal of data under XXXX XXXX. XXXX ( a ) ( reinvestigation and correction of information ) and XXXX ( a ) of the GLBA ( notice and opportunity to opt out of data sharing ). 

Suppressing a file while retaining, monetizing, or repurposing the data constitutes continued consumer harm and bad faith noncompliance. 

XXXX. Their Identity Verification Claim Is Baseless and Contradictory In their letter, LexisNexis claims it was not able to sufficiently verify my identity, yet : They mailed me a personalized response to my verified home address. 

They have already been selling or disclosing my data to XXXX parties who rely on their records for credit, insurance, and employment decisions. 

This is a false pretext, designed to evade responsibility. If LexisNexis had insufficient identity confirmation, no data dissemination should have occurred in the first place. 

XXXX. Retention Based on Legitimate Business Need Violates Federal Law LexisNexis asserts a right to retain my information due to a " legitimate business need. '' However : No business need justifies retaining consumer data without consent and without permissible purpose as defined in XXXX XXXX. XXXX. 

The Gramm-Leach-Bliley Act, FCRA, and the XXXX XXXX XXXXXXXX XXXX XXXX this type of non-consensual retention and sale of consumer data. 

Retention under this guise, without offering full deletion or proof of permissible use, amounts to willful violation and must be reviewed for penalties. 

XXXX. Renewed and Final Demand for Corrective Action LexisNexis must immediately : Permanently delete all personal, financial, and identifying data concerning me from its databases and those of its affiliates. 

Provide written confirmation of deletion within XXXX calendar days. 

Cease all present and future use, profiling, or sale of my data. 

Acknowledge their status as a Consumer Reporting Agency and submit a written XXXX compliance plan. 

XXXX. Notice of Escalation If LexisNexis fails to comply or the CFPB fails to escalate this case : I will submit formal complaints to the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX. 

I will initiate civil litigation for data misuse, willful FCRA violations, and privacy breaches. 

I will provide documentation to national consumer protection organizations and media outlets, warning other consumers about LexisNexis 's conduct. 

Conclusion : LexisNexis can not hide behind technicalities, suppression tactics, or false jurisdictional defenses. Their continued mishandling of my personal information is unlawful, unethical, and actionable. I demand the CFPB escalate this case to a supervisory or enforcement-level investigation without delay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation