Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I sent a dispute letter to LexisNexis 3 times without a response. they returned letter to me twice. so i sent a final letter priority through USPS to LexisNexis and it was signed for on XX/XX/2025. LexisNexis still havent responded to my dispute letter. A FCRA violation refers to a violation of the fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of Consumer credit information. Federal law requires that Consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and and recover actual damages, statutory damages, and attorney fee.This account listed on my letter is not 100 % correct and I Demand it to be Deleted Immediately. LexisNexis is in violation of breech of my privacy rights LexisNexis is also in violation of these Laws 15 USC 1681e ( b ) 15 USC 1681i ( 7 ) 15 USC 1681S-2 15 USC 18B 15 USC 1681c ( 2 ) IN MY FOLLOW-UP, CLEARLY EXPLAIN : THAT LEXISNEXIS RESPONDED WITH INFORMATION THAT APPEARS TO BE SOMEONE ELSE IDENTITY AND NOT RELATED TO ME. THIS COULD INDICATE A MIX-UP OF PERSONAL DATA, A VIOLATION OF MY CONSUMER RIGHTS, AND POSSIBLE INCLUSION OF INACCURATE INFORMATION ON MY FILE. THEY DID NOT PROPERLY INVESTIGATE OR RESPOND TO THE ACTUAL CONCERN : THE INCORRECT BANKRUPTCY LISTING ON MY FILE. LEXISNEXIS RESPONSE TO CFPB COMPLAINT REFERENCES ANOTHER PERSON 'S IDENTITY FAILURE TO ADDRESS ACTUAL DISPUTE. I FILED A COMPLAINT REGARDING A BANKRUPTCY THAT APPEARS ON MY LEXISNEXIS CONSUMER FILE, WHICH I DISPUTE OF BREECH OF PRIVACY RIGHTS DUE TO THE FACT THE COURT SENT ME A LETTER REFERENCING THEY DO NOT REPORT TO LEXISNEXIS. LEXISNEXIS TOOK INFORMATION FROM XXXX SERVICES AND FURNISHED TO ALL 3 CREDIT BUREAUS WHICH DESTROYED MY CREDIT WORTHINESS WHICH IS A BREECH OF MY PRIVACY RIGHTS. LEXISNEXIS RESPONDED BY REFERENCING INFORMATION RELATED TO A TRADE LINE AND IDENTITY THAT IS NOT MINE, SUGGESTING A POTENTIAL MIX-UP OF PERSONAL DATA AND FILES. THIS RAISES SERIOUS CONCERNS ABOUT DATA INTEGRITY AND CONSUMERS PRIVACY VIOLATIONS. FURTHERMORE THEY DID NOT ADDRESS OR INVESTIGATE THE ACTUAL REASON FOR MY ORIGINAL COMPLAINT -- -- THE PRESENCE OF A BANKRUPTCY FILING AND BREECH OF MY PRIVACY RIGHTS. I REQUEST THAT THE CFPB REOPEN THIS MATTER OR ESCALATE THIS MATTER FOR : " A PROPER INVESTIGATION OF THE INACCURATE BANKRUPTCY RECORD ; '' " AN EXPLANTATION FROM LEXISNEXIS AS TO WHY THEY RESPONDED WITH IRRELEVANT OR INCORRECT INFORMATION ABOUT ANOTHER IDENTITY ;, '' " REMOVAL OF INACCURATE BANKRUPTCY OR UNVERIFIED DATA FROM MY LEXISNEXIS CONSUMER REPORT : '' " A COMPLIANCE REVIEW OF LEXISNEXIS UNDER THE FCRA, ESPECIALLY REGARDING MIXED DATA AND PROPER REINVESTIGATION PROTOCOLS ( 15 USC 1681i ). '' I PROVIDED DOCUMENTATION TO SUPPORT MY IDENTITY AND DISPUTE, I DEMAND THAT LEXISNEXIS DELETE THIS BANKRUPTCY FROM MY CONSUMER REPORT AND NOTIFIED ALL 3 CREDIT BUREAUS IMMEDIATELY. EVERYTHING IN ALL THE ATTACHMENTS INCLUDING THE LETTER FROM THE COURT. ALSO I WILL BE FILING A COMPLAINT TODAY WITH THE BETTER BUSINESS BUREAU AS WELL AS THE ATTORNEY GENERAL. LEXISNEXIS HAS DESTROYED MY CREDIT WORTHINESS BY BREECH OF MY PRIVACY RIGHTS IF THIS MATTER ISNT RESOLVED I WILL BE FORWARDED THIS TO MY ATTORNEY. I DEMAND LEXISNEXIS TO NOT SEND ME A LETTER IN THE MAIL TO VERIFY MY IDENTITY ALL MY IDENTIFICATION ARE ATTACH TO THIS COMPLAINT.

Company response to consumer: Closed with explanation