Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NC

Complaint narrative:
Name : XXXX XXXX XXXX Address Line : XXXXXXXX XXXX XXXX XXXX Address Line : XXXX, NC XXXX Document Date : XX/XX/XXXX LEXISNEXIS XXXX XXXX XXXX XXXX, GA XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found that it contains multiple errors. It has come to my attention that you are reporting what I believe to be inaccurate and unauthorized data which I formally dispute and this letter is an appeal for your assistance. As a consumer reporting agency under 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalid information in their consumer file. The FCRA states that it is the consumer reporting agencys responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is engaged in the business of assembling, evaluating, and disbursing consumer information for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high standard on consumer reporting agencies.
2. Comply with the investigation requirements under 15 U.S.C. 1681i.

3. Not provide consumer files to companies without first determining that these companies had a permissible purpose pursuant to 15 U.S.C. 1681b.

4. Provide the consumer file pursuant to 15 U.S.C. 1681g, et seq. 

Accordingly, I request that your company provide verifiable documentary proof ( such as the original consumer contract or similar proof bearing my wet ink signature ) for each of the accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, or derogatory information from my consumer report. 

For your convenience, I am sending you the list below. These listed accounts and inquiries are neither my debts nor my authorized actions they are inaccurate and unauthorized, and I demand that you remove them. See XXXX XXXX XXXX 



EXHIBIT A : DISPUTED ACCOUNTS, COLLECTIONS, CHARGE-OFFS, REPOSSESSION Creditor Name Account Number Type Balance Status Reason for Removal XXXX XXXX Collection {$370.00} Unauthorized Not mine, identity theft. Remove. 
XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} Unauthorized Obsolete, not mine. Remove. 
Repossession ( Unspecified ) Auto Repossession Completely False Never financed a vehicle. Identity theft. Remove.

Various Bad Debt Codes Charge-off/Bad Debt Unauthorized Not mine, unverifiable. Remove. 
XXXX XXXX {$1200.00} Unauthorized Identity theft. Remove. 
XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} Unauthorized Identity theft. Remove. 
XXXX XXXX XXXX. XXXX {$490.00} Unauthorized Identity theft. Remove. 
XXXX XXXX  ( XXXX XXXXXXXX ) * XXXX Charge-off/Bad Debt {$940.00} Unauthorized Identity theft. Remove. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXXXXXX Charge-off/Bad Debt {$420.00} Unauthorized Identity theft. Remove. 
XXXX XXXX XXXX ( XXXX XXXXXXXX ) * XXXX Charge-off/Bad Debt $ XXXX Unauthorized Identity theft. Remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off/Bad Debt {$1000.00} Unauthorized Identity theft. Remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off/Bad Debt {$500.00} {$700.00} Unauthorized Identity theft. Remove. 
XXXX ( * XXXX ) * XXXX Charge-off/Bad Debt {$300.00} Unauthorized Identity theft. Remove. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off/Bad Debt Multiple Unauthorized Identity theft. Remove. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off/Bad Debt {$500.00} Unauthorized Identity theft. Remove. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off/Bad Debt {$1400.00} Unauthorized Identity theft. Remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off/Bad Debt {$2900.00} Unauthorized Identity theft. Remove. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge-off/Bad Debt {$470.00} {$2500.00} Unauthorized Identity theft. Remove. 



EXHIBIT B : DISPUTED HARD INQUIRIES Creditor Name Date of Inquiry Reason for Removal XXXX, XXXX ( Multiple ) XX/XX/XXXXXXXX  No permissible purpose. Not authorized. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX collection inquiry. Not authorized. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Not authorized. No permissible purpose. 



EXHIBIT C : DISPUTED PREVIOUS ADDRESSES Block and permanently remove these outdated or unverifiable addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not mine. 


EXHIBIT D : DISPUTED EMAILS Block and permanently remove these inaccurate or obsolete emails XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon completion of your investigation, please send me a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent who conducted the investigation. 

I understand you will require verification to confirm my identity. My information is as follows : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXXXXXX  DATE OF BIRTH : XX/XX/XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX PHONE NUMBER XXXX XXXX EMAIL : XXXX I am sending this letter by certified mail to ensure that this matter is resolved within the required thirty ( 30 ) day window to avoid any violation of the FCRA. Please send me a copy of the updated consumer report as soon as the inaccurate items are removed. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of my government-issued ID Proof of current address

Company response to consumer: Closed with explanation