Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : [ Insert Todays Date ] LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Subject : Formal Dispute under FCRA and XXXX XXXX XXXX XXXX Account # XXXX Dear LexisNexis Dispute Department , This is a formal request for investigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and XXXX XXXX compliance standards regarding the following inaccurate information in your file : Account in Dispute : Creditor : XXXX  XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reported Status : XXXX Debt Date of Last Activity : XX/XX/XXXX Charge-Off Balance : {$2600.00} Times Late : XXXX  days ( XXXX ), XXXX  days ( XXXX ), XXXX  days ( XXXX ) Remarks : Previously in Dispute Now Resolved Reported by Subscriber Dispute Grounds : XXXX. Incorrect Delinquency & Charge-Off Reporting : The payment history shows excessive delinquencies and a charge-off, but XXXX  XXXX failed to provide proper documentation or verification under FCRA 1681i. Additionally, as this account is linked to identity theft ( FTC Report filed ), the continued reporting of delinquencies and derogatory remarks violates 1681c-2. 
XXXX. Improper Dispute Resolution Remark : The XXXX XXXX Compliance Guide states that the Consumer disputes meets FCRA requirements code should remain for the full reinvestigation period and only be removed once the furnisher has provided verifiable documentation. No such documentation has been provided to me, and XXXX XXXX has acknowledged I may be a victim of fraud in prior CFPB responses.

3. Failure to Follow Reasonable Reinvestigation Procedure : Under FCRA 1681i ( a ) ( 1 ) ( A ), LexisNexis must perform a reasonable reinvestigation upon notice of a dispute. Merely reporting the subscribers position without verifying underlying documentation fails this standard and may constitute willful noncompliance under 1681n.

Requested Resolution : 1. Immediate deletion of the XXXX XXXX account from my LexisNexis consumer file pursuant to FCRA 1681c-2 ( a ) due to identity theft and failure to verify. 
XXXX. Remove all inaccurate derogatory payment history ( XXXX lates ) and charge-off status. 
XXXX. Remove the statement previously in dispute now resolved reported by subscriber, as no resolution was reached and no documentation was provided to support continued reporting. 

I have included a copy of my FTC Identity Theft Report, drivers license, proof of residence, and supporting documentation. If you do not remove or correct this information within 30 days, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ), Texas Attorney General, and consider legal action for noncompliance under FCRA 1681n and 1681o. 

Please mail a full updated consumer disclosure report upon completion of your reinvestigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation