Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
RE : SYSTEMATIC FCRA VIOLATIONS AND DATA ACCURACY FAILURES BY LEXISNEXIS XXXX XXXX XXXX XXXX. 

I am filing this complaint against LexisNexis XXXX XXXX XXXX XXXX for systematic violations of the Fair Credit Reporting Act ( FCRA ) and failure to maintain data integrity standards as a consumer reporting agency furnishing information to credit bureaus and other entities. 

I. FCRA CONSUMER REPORTING AGENCY VIOLATIONS Violation of 15 U.S.C. 1681a ( f ) - Consumer Reporting Agency Definition : LexisNexis operates as a consumer reporting agency by regularly assembling and evaluating consumer credit and public record information for the purpose of furnishing consumer reports to third parties, including major credit bureaus. Despite this clear CRA status, LexisNexis fails to comply with corresponding FCRA obligations. 

Violation of 15 U.S.C. 1681e ( b ) - Reasonable Procedures for Maximum Possible Accuracy : LexisNexis systematically fails to follow reasonable procedures to assure maximum possible accuracy of consumer information by : 1. Lack of Primary Source Verification : Aggregating public records without direct courthouse verification 2. Automated Data Processing : Relying on algorithmic data collection without human verification 3. Stale Data Perpetuation : Failing to update or verify currency of public record information 4. Chain of Custody Failures : No documented verification protocols from original source to final report II. DATA FURNISHER COMPLIANCE VIOLATIONS XXXX XXXX and XXXXata Integrity Standard Failures : As a data furnisher to credit reporting agencies, LexisNexis violates industry data integrity standards by : Indirect Source Reporting : Furnishing second-hand public record data without direct verification Lack of Dispute Resolution : No adequate consumer dispute mechanisms for furnished data Accuracy Validation Failures : No regular audits or quality control measures for furnished information Source Documentation Deficiencies : Inadequate maintenance of original source documentation III. CONSUMER RIGHTS VIOLATIONS Violation of 15 U.S.C. 1681g - Disclosures to Consumers : LexisNexis fails to provide adequate consumer access to information in their files, despite being a consumer reporting agency subject to disclosure requirements.

Violation of 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : Inadequate Investigation Procedures : No reasonable reinvestigation process for disputed information Failure to Contact Information Sources : Does not verify disputed information with original sources No Consumer Notification : Fails to properly notify consumers of investigation results Continued Reporting of Disputed Information : Continues furnishing disputed data during investigations XXXX. SYSTEMIC PROCEDURAL FAILURES Data Collection Without Consent Verification : LexisNexis aggregates and reports consumer information without verifying permissible purposes under XXXX U.S.C. XXXX, potentially facilitating unauthorized access to consumer data. 

Failure to Maintain Reasonable Procedures : No documented verification protocols for public record accuracy Inadequate quality control measures for automated data processing Failure to implement consumer protection safeguards No regular audits of data accuracy and completeness V. CONSUMER REPORTING PURPOSE VIOLATIONS Violation of 15 U.S.C. 1681b - Permissible Purposes : LexisNexis may be furnishing consumer reports without adequate verification of permissible purposes, particularly when providing bulk data to credit reporting agencies and other third parties. 

SPECIFIC VIOLATIONS IDENTIFIED PRIMARY SOURCE VERIFICATION FAILURE : LexisNexis furnishes public record information to credit bureaus without maintaining direct courthouse verification, violating maximum accuracy standards and creating systematic inaccuracy throughout the credit reporting system. 

CONSUMER ACCESS DENIAL : Despite operating as a consumer reporting agency, LexisNexis makes consumer access to their files difficult or impossible, violating fundamental FCRA disclosure requirements. 

DISPUTE PROCESS INADEQUACY : LexisNexis lacks adequate dispute resolution procedures for consumers challenging information in their database that subsequently appears on credit reports. 

RELIEF REQUESTED IMMEDIATE CORRECTIVE ACTIONS : XXXX. Primary Source Verification Implementation : Require direct courthouse verification for all public record information before furnishing to credit bureaus 2. Consumer Access Portal : Establish consumer disclosure system allowing access to LexisNexis files as required under FCRA 1681g 3. Dispute Resolution System : Implement comprehensive consumer dispute procedures with direct source verification protocols 4. Data Quality Controls : Establish regular audits and quality control measures for all furnished consumer information 5. Permissible Purpose Verification : Implement strict verification procedures for all entities receiving consumer information REGULATORY OVERSIGHT : Request CFPB investigation into LexisNexiss systematic FCRA compliance failures and their impact on downstream credit reporting accuracy affecting millions of consumers.

Company response to consumer: Closed with explanation