Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Against LexisNexis and XXXX XXXX XXXX XXXX for Violations of the Fair Credit Reporting Act ( FCRA ) Case Number XXXX To Whom It May Concern, I am filing this formal complaint against LexisNexis Risk Solutions and XXXX XXXX XXXX XXXX ( XXXX XXXX ) for violations of the Fair Credit Reporting Act ( FCRA ) related to their failure to properly verify, investigate, and remove inaccurate information from my consumer report. 

Complaint Overview : 1. LexisNexis failed to provide legally required verification under FCRA 611 in response to my dispute regarding negative information furnished by XXXX XXXX. 
2. LexisNexis refused to disclose the identity of the verifying entity or furnish proof of verification, in direct violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

3. LexisNexis did not remove unverified information as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ), despite XXXX XXXX data being the subject of an ongoing legal dispute. 
XXXX. XXXX XXXX violated FCRA 623 by failing to conduct a reasonable investigation, continuing to furnish disputed data without proof of accuracy.

Detailed Violations 1. LexisNexis Failed to Disclose the Data Furnishers Identity & Verification Methodology Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), when a consumer disputes an item on their report, the consumer reporting agency must disclose : The name, address, and phone number of the data furnisher. 
A description of the procedure used to verify the disputed information. 

LexisNexis did not provide this required information when I requested it. Instead, I received a generic response stating that the data had been verified without any supporting evidence. 



2. Failure to Conduct a Reasonable Reinvestigation Under FCRA 611 FCRA 611 ( a ) ( 1 ) ( A ) requires LexisNexis to conduct a reasonable reinvestigation of any disputed information. 
I requested verification of XXXX XXXX  reporting, but LexisNexis failed to provide any proof of a legitimate investigation. 
There is no evidence that LexisNexis did anything beyond accepting an automated response from XXXX XXXX. 

This failure to conduct a reasonable reinvestigation violates federal law and directly harms my financial standing. 



XXXX. Failure to Remove Unverified Information ( FCRA 611 ( a ) ( 5 ) ( A ) ( i ) ) If a consumer reporting agency can not verify disputed information, it must be deleted from the report within 30 days.

Since LexisNexis did not provide any verification records, the data should have been removed immediately.

By continuing to report this unverified and disputed information, LexisNexis has violated the FCRA and caused me financial harm.

4. ESL Federal Credit Unions Violation of FCRA 623 Furnishing Inaccurate Data As a data furnisher, XXXX XXXX has a legal obligation under FCRA 623 to report only accurate information and conduct a reasonable investigation when a dispute is filed. 
XXXX XXXX failed to provide any proof of accuracy in response to my dispute. 
They continue to furnish inaccurate data, despite being involved in an ongoing arbitration case ( XXXX XXXX XXXX. XXXX ) regarding these violations. 



Harm Caused to Me as a Consumer Due to these violations, I have suffered the following damages : Denied credit opportunities due to inaccurate and unverified negative reporting. 
Financial hardship resulting from LexisNexiss failure to remove false information. 
Legal costs incurred in fighting these violations through arbitration and regulatory complaints. 



Requested CFPB Action I am formally requesting that the CFPB take immediate enforcement action against LexisNexis and XXXX XXXX for these violations, including : 1. Ordering LexisNexis to immediately remove the unverified negative data furnished by XXXX XXXX. 
2. Ordering LexisNexis to provide a full disclosure of the verification process used.

3. Mandating that XXXX XXXX cease furnishing inaccurate data and provide documented proof of any future reporting. 
XXXX. Imposing fines and statutory penalties on both LexisNexis and XXXX XXXX for willful violations of the FCRA. 



Supporting Documentation I have attached the following evidence to support my complaint : LexisNexis dispute response ( XXXX XXXX. XXXX ) showing lack of proper reinvestigation. 
Previous dispute letters submitted to LexisNexis and XXXX XXXX. 
XXXX case details ( XXXX XXXX XXXX. XXXX ) proving ongoing legal action. 

I expect the CFPB to investigate this matter promptly and take appropriate regulatory action. Please confirm receipt of this complaint and provide a timeline for resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX

Company response to consumer: Closed with explanation