Consumer complaint received 2025-12-09 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:
I am a XX/XX/XXXX resident and a recent victim of identity theft. Multiple fraudulent and inaccurate tradelines continue to appear on myXX/XX/XXXXcredit file despite my repeated disputes and submission of extensive documentation, including government identification, proof of address, an FTC identity theft report, and supporting documents from creditors such as XXXX and XXXX XXXX XXXX XXXX. These items do not belong to me, yetXX/XX/XXXX repeatedly marks them as verified even when I provide clear proof of fraud. Because of this pattern, I believe LexisNexis is playing a direct role in supplying inaccurate data toXX/XX/XXXX and enabling these ongoing reporting failures. 

Based on the responses I have received and my own research, LexisNexis Risk Solutions appears to act as a consumer reporting agency and data management company that provides underlying identity and account-level data toXX/XX/XXXX. It appears that LexisNexis is maintaining and furnishing incorrect personal information and identity-linked data about me and that XX/XX/XXXX is relying on this flawed information as the basis for verification, rather than conducting a meaningful investigation of the documents I submit. This means that even when I dispute fraudulent accounts, XX/XX/XXXX essentially checks the same inaccurate LexisNexis data and declares the information verified, instead of performing a lawful reinvestigation. 

I believe this conduct violates my rights under federal law, specifically the Fair Credit Reporting Act, including my right to have identity-theft information blocked, my right to receive a full file disclosure, my right to a reasonable reinvestigation of disputes, and the requirement that furnishers correct inaccurate information once they are notified of a dispute. I also believe these actions violate XX/XX/XXXX law. As aXX/XX/XXXX consumer, I am protected by theXX/XX/XXXXa Identity Theft Protection Act and related consumer protection laws. These laws require proper handling of identity-theft information, prohibit the use and re-reporting of information that is known to be inaccurate, and classify unfair or deceptive practices related to credit reporting and consumer data handling as violations ofXX/XX/XXXX Unfair and Deceptive Trade Practices Act. By continuing to maintain and use inaccurate identity data about me, and by repeatedly declaring fraudulent information verified, both LexisNexis andXX/XX/XXXX are engaging in conduct that I believe violates these state protections. 

I am also concerned about possible improper reinsertion of fraudulent information. In several cases, items have been removed or suppressed after disputes, only to reappear later. If XX/XX/XXXX is pulling updated feeds from LexisNexis and reintroducing previously disputed information without following federal reinsertion procedures, then LexisNexis is effectively enabling repeated violations by continuing to supply inaccurate identity-theft-related data. Both companies have been repeatedly put on notice that these items are fraudulent, yet the same harmful information continues to circulate. 

This situation is causing ongoing and significant harm. These inaccurate entries are damaging my credit profile, making it difficult to access credit, and causing severe stress for me and my family. As a XXXX veteran living inXX/XX/XXXX I especially rely on the accuracy of my credit report to maintain financial stability, and it is distressing to be repeatedly harmed by the same data errors that are not being corrected despite clear evidence.

Company response to consumer: Closed with non-monetary relief