Consumer complaint received 2025-08-29 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: WA

Complaint narrative:
To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against LexisNexis and XXXX for persistent and repeated violations of federal law. Over XXXX  days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. 
Violations Committed by THE BUREAUS : 15 U.S.C. XXXX ( FCRA XXXX ( b ) ) : Failure to maintain maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate consumer disputes within the statutory XXXXday timeframe. 
FCRA XXXX ( a ) ( XXXX ) : Failure to conduct reinvestigations and provide findings. 
15 U.S.C. XXXXg : Failure to notify the consumer of alleged debts within the required timeframe. 
Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) : Failure to adequately safeguard consumer personal information. 
XXXX XXXX. XXXX : Identity theft and unauthorized misuse of personal data. 
15 U.S.C. XXXX ( XXXX ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. 
Metro2XXXX Violations : Noncompliance with established industry reporting standards. 
Florida Criminal Statutes : Violations relating to identity theft and consumer fraud. 
FDCPA XXXX XXXX. XXXX ( b ) : Failure to respond to validation requests within XXXX  days. 
Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXXXX XXXX : XXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) Account Number : XXXX- Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXXXX XXXX  : XXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX  BANK ) Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXXXX XXXX : XXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX  BANK ) Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXXXX XXXX : XXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
XXXX BANK XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXXXX XXXX  : XXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
XXXX BANK XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX ( b ), XXXX ( a ) Metro 2 XXXX formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
BANK XXXX XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXXXX XXXX  : XXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
BANK XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXXXX XXXX  : XXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
XXXX XXXX Account Number : XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXXXXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring prompt blocking of fraudulent information DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute CXXXXe XXXX Fraudulent, and permanently suppressed under automated fraud deletion protocols, in full compliance with federal and Washington law. 
XXXX XXXX XXXX Account XXXX Violations : FCRA : XXXX ( b ), XXXX ( a ), XXXX, XXXX ( b ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) FDCPA : XXXX ( a ), XXXX ( b ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( b ), XXXX ( a ) Metro 2 : formatting and accuracy violations Washington Fair Credit Reporting Act ( XXXX ) : XXXX XXXX, XXXX prohibiting furnishing information known or that should be known to be inaccurate Washington Consumer Protection Act ( CPA ) : XXXX XXXX, XXXX prohibiting unfair or deceptive acts or practices Identity Theft Protections : XXXX XXXX requiring blocking of fraudulent information DEMAND : Immediate removal of all late payments under FCRA XXXX, XXXX XXXX, and XXXX XXXX due to inaccurate reporting and multiple violations of law. This account must be corrected immediately, flagged under Dispute CXXXXe XXXX Late Payment History Dispute, and processed through your structured automation logic to ensure deletion or correction of all unverifiable or incorrect late payment statuses in full compliance with federal and Washington law. 
Unfamiliar or Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Demand : Immediate removal of these incorrect addresses under FCRA XXXX XXXX b ), XXXX ( a ), XXXX XXXX ( Washington Fair Credit Reporting Act prohibiting furnishing inaccurate or incomplete information ), XXXX XXXX XXXX Washington Consumer Protection Act prohibiting unfair or deceptive acts ), and XXXX XXXX ( requiring reasonable procedures to ensure maximum possible accuracy ), as they are materially inaccurate and could cause identity confusion or fraudulent association. 

Incorrect Employer : NOT APPROPRIATE FUNDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHCOOL NOT APPROPRIATED FUN Demand : Immediate removal of these incorrect employer under FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX ( Washington Fair Credit Reporting Act prohibiting furnishing inaccurate or incomplete information ), XXXX XXXX ( Washington Consumer Protection Act prohibiting unfair or deceptive acts ), and XXXX XXXX ( requiring reasonable procedures to ensure maximum possible accuracy ), as they are materially inaccurate and could cause identity confusion or fraudulent association. 
Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate removal of these incorrect names under FCRA XXXX ( b ), XXXX ( a ), XXXX XXXX ( Washington Fair Credit Reporting Act prohibiting furnishing inaccurate or incomplete information ), XXXX XXXX ( Washington Consumer Protection Act prohibiting unfair or deceptive acts ), and XXXX XXXX ( requiring reasonable procedures to ensure maximum possible accuracy ), as they are materially inaccurate and could cause identity confusion or fraudulent association. 
Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed.

Immediate deletion of all unauthorized hard inquiries. 
Correction of all inaccurate personal information, including addresses, employers, and names. 
Provision of updated credit reports from all three bureaus confirming these corrections. 
Implementation of statutory identity theft protections, including fraud alerts. 
Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. 
Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. 
Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief