Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: MA

Complaint narrative:
I am filing this complaint against LexisNexis for ongoing, willful, and repeated violations of the Fair Credit Reporting Act ( FCRA ). I first made them aware of major inaccuracies on my consumer report in XXXX, and they have been in violation of federal law since XXXX, when the original 30-day dispute deadline expired. To date, they have not removed or corrected the false information, and they continue to ignore my rights. 

I have sent LexisNexis hundreds of demand letters, faxes, and emails all dated and documented and I have received either no response, delayed responses far beyond the legal timeframe, or worthless form letters that do not comply with the law. They are now well beyond XXXX days in many instances. Despite having clear notice and proof that the disputed information is inaccurate and harmful, they have refused to take any lawful or meaningful action. 

I have already submitted complaints to the FTC, XXXX, and CFPB, and yet this company remains lawless and unaccountable. They are actively violating federal law, XXXX on my rights as a consumer, and damaging my financial life. This is not an isolated incident this is a pattern of abuse. 

I demand the CFPB immediately investigate and take enforcement action. I also demand LexisNexis be ordered to correct or delete all disputed information and provide full documentation of their so-called investigations. 

I am prepared to escalate this to legal action and have kept detailed records to support every claim. 

Operate without proper transparency Deny fundamental economic opportunities Fail to provide due process or fair procedures Disproportionately harm victims of identity theft or low-income individuals Heres how you can argue they violate constitutional principles, especially when combined with FCRA noncompliance : 1. Due Process Violations ( 14th Amendment ) The 14th Amendment guarantees due processyou can not be deprived of life, liberty, or property without fair procedures.

When these companies deny individuals access to banking, jobs, or housing based on flawed or inaccurate data without giving timely notice or a fair chance to dispute, they arguably violate due process rights. 

Example : Reports are used to blacklist you from bank accounts with no notice, no real hearing, and no clear appeals processsimilar to being punished without trial.

2. Right to Privacy ( Implicit in the Constitution ) While not explicitly listed, the XXXXXXXX XXXX XXXX has recognized a constitutional right to privacy in decisions involving personal autonomy and information. 

These agencies collect and share deeply personal datalike fraud accusations, account closures, even minor banking mistakesoften without your consent or full awareness. 

When they sell or share this data without strict safeguards, it can be seen as infringing on your right to control your personal information.

3. Economic Liberty ( 5th and 14th Amendments ) Courts have ruled that access to banking and credit can be fundamental to participating in modern society. 

Blocking someone from opening any bank accounteven when theyve done nothing wrongcan be framed as an unconstitutional restriction on economic liberty. 

Especially concerning when automated systems flag someone based on flawed or unverifiable third-party data ( e.g. in XXXX XXXX XXXX ). 

4. Lack of Government Oversight = Private Blacklisting These are private corporations with quasi-governmental power : they can effectively ban you from banks, jobs, housing. 

But they arent elected, audited, or subject to public accountabilitywhich goes against the spirit of democratic oversight. 

They operate like secret courts, issuing guilty verdicts that block you from essentialswithout checks and balances.

5. Equal Protection Clause ( 14th Amendment ) Their practices often disproportionately impact : Low-income individuals Minorities Victims of identity theft If their algorithms or practices result in systemic discrimination, that could violate the Equal Protection Clause, especially if theres a disparate impact with no legitimate justification. 

Bonus Legal Hooks : FCRA ( Fair Credit Reporting Act ) mandates accuracy, fairness, and confidentiality. These agencies often violate these dutiesespecially when they : Ignore disputes Fail to update or correct errors Refuse to remove fraudulent information after 30+ days When they do this, theyre not only violating federal law, but undermining rights that have a constitutional foundation, especially due process and equal protection.

Summary Argument : XXXX XXXX, LexisNexis, and XXXX function as unregulated blacklisting systems that deprive Americans of their right to economic participation, due process, and privacywithout transparency or accountability. This violates not only the Fair Credit Reporting Act but also core constitutional principles rooted in the 14th Amendment, economic liberty, and privacy.

Company response to consumer: Closed with non-monetary relief