Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
Subject : Notice of Dispute and Intent to File Arbitration Inclusion of Dismissed XXXX Dear LexisNexis Consumer Center, I am writing to formally dispute the inclusion of two XXXX records in my LexisNexis consumer report. These records are misleading, potentially inaccurate, and violate my rights under the Fair Credit Reporting Act ( FCRA ). The details of the disputed XXXX  are as follows : XXXX  Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX XXXX Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Reasons for Dispute : Dismissed XXXX Are Misleading : Both XXXX cases were dismissed, meaning there was no discharge of debts or continuation of proceedings. Including these records in my report without proper context misrepresents my financial status and negatively impacts my creditworthiness. 
Accuracy of Reporting : Under FCRA ( 607 ( b ) ), LexisNexis must ensure maximum possible accuracy in reporting consumer information. Reporting dismissed XXXX without adequate explanation or justification fails to meet this standard.

Permissible Purpose and Disclosure : If this information was disclosed to third parties without my explicit consent or a permissible purpose as required by FCRA ( 604 ), this constitutes a violation of my rights. 
Emotional Distress and Harm : The continued inclusion of inaccurate and misleading information has caused me significant emotional distress, as well as harm to my financial and professional reputation. 
XXXXexisNexiss Legal History : I am aware of the Class Action Lawsuit ( 2017 ), in which LexisNexis Risk Solutions was accused of reporting inaccurate XXXX details in credit reports. Plaintiffs alleged that LexisNexis reported incorrect XXXX  statuses, adversely affecting their creditworthiness. This demonstrates a pattern of inadequate practices in reporting XXXX data, further supporting my claim that my consumer report contains similar inaccuracies.

Requested Actions : Verification : Provide documentation verifying the accuracy and legality of including these dismissed XXXX in my report.

Correction/Removal : If you can not verify the accuracy and appropriateness of including these records, promptly remove them from my report.

Compensation : I am seeking {$5000.00} to resolve this matter due to the violations of my rights under FCRA and the emotional distress caused by the inaccurate reporting.

Disclosure of Recipients : Provide a list of all third parties who have accessed my consumer report containing the disputed information.

Intent to File Arbitration : If LexisNexis fails to resolve this matter within the 30 days allotted under the FCRA or refuses to remove these inaccurate entries and provide compensation, I will pursue arbitration under the terms of your service agreement.

I am aware that arbitration proceedings will cost LexisNexis significantly more than {$5000.00}, including lawyer fees, arbitration filing costs, and other related expenses. Resolving this matter promptly and fairly would be a more cost-effective and equitable solution for all parties involved.

Preferred Communication Method : I request that all correspondence related to this matter be sent to me via email at XXXX or by mail to my address listed above. I will not communicate over the phone, as I prefer to have everything in writing for my records. 

This Is Not a Joke : Please understand that I take this matter very seriously, and I expect LexisNexis to do the same. Any further delays or failure to address this dispute appropriately will result in legal action, including arbitration. 

Supporting Documentation : I have included the following to assist your investigation : A copy of my LexisNexis report with the disputed XXXX  highlighted. 
A copy of my government-issued ID for verification purposes. 

Please respond in writing within 30 days, as required by law, to confirm the resolution of this matter or provide evidence supporting the continued inclusion of these records. Failure to act promptly will leave me no choice but to escalate this matter to arbitration. 

Thank you for your immediate attention to this dispute.

Company response to consumer: Closed with non-monetary relief