Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: UT

Complaint narrative:
Demand for Complete LexisNexis Consumer File Disclosure FCRA 1681g ( a ) / FTC Act / GLBA / UCPA On 8/13/2025, I lawfully requested my complete consumer file disclosure under the Fair Credit Reporting Act ( FCRA 1681g ( a ) ), the Federal Trade Commission Act, the Gramm-Leach-Bliley Act ( GLBA ), and the Utah Consumer Privacy Act ( UCPA ) from LexisNexis Risk Solutions. 

I am attaching a copy of my government-issued identification, which contains my prior address that matches the address LexisNexis currently has on record. This is sufficient to verify my identity under FCRA 1681e ( b ). 

I am requesting that CFPB compel LexisNexis to disclose every category of information they maintain, without limitation or omission, including but not limited to : All tradelines current, closed, archived, suppressed, and phantom accounts not displayed in standard consumer disclosures. 

Complete identifier history all addresses, prior names, aliases, date of birth records, and linked profiles. 

Public record data bankruptcies, liens, judgments, evictions, UCC filings, court records, and criminal records. 

All inquiries hard, soft, prescreen, promotional, suppressed, and internal inquiry logs.

Risk & behavioral scores all score versions, reason codes, and model descriptions ( fraud, identity, and creditworthiness assessments ). 

Data from and shared with affiliates including XXXX XXXX, XXXX, XXXX, and other secondary or specialty CRAs. 

Suppression logs showing why any tradeline, inquiry, or record is hidden from public disclosure. 

Linked person & household associations co-applicants, joint account holders, association profiles. 

Archived disputes & results all past disputes, the disputed data, the source of verification, and the final action taken. 

Adverse action or high-risk markers any internal flags affecting creditworthiness or access to financial products. 

Affiliate & Database Coverage This request covers all databases, products, and affiliated consumer reporting entities owned, operated, or controlled by LexisNexis Risk Solutions and its parent company XXXX, including but not limited to : 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 Linking System Lien, Judgment, & Asset databases Any archived or retired LexisNexis database containing consumer-identifiable data This includes current, historical, suppressed, phantom, and archived data in any form, whether or not such data is typically included in standard consumer disclosure reports.

This request is made under FCRA 1681g ( a ), the FTC Act, the Gramm-Leach-Bliley Act, and the XXXX  Consumer Privacy Act , all of which require a consumer reporting agency to provide all information in the consumers file at the time of the request. 

Warning : Any omission, partial disclosure, redaction, or withholding of categories whether intentional or by policy will constitute a willful violation of the above laws and will be reported immediately to CFPB as a separate enforcement complaint. This includes failing to disclose suppressed accounts, phantom data, or affiliate bureau records. 

Certification Requirement : I request that CFPB require LexisNexis to certify under penalty of perjury that the disclosure provided in response to this request is complete, unredacted, and includes all categories, affiliates, and databases listed above.

I am also asserting my right under FCRA 1681i ( a ) to have LexisNexis delete or correct any information that can not be verified, is inaccurate, or is incomplete once I receive my full file. 

I request that CFPB ensure LexisNexis provides this information without delay and without requiring unnecessary or burdensome additional verification steps, as this is a lawful and verified request.

Company response to consumer: Closed with explanation