Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against XXXX and LexisNexis for persistent and repeated violations of federal law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. XXXX XXXX  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 XXXX XXXX : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe.

FCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings.

15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.

18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.

15 U.S.C. 1681g ( e ) : 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 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days.

Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. XXXX XXXX XXXX  Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX  Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX  XXXX  ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX. XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) DEMAND : Immediate deletion and blocking under FCRA 1681c-2. 
XXXX XXXX XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) Metro 2 : Reporting format violations FL Law : Fla. Stat . 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) This child support account is reporting numerous inconsistencies and potential violations of both federal and Florida consumer protection laws. First, the account shows materially different balances across XXXX XXXX : {$15000.00} with XXXX, and {$13000.00} with both XXXX  and XXXX, which constitutes inaccurate reporting under 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ). Additionally, the monthly payment is listed as {$0.00} with XXXX  and XXXX, yet XXXX  reports {$800.00}, suggesting a reporting inconsistency that may misrepresent my financial obligations. The account also shows a different date opened across bureausXXXX  reports XX/XX/2024, while XXXX  and XXXX  report XXXXanother violation of the FCRAs accuracy requirement. The past due amount and payment status also vary : XXXX  shows Late 120 Days, while XXXX  and XXXX  list it as Collection/Chargeoff. These inconsistencies violate FCRA 1681e ( b ), which requires furnishers to report data with maximum accuracy. Under Florida Statute 559.72, part of the Florida Consumer Collection Practices Act ( FCCPA ), furnishing false or misleading credit information is also unlawful. Furthermore, XXXX  reports no months ( XXXX terms ) on an installment account, which contradicts its classification and adds to the misrepresentation. I am requesting an immediate investigation, correction, or removal of this account for failure to comply with FCRA and FCCPA obligations, including inconsistent reporting, misclassification, and materially inaccurate data. 
Fraudulent Inquiries to Remove 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 Incorrect Employer : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Incorrect Names : XXXX, XXXX, XXXX 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 XXXX XXXX  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