Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
I am writing to express my serious concern regarding LexisNexis 's current data practices that may be causing material harm to my interests. Specifically, I have reason to believe that LexisNexis is maintaining and distributing inaccurate or fraudulent information about me through its data repositories and commercial reporting services.

This situation presents two critical issues : First, the potential storage and dissemination of erroneous data creates ongoing reputational and financial risks that compound over time as this information is accessed by third parties for background checks, credit decisions, and other evaluative purposes. Second, LexisNexis 's current system does not provide me with adequate means to promptly access, review, and verify the accuracy of my personal information stored in your databases through and online medium as I'm blocked because I live and work abroad.

The complaint details LexisNexiss pattern of noncompliance, specifically its obstruction of online report access. I submitted a request via the LexisNexis Request and Receive Your Consumer Disclosure Report Online form on XXXX. I received a response stating, Your request has been received. You will receive a message via US Mail within the timeframe allowed by law If you do not receive a message via US Mail within 10 days, contact LexisNexis Consumer Center at XXXX. The issue is that LexisNexis failed to provide immediate electronic access to my report, which contains my most sensitive and private information. I'm a being discriminated against because of my location. 

I reference a separate XXXX XXXX XXXX  CFPB complaint on XX/XX/XXXX under CFPB ComplaintID No. XXXX. That complaint against XXXX XXXX for FCRA/CFPA violations was resolved on XX/XX/XXXX with the removal of manifest errors. XXXX stated to the CFPB that, " We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. '' I fear that LexisNexis is and has been for a long time storing fraudulent data on me to third parties and making a profit while doing serious harm to me. 

I live and work abroad and can not access any of LexisNexis 's online solutions. I am presented with a " XXXX Error - The Request Could Not be Satisfied... the distribution has been configured to block access from this country. '' This is discriminatory, especially given that your parent company, XXXX XXXX, is a XXXX XXXX  information and analytics company headquartered in XXXX, XXXX. 

I need to visually verify all information LexisNexis has on my file, including all alternative information. I need immediate access to my data. This urgency is critical due to the recent data breach at LexisNexis Risk Solutions. A data breach discovered in XX/XX/XXXX exposed the personal information of over XXXX individuals, including names, contact information, Social Security numbers, and driver 's license numbers. This breach resulted from unauthorized access to a third-party software development platform on XX/XX/XXXXXXXX  I am being harmed and demand to have my LexisNexis file emailed to me immediately at my registered email address. This is the same email address I have registered with the CFPB and the same email address LexisNexis has used to correspond with me in the past regarding information suppression matters. LexisNexis must remove and delete all of my data from third-party entities they use to do business with and data available through real-time gateways, news, and legal documents, as third-party data is where hackers often attack first. I refuse to wait 10 business days for a letter from Lexis-Nexis and then another 20 business days for it to arrive at my XXXX location. I demand a digital copy of my file sent to my registered email address. 

I have called LexisNexis, and a representative refused to read aloud all variations of personal information contained within my file or confirm insufficient or inaccurate information LexisNexis may have stored and is selling without my consent. I demand a copy sent to my registered email so I can visually verify my own information. 

Your data breach has potentially exposed my most private and sensitive data to malicious threat actors. On XX/XX/XXXXXXXX XXXX notified me of a potential fraud. On XX/XX/XXXX, through the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I was informed my data was in the XXXX XXXX XXXX XXXXeach. My data was also in the XXXX XXXX data breach. I need to visually verify the information LexisNexis has aggregated on me and is potentially selling for profit without my consent. Send a copy of this information to my registered email immediately. This is urgent as I have been harmed and continue to be harmed every day I must wait to verify my own information. 

LexisNexiss own U.S. Consumer Privacy Notice states, " We sell, and have sold in the preceding 12 months, each of the following categories of personal information to our customers including insurance companies, financial institutions, government agencies, healthcare institutions, collections and recovery agencies, and other third parties such as advertising networks, internet service providers, data analytics providers, operating systems and platforms, social networks, and entities associated with consumer reporting agencies. '' I never consented to the gathering and selling of my data, especially potentially fraudulent data by LexisNexis or any of its subsidiaries. 

I demand immediate action to rectify these issues and provide the requested electronic disclosure of my complete file.

Company response to consumer: Closed with explanation