Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: OH

Complaint narrative:
Attention consumer, it is crucial that you are aware of fraudulent credit reporting that may be affecting your credit profile. There have been accounts of fraud reported, including two XXXX accounts and one XXXX  account. As a consumer agency, it is your duty to block these companies from reporting on credit profiles according to the Fair Dept Practice Act. The individual in question, XXXX XXXX XXXX, has been a victim of this fraudulent activity, as shown in the attached document. Immediate action must be taken to remove and block these accounts from his credit profile. Failure to do so may result in legal consequences for those responsible for false credit reporting. The XXXX and upgrade accounts must be removed within the next thirty days to avoid any further complications. Let us all work together to protect consumers from fraudulent credit reporting. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claims.

I also want to remind you of the following laws : * - 15 U.S. Code 1692g : Validation of Debts * - 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance * - LII U.S. Code Title 15 CHAPTER XXXX SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

( e ) Advisory opinions of Bureau 813. Civil liability No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason. 

I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX XXXX XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.

* Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. 
XXXX major Credit Bureau is removing these accounts. 

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Company response to consumer: Closed with explanation