Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX LexisNexis XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX RE : FORMAL DISPUTE - ACCOUNT # XXXX XXXX XXXX  REFERENCE NUMBER : XXXX : XXXX NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION TO WHOM IT MAY CONCERN : This letter serves as formal notice of dispute pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( FCRA ), and demand for immediate correction and permanent removal of inaccurate, unverifiable, incomplete, and outdated information contained in your Current Carrier database report dated XX/XX/year>. 
I. VIOLATIONS OF FCRA SECTION 607 ( b ) - REASONABLE PROCEDURES Your organization has systematically failed to maintain reasonable procedures to assure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). The following violations demand immediate correction : A. TEMPORAL IMPOSSIBILITY AND LOGICAL INCONSISTENCIES VIOLATION : Your report contains logically impossible data that violates basic temporal integrity : Policy Inception Date : XX/XX/year> Policy Cancellation Date : XX/XX/year> Report Search Date : XX/XX/year> LEGAL DEFICIENCY : Your system reports a policy as CANCELLED on XX/XX/year>, yet this search was conducted on XX/XX/year> - five months before the alleged cancellation date. This temporal impossibility constitutes a wholesale failure of reasonable procedures under FCRA XXXX ( b ). 
DEMAND : Permanent removal of all entries containing temporally impossible data. 
B. SYSTEMATIC IDENTIFICATION VERIFICATION FAILURES VIOLATION : All five ( 5 ) subjects in your report show XXXX for Social Security Number fields : Subject # XXXX : XXXX XXXX - XXXX : XXXX Subject # XXXX : XXXX XXXX - XXXX : XXXX Subject # XXXX : XXXX XXXX - XXXX : XXXX Subject # XXXX : XXXX XXXX - XXXX : XXXX Subject # XXXX : XXXX XXXX - XXXX : XXXX LEGAL DEFICIENCY : This systematic absence of valid identification data violates FCRA 607 ( b ) reasonable procedures for consumer identification and creates substantial risk of mixed file violations under FCRA 623 ( a ) ( 1 ). 
DEMAND : Permanent removal of all entries lacking proper consumer identification verification. 
C. MIXED FILE VIOLATIONS VIOLATION : Your report shows five ( 5 ) separate individuals with identical policy number XXXX but different : Birth dates ( ranging from XXXX to XXXX ) Gender markers ( both Male and Female ) Drivers license information LEGAL DEFICIENCY : This commingling of consumer information violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements and creates mixed file conditions prohibited under established FCRA precedent. 
DEMAND : Permanent removal of all mixed file entries and implementation of proper consumer separation procedures. 
II. METRO 2 COMPLIANCE VIOLATIONS AND XXXX STANDARDS A. METRO 2 FORMAT VIOLATIONS VIOLATION : The reported data fails to comply with Metro 2 Data Reporting Standards established by the XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ) requirements : 1. Field 4 ( Social Security Number ) - Your XXXX entries violate Metro 2 standards requiring valid SSN formatting or proper blank field protocols 2. Field 13 ( Date of Birth ) - Inconsistent date formats and mixed consumer data violate XXXX  identification standards XXXX. Field XXXX ( Date Closed ) - Future-dated closure violates temporal data integrity requirements under Metro 2 specifications LEGAL DEFICIENCY : Failure to adhere to industry-standard Metro 2 formatting constitutes systematic reasonable procedures violations under FCRA 607 ( b ). 
B. XXXX XXXX XXXX XXXX XXXX ( XXXX ) VIOLATIONS VIOLATION : Your reporting fails XXXX standards for proper consumer identification and data association : Multiple consumers incorrectly associated with single account number Insufficient identification data to establish proper consumer matching Violation of XXXX protocols for preventing mixed file conditions DEMAND : Implementation of proper XXXXcompliant consumer identification procedures and removal of all non-compliant entries. 
III. E-OSCAR VERIFICATION REQUIREMENTS MANDATORY E-OSCAR DOCUMENTATION DEMAND Pursuant to FCRA 611 ( a ) ( 1 ) ( A ) and established E-OSCAR ( Electronic Online Solution for Complete and Accurate Reporting ) protocols, you are hereby REQUIRED to provide the following verification documentation : A. REQUIRED E-OSCAR DISPUTE PROCESSING EVIDENCE : 1. Complete E-OSCAR dispute transmission records showing : Date and time of dispute transmission to Imperial Fire and CA Automated Data Processing ( ADP ) codes used Consumer Dispute Verification ( CDV ) forms transmitted Universal Data Form ( UDF ) documentation 2. Furnisher Response Documentation including : Complete E-OSCAR response received from Imperial Fire and CA Investigation completion codes and status indicators Any supporting documentation provided by furnisher Verification of accuracy certifications B. METRO 2 COMPLIANCE VERIFICATION : 1. Original data submission records showing : Metro 2 base and update segments as originally reported Date stamps and transmission logs Field-by-field data validation records Consumer matching algorithm results 2. Data integrity verification demonstrating : How temporal impossibilities passed validation controls Consumer identification matching procedures used Quality control measures that failed to detect violations C. REASONABLE INVESTIGATION PROCEDURES : DEMAND FOR DISCLOSURE : Under FCRA 611 ( a ) ( 5 ) ( A ), provide detailed description of your reasonable investigation procedures including : Steps taken to verify disputed information with furnisher Documentation reviewed during reinvestigation process Criteria used to determine accuracy of challenged data Personnel qualifications and training records for investigators FAILURE TO PROVIDE E-OSCAR VERIFICATION CONSTITUTES FCRA 611 VIOLATIONS IV. VIOLATIONS OF YOUR OWN PUBLISHED STANDARDS Your organizations own documentation states that Current Carrier reports provide updated insurance information based on policies active within the last seven years. Your report systematically violates these published standards : VIOLATION : Reporting future-dated policy cancellations contradicts your stated methodology for determining policy status and temporal reporting windows. 
LEGAL DEFICIENCY : Failure to adhere to your own published reasonable procedures constitutes willful non-compliance under FCRA 616. 
V. FCRA SECTION 611 DISPUTE REQUIREMENTS Pursuant to 15 U.S.C. 1681i, you are hereby notified that the above-described information is DISPUTED as : 1. INACCURATE - Contains temporally impossible dates 2. UNVERIFIABLE - Lacks proper consumer identification data XXXX. INCOMPLETE - Missing critical policy verification information 4. OUTDATED - Based on logically inconsistent temporal data 5. NON-COMPLIANT - Violates Metro 2, XXXX, and XXXX standards You are required to : Conduct a reasonable reinvestigation within thirty ( 30 ) days Forward this dispute to Imperial Fire and CA via E-OSCAR system Provide complete E-OSCAR transmission and response documentation PERMANENTLY DELETE all disputed information that can not be verified as accurate Provide written results of your reinvestigation with supporting documentation VI. FCRA SECTION 623 FURNISHER VIOLATIONS Imperial Fire and CA, as a furnisher of information, has violated FCRA 623 ( a ) ( 1 ) by providing you with information that is not accurate and fails to comply with Metro 2 reporting standards. The temporal impossibilities and identification deficiencies constitute systematic furnisher violations requiring immediate correction. 
VII. FDCPA COMPLIANCE REQUIREMENTS To the extent your organization engages in debt collection activities related to this insurance information, you are hereby notified that any use of inaccurate, unverifiable, or incomplete information violates the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. 
VIII. DEMANDS FOR COMPLIANCE IMMEDIATE ACTIONS REQUIRED : 1. PERMANENT DELETION of all entries containing temporal impossibilities 2. PERMANENT DELETION of all entries lacking proper SSN verification 3. PERMANENT DELETION of all mixed file entries violating XXXX standards 4. COMPLETE E-OSCAR VERIFICATION PACKAGE as detailed in Section III 5. METRO 2 COMPLIANCE CERTIFICATION with corrective action plan 6. WRITTEN CONFIRMATION of deletions within thirty ( 30 ) days 7. CORRECTED REPORT reflecting all deletions and compliance measures 8. NOTIFICATION to all parties who received inaccurate information within the past two ( 2 ) years IX. VERIFICATION STANDARDS ANY CONTINUED REPORTING must be supported by : Compliant Metro 2 formatted data submissions Proper XXXX consumer identification protocols Complete E-OSCAR verification documentation Temporal data integrity validation Furnisher accuracy certifications under FCRA 623 ( a ) ( 1 ) UNVERIFIED INFORMATION MUST BE PERMANENTLY DELETED X. LEGAL NOTICE BE ADVISED : Failure to comply with this dispute within the statutory timeframe may result in : FCRA violations under 15 U.S.C. 1681n ( willful non-compliance ) FCRA violations under 15 U.S.C. 1681o ( negligent non-compliance ) Metro 2 compliance violations with industry sanctions E-OSCAR system abuse violations Statutory damages up to {$1000.00} per violation Actual damages for harm caused Attorneys fees and costs under FCRA 616 ( a ) ( 3 ) Punitive damages for willful violations XI. PRESERVATION OF RIGHTS This dispute does not waive any legal rights or remedies available under federal or state law. All rights are expressly reserved, including claims for systematic FCRA violations, Metro 2 non-compliance, and E-OSCAR verification failures. 
XII. RESPONSE REQUIREMENTS RESPOND IN WRITING WITHIN THIRTY ( 30 ) DAYS to : XXXX XXXX XXXX XXXX XXXX XXXX Your response must include : Written results of reinvestigation Complete E-OSCAR verification package as specified Metro 2 compliance documentation Corrected report with all deletions Confirmation of notifications sent to furnishers List of all parties notified of corrections Supporting documentation for any continued reporting FAILURE TO PROVIDE COMPLETE E-OSCAR VERIFICATION AND METRO 2 COMPLIANCE DOCUMENTATION CONSTITUTES CONTINUED FCRA VIOLATIONS AND INDUSTRY STANDARD VIOLATIONS. 
DATED : XX/XX/year> XXXX XXXX

Company response to consumer: Closed with explanation