Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions, a consumer reporting agency ( CRA ), to request verification and validation of all insurance policies and claims listed in my LexisNexis Consumer Disclosure Report ( dated XX/XX/XXXX, Consumer Number XXXX, Case Number XXXX ). I am concerned about the accuracy of the reported data, particularly given an active identity theft alert placed on XX/XX/XXXX ( Page XXXX ), which suggests potential inaccuracies or fraudulent activity. I believe LexisNexis may not have followed reasonable procedures to ensure the accuracy of this information, potentially violating FCRA 607 ( b ), and has not adequately addressed the identity theft issue under FCRA 605B.

Issue Description The LexisNexis report lists three auto insurance
policies in the Insurance Policy Records section ( Page XXXX ) : XXXX XXXX  : Policy Number XXXX, XXXX XXXXXX/XX/XXXX, Canceled XX/XX/XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

XXXX XXXX : Policy Number XXXX, Inception XX/XX/XXXX, Expired XX/XX/XXXX, Address XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX : Policy Number XXXX, Inception XX/XX/XXXX, Canceled XX/XX/XXXX, Address XXXX XXXX XXXX, XXXX, TN XXXX. 

The report also references an Automobile Insurance Claim Records section ( Page XXXX, per Table of Contents on Page XXXX ), which may contain claims associated with these policies, but this section was not included in the provided excerpt. I accessed the full report via the one-time URL ( https : XXXX, PIN XXXX ) before its 30-day expiration ( Page XXXX ). 

My concerns are : Accuracy of Policies : I am unsure if these policies were legitimately issued in my name, as the identity theft alert ( Page XXXX ) indicates possible fraudulent activity. LexisNexis has not confirmed whether these policies were verified with the insurers ( XXXX XXXX XXXX XXXX ) using my Social Security Number ( XXXX, Page XXXX ) or other identifiers. 

Unverified Claims : If claims exist in the Automobile Insurance Claim Records section, they may be inaccurate or fraudulent. LexisNexis has not provided details on whether claims were validated or flagged as part of the identity theft investigation. 

Lack of SSN in Policy Records : No SSNs are listed in the policy records ( XXXX XXXX ), making it difficult to confirm ownership. While my SSN ( XXXX ) is sourced by the same insurers ( Page XXXX ), LexisNexis has not clarified its linkage to these policies.

Identity Theft Handling : Despite the identity theft alert, LexisNexis has not indicated whether any policies or claims were blocked as fraudulent under FCRA 605B, leaving me uncertain about the datas validity. 

XXXX XXXX Concerns : The SSN and some addresses ( e.g., XXXX, AL XXXX, Page XXXX ) are sourced from XXXX XXXX XXXX ( Pages XXXX ), a marketing data broker. I question whether XXXXXXXX XXXX  is reliable for CRA purposes, as it may contribute to inaccuracies.

Company response to consumer: Closed with explanation