Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
CFPB Complaint Against LexisNexis Risk Solutions Inc. 

To Whom It May Concern : This is a formal complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis Risk Solutions Inc. for ongoing and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and associated federal consumer protection laws. 

My name, XXXX XXXX, has been used and reported throughout the LexisNexis system in a manner that continues to cause harm, despite repeated communications, identity theft claims, and their acknowledgment of incorrect data. LexisNexis has confirmed that a judgment ( record # XXXX ) was removed from my LexisNexis Risk Solutions file following an identity theft affidavit and opt-out request. However, LexisNexis continues to maintain and disseminate the same judgment and related information in what they refer to as restricted public records products, bulk data, and non-public-facing systems, which are still used to harm my access to housing, credit, and employment. 

This is a violation of the FCRAs accuracy requirement under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. LexisNexis has also violated 15 U.S.C. 1681g and 1681i by failing to provide a full disclosure of all systems where my data resides and by continuing to publish or disseminate information they have verified is inaccurate.

Moreover, under 15 U.S.C. 1681c, LexisNexis is prohibited from reporting civil judgments more than seven years old. This judgment does not belong to me and therefore any continued reporting, regardless of age, is wholly unlawful under both FCRA and the Federal Trade Commission ( FTC ) guidance on identity theft. 

LexisNexis has failed to fully honor my opt-out rights under XXXX XXXX XXXX ( Illinois Consumer Fraud and Deceptive Business Practices Act ), and continues to allow my personal identity to be used in systems that are sold or shared to entities without permissible purpose under 15 U.S.C. 1681b.

I am demanding the following remedies from LexisNexis Risk Solutions Inc. via CFPB enforcement : 1. Permanent deletion of my name, data, and associated records ( including bulk or restricted data ) from * all * LexisNexis products and internal systems, not just public-facing ones. 
XXXX. A complete accounting of all third parties and systems where my data has been disseminated. 
XXXX. Statutory damages for each violation as prescribed under 15 U.S.C. 1681n and 1681o. 
XXXX. A formal cease and desist from reporting, reselling, or redistributing my identity or associated information in any form. 
XXXX. A CFPB-enforced audit into LexisNexis dark system/data practices. 

If LexisNexis does not comply within 15 days of this filing, I intend to pursue legal action under 15 U.S.C. 1681n for willful noncompliance with the FCRA, and under applicable Illinois law, and will seek damages and injunctive relief. 

Respectfully submitted, XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation