Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
TO : LexisNexis Risk Solutions XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Charge-Off Reporting Account Name : XXXX  XXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Dear : Lexis Nexis This is a formal dispute and legal demand regarding your continued and unlawful reporting of a charge-off on my XXXX XXXXXXXX account to LexisNexis and the major credit reporting agencies. 

Your reporting is inaccurate, misleading, and in direct violation of federal and Texas consumer protection laws, including : Applicable Laws and Guidelines Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : Duty to maintain maximum possible accuracy of reported information 1681i : Duty to conduct reasonable reinvestigation of disputed information 1681s-2 ( b ) : Furnishers duty to investigate and correct inaccurate or incomplete information 1681i ( a ) ( 5 ) ( B ) : Restrictions on unauthorized reinsertion of deleted data XXXX XXXX  Compliance Guidelines Required accurate reporting of Date of First Delinquency ( DOFD ), account status, and dispute flags ( XXXX ) to prevent misrepresentation Texas Finance Code 521.051 Mandates furnishers and CRAs to maintain reasonable procedures to assure maximum accuracy Texas Credit Reporting Consumer Act ( TCCRA ), Tex. Fin. Code Chapter 20 Prohibits reporting of inaccurate or unverifiable information and requires prompt correction Texas Deceptive Trade Practices Act ( DTPA ), Tex. Bus. & Com. Code 17.46 ( b ) Prohibits unfair or deceptive acts, including false credit reporting Relevant Case Law Supporting My Dispute XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit reporting agencies and furnishers must independently verify disputed information beyond automated responses. 
XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furnishers are liable under the FCRA for failing to conduct reasonable investigations and continuing to report inaccurate information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX Md. XXXX ) Unauthorized reinsertion of previously deleted data violates the FCRA reinsertion provisions. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Willful failure to remove clearly inaccurate information after dispute creates liability for punitive damages. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. Mo. XXXX. XXXX, XXXX ) Failure to properly report under XXXX XXXX standards constitutes inaccurate reporting under the FCRA. 

Reporting Issues 1. The account continues to be reported as a charge-off, despite : Multiple disputes via LexisNexis and credit bureaus ; Incomplete, outdated, or unverifiable payment history and DOFD ; Lack of proper Metro 2 dispute flags ( XXXX ). 
XXXX. If this account was previously deleted and reinserted ( per XXXX or XXXX activity ), no reinsertion notice was provided, violating FCRA 1681i ( a ) ( XXXX ) ( B ). 
XXXX. XXXX XXXX has failed to : Properly investigate my disputes, as required by 1681s-2 ( b ) ; Verify the accuracy of the information with supporting documentation ; Comply with XXXX XXXX reporting standards, which prevents inaccurate and misleading consumer information. 

Demands for Immediate Action You are hereby demanded to : 1. Immediately delete or suppress all derogatory information related to this XXXX XXXX charge-off from all consumer reporting agencies and LexisNexis databases XXXX 
2. Provide me with a full Method of Verification ( MOV ) including : Data source and date obtained Complete payment history and XXXX XXXX compliance codes Reinsertion dates and documentation, if applicable XXXX. Mark the account as in dispute on all credit reports, using the XXXX XXXX XXXX XXXX 
XXXX. Provide written confirmation within 30 days of this letter confirming the removal or correction. 

Failure to comply will result in : Complaints to the Consumer Financial Protection Bureau ( CFPB ) and Texas Attorney General ; Civil lawsuits for actual, statutory, and punitive damages under the FCRA ( 15 U.S.C. 1681n, 1681o ) and Texas law ; Seeking recovery of legal fees and court costs for willful noncompliance. 

This letter constitutes formal notice of dispute and preservation of all rights and claims under federal and state laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation