Consumer complaint received 2025-09-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: GA

Complaint narrative:
CFPB Complaint Full Legal and Factual Basis In XXXX, I made repeated, comprehensive requests to LexisNexis for my consumer report, submitting all required documentation : government-issued ID, utility bills, and lease for XXXX XXXX XXXX XXXX XXXX, GA XXXX as my legal residence. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681g ), I am entitled to timely file disclosure. As a sXXXX XXXX XXXXXXXX, I further invoked the Americans with Disabilities Act ( 42 U.S.C. 12101 et seq. ) and federal and state human trafficking protections ( TVPA, 22 U.S.C. 7101 ; 18 U.S.C. 1595 ; Crime Victims Rights Act, 18 U.S.C. 3771 ). 

Despite statutory compliance, LexisNexis refused to clarify authentication requirements, continually shifted standards, and failed to provide my reportmatching the unlawful constructive denial established in XXXX XXXX LexisNexis Screening Solutions, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and the willful FCRA practices found in XXXX v. LexisNexis ( XXXX. XXXX ). 

On XX/XX/XXXX, I delivered XXXX notarized complaints ( asserting my XXXX, FCRA, and trafficking rights ) to XXXX XXXX and XXXX XXXX, on camera and witnessed in person. LexisNexis interrogated me about my police reports rather than honoring their disclosure obligation. Later that day, at XXXX XXXX, XXXX XXXX left a voicemail ( recorded and included ) : Unfortunately, we will not be able to provide you with the disclosure to the address of XXXX XXXX. I have never received my file at that address or my secondary/safety address ( XXXX XXXX XXXX XXXX XXXX ), and no written denial or tracking was ever provided. 

The attached transcript, voicemails, and notarized evidence show months of delays, shifting requirements, retaliation for protected complaints, and no legitimate FCRA processdespite documented exhaustion of all remedies. LexisNexiss conduct violates 12 CFR 1022.137 ( FCRA timeliness/disclosure rules ), ADAs reasonable accommodation, and anti-retaliation under federal anti-trafficking law. 

As a result, I have suffered housing loss, economic harm, exposure to retaliation as a survivor, and emotional distress, with clear willful and knowing misconduct, meeting the standard for statutory and punitive damages established in the case law above. 

I am attaching some of the photographs of my notarized complaints, call logs, and confirming that this evidence was delivered, witnessed, and referenced in transcripts. LexisNexis remains on notice but continues to deny access. Every interaction due to me being a victim of human trafficking has been thoroughly recorded documented and if this goes to federal court I will share all recordings on my phone and etc in front of the judge along with subpoenaing the XXXXXXXX XXXX XXXX, GA Atty General, DOJ and XXXX XXXX XXXX Witness Victim Advocate as well to be a witness in what has happened to me. 

Attachments : Notarized ADA/XXXX  complaints Meeting and voicemail transcript ( XX/XX/XXXX ) Prior CFPB complaints Proof of address ( ID, utility bills, lease ) XX/XX/XXXX Three-Way Call Transcript with LexisNexis employees XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation