Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: MI

Complaint narrative:
I submitted a formal dispute to LexisNexis on XX/XX/XXXX, regarding multiple inaccurate and unverifiable entries on my consumer file. These include incorrect addresses, outdated insurance claims, and Department of Driver Services records. LexisNexis has failed to respond within the 30-day legal timeframe required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

This noncompliance has resulted in adverse impacts to my credit and insurance eligibility. I am now requesting that the CFPB investigate and compel LexisNexis to : Delete all unverifiable, inaccurate, and outdated records. 

Correct my personal information. 

Cease reporting information that can not be substantiated with original documentation. 

Confirm the completion of the investigation in writing. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Date : XX/XX/XXXX LexisNexis XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX RE : Non-Responsive Dispute Demand for Deletion and Compliance with FCRA ( Dispute Date : XX/XX/XXXX ) To Whom It May Concern, This is a formal follow-up to my previous dispute letter dated XX/XX/XXXX, which was ignored in violation of federal law. To date, I have received no communication, no investigation results, nor any deletions related to the disputed data in my LexisNexis consumer file. 

Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), LexisNexis is required to conduct a reasonable reinvestigation of disputed items and provide a written response within 30 days. Your failure to do so is a clear violation of FCRA and subjects LexisNexis to liability under : FCRA 616 ( 15 U.S.C. 1681n ) Willful noncompliance FCRA 617 ( 15 U.S.C. 1681o ) Negligent noncompliance FCRA 1681e ( b ) Failure to maintain reasonable procedures for accuracy Furthermore, the continued reporting of unverifiable, inaccurate, and outdated dataincluding but not limited to insurance records, claim histories, and driving recordsis causing measurable harm to my financial reputation and ability to obtain credit and insurance. 

This letter serves as final notice before I escalate this matter by : Filing a formal complaint with the CFPB and FTC, attaching proof of your non-response. 

Pursuing civil litigation for statutory and actual damages as permitted under the FCRA. 

In support of my demands, I reference the following precedent : Cahlin v. GMAC, 936 F.2d 1151 ( 11th Cir. 1991 ) : agencies must remove unverifiable data.

Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) : agencies may not report data without verification.

Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ) : reasonable investigation requires more than parroting the furnisher.

Dalton v. Capital Associated Industries, 257 F.3d 409 ( 4th Cir. 2001 ) : accuracy and relevance must be upheld.

I reiterate the following demands : Correct my personal information to : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Remove all outdated or inaccurate addresses. 

Delete all unverifiable or inaccurate data, including : Negative automobile insurance policies ( USAA, GEICO, Progressive ) Auto insurance claims ( Records 16 ) Property insurance claims ( Records 12 ) Department of Driver Services records If you can not verify the disputed entries within 15 days of this letter, I demand full deletion of all such records under FCRA 1681i ( a ) ( 5 ) ( A ).

You are further required to forward all corrected information to any third parties to whom LexisNexis previously supplied this data under FCRA 1681i ( d ).

Please govern yourself accordingly. I expect full compliance and written confirmation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief