Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Issue Type : Incorrect information on credit report ; failure to investigate ; failure to disclose procedures ; denial of file access ; continued dissemination after notice SUMMARY OF COMPLAINT This complaint documents willful and continuing violations of the Fair Credit Reporting Act by LexisNexis Risk Solutions Inc. after all reasonable dispute, notice, and cure avenues have been exhausted.

LexisNexis has been provided court-certified, embossed evidence that the disputed bankruptcy public-record data is inaccurate and should not be reported, yet continues to disseminate that data while obstructing my statutory rights and issuing boilerplate responses that ignore the evidence submitted.

This complaint addresses post-admission, post-notice conduct and is not duplicative of prior CFPB filings.

FACTUAL RECORD AND EXHAUSTION OF REMEDIES 1. Court-Certified Evidence Repeatedly Served I provided LexisNexis with four ( 4 ) court-certified, embossed bankruptcy dismissal orders, each confirming that the petitions were dismissed and should not be reported as adverse public records.

The same certified documents were provided to LexisNexis repeatedly and through multiple channels : - Via email- Via mail on multiple occasions- Via attachments in CFPB complaints LexisNexis therefore can not plausibly claim lack of notice, lack of specificity, or inability to identify the disputed information.

2. Formal Notices to Cure Fully Served After LexisNexis failed to correct the inaccuracies, I served the company with escalating written notices, each containing the same certified evidence : 7-Day Notice to Cure Day-3 Reinforcement Notice Day-8 Escalation Notice Day-14 Final Notice Prior to Court Filing These notices were sent via USPS Priority Express with tracking and signature and were also transmitted electronically.

LexisNexis was given ample opportunity to cure and declined to do so.

3. CFPB Complaints and Pattern of Boilerplate Responses I filed three ( 3 ) CFPB complaints addressing distinct but related violations by LexisNexis.

Three of the complaints received responses.

Each response consisted of generic boilerplate language.

None addressed : - the court-certified dismissal orders, - the closed mailing address, - the denial of file access via a faulty PIN, or- the failure to disclose - reinvestigation procedures.

Boilerplate responses that ignore evidence do not satisfy obligations under the FCRA.

CONTINUED DISSEMINATION AFTER ADMISSION LexisNexis previously : Issued reinvestigation letters stating the bankruptcy records were verified ; and Subsequently admitted in writing that those same records were inaccurate and required correction.

Despite this admission, and despite repeated service of court-certified dismissal orders, LexisNexis continues to disseminate the disputed public-record data through consumer reporting agencies where LexisNexis is identified as the source.

This conduct is knowing and willful, not negligent.

ADDITIONAL OBSTRUCTIVE CONDUCT A. Failure to Disclose Reinvestigation Procedures LexisNexis expressly invited me to request disclosure of verification procedures, sources, and audit logs under 15 U.S.C. 1681i ( a ) ( 7 ).

When I accepted that invitation, LexisNexis failed to provide any procedures, logs, or furnisher identification, instead sending generic correspondence referencing PACER, which does not satisfy statutory disclosure requirements.

B. Denial of File Access via Faulty PIN LexisNexis issued a PIN and link to access my consumer file. The PIN does not function.

I attempted access on multiple devices ( mobile and Chromebook ). Access was denied each time.

LexisNexis asserts user error without providing logs, reset assistance, or alternative access, effectively denying access under 15 U.S.C. 1681g ( a ).

C. Service Obstruction Closed Mailing Address LexisNexis publicly listed and instructed me to use a PO Box that USPS confirmed was closed and non-operational.

Priority Express mail containing dispute documentation was returned marked Closed.

Despite this, LexisNexis later instructed me again to send mail to the same closed PO Box .

LEGAL VIOLATIONS LexisNexiss conduct violates, at minimum : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures 15 U.S.C. 1681i ( a ) ( 1 ), ( a ) ( 7 ) Failure to reinvestigate and disclose procedures 15 U.S.C. 1681g ( a ) Denial of consumer file access 15 U.S.C. 1681b Unauthorized disclosures under an active freeze 15 U.S.C. 1681n Willful noncompliance Cal. Civ. Code 1785.14 ( a ) Failure to correct and reinvestigate inaccurate information HARM As a direct result of LexisNexiss conduct : - False bankruptcy data continues to be disseminated ; - My credit profile has been materially harmed ; - I suffered a documented mortgage denial ; - I have been denied access to my consumer file and reinvestigation procedures.

NOTICE OF FINAL EXHAUSTION AND COURT FILING DATE All available dispute, notice, and regulatory avenues have now been exhausted.

LexisNexis has received court-certified dismissal orders, repeated written disputes, multiple CFPB complaints, and escalating formal notices to cure, yet has continued dissemination of the disputed public-record data and denied required disclosures.

Absent full remediation, disclosure, and cessation of dissemination, I intend to file a civil action asserting violations of the Fair Credit Reporting Act and applicable state law on or after XXXX XXXX XXXX, without further notice.

This statement is provided solely to document exhaustion of remedies and preservation of rights. 

Submitted by : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation