Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
# FORMAL DISPUTE LETTER # # XXXX XXXX Compliance Violations and CDIA Standards XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/year> LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX **RE : Dispute of Consumer Report Information - File # : XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information contained in my consumer report provided by LexisNexis Risk Solutions Inc . Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute incomplete or inaccurate information contained in my file.

After reviewing my Current Carrier and C.L.U.E . reports ( Reference Numbers : XXXX and XXXX ), I have identified multiple significant violations of XXXX XXXX Format standards as outlined in the Consumer Reporting Resource Guide ( XXXX ) Version XXXX established by the Consumer Data Industry Association ( CDIA ) : 1. **Non-Compliant Data Format Structure** : Your reports fail to follow the required 426-character XXXX XXXX Format record layout as mandated by the CRRG. The Base Segment requires specific character positions ( 1-426 ) with mandatory field positions including Account Status ( positions 89-89 ), Account Type ( positions 567-568 ), and Payment History ( positions 332-411 ).

2. **Improper Consumer Identification Segments** : The reports incorrectly display multiple household members ' data without proper segmentation. XXXX XXXX Format requires Base Segment identifier " 0 '' ( position 1 ), followed by appropriate J1 Segment identifier " 1 '' ( position 1 ) and J2 Segment identifier " 2 '' ( position 1 ) for additional consumers on the same account.

3. **Missing Required XXXX XXXX Fields** : Your reports omit multiple mandatory data fields including Account Number ( positions 30-54 ), Consumer Information Indicator ( positions 164-167 ), ECOA Code ( position 25 ) which should reflect " 1 '' for Individual accounts or " 2 '' for Joint accounts, and Portfolio Type ( position 177 ).

4. **Inaccurate Account Status Reporting** : The " IN-EFFECT '' status does not correspond to any valid Account Status Code in the XXXX XXXX format, which requires specific two-digit numeric codes at position 89. Valid codes include " 11 '' for Current account, " 71 '' for Account paid in full, or " DA '' for Delete Account.

5. **Improper Date Formatting** : Dates are inconsistently reported and do not adhere to required XXXX XXXX standards for date fields, which must use MMDDYYYY format in positions 141-148 for Date of First Delinquency and positions 149-156 for Date Closed.

6. **Absence of Dispute Handling Mechanisms** : No evidence of proper dispute codes or compliance with CDIA dispute handling procedures appears in these reports. Compliance Condition Codes must appear in positions 178-179 as " XB '' for disputed consumer information or " XH '' for disputed account information.

As these violations constitute significant non-compliance with industry standards, I demand the following actions : 1. Immediate removal of all insurance-related information from my consumer report that fails to comply with XXXX XXXX Format standards.

2. Full investigation and correction of all errors within 30 days as required by the FCRA.

3. Provision of a corrected consumer report after your investigation is complete.

4. Written confirmation of the actions taken in response to this dispute.

Please note that failure to address these XXXX XXXX compliance violations may constitute violations of the FCRA, potentially subjecting your organization to statutory damages, actual damages, and attorney 's fees.

I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau Federal Trade Commission

Company response to consumer: Closed with explanation