Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
RE : IDENTITY THEFT VICTIM PERMANENT DELETION DEMAND UNDER 15 U.S.C. 1681c-2 AND 1681b To Whom It May Concern, I am a documented victim of identity theft. I have enclosed a copy of my official FTC Identity Theft Report ( Report XXXX. XXXX ) and government-issued identification to substantiate my claims. The accounts listed below are fraudulent. I did not authorize, open, apply for, or give consent to these accounts, inquiries, or the furnishing of my consumer report information in any form. 

This is a formal demand under : 15 U.S.C. 1681c-2 : Requiring the permanent blocking of any information resulting from identity theft upon proper identification and documentation.

15 U.S.C. 1681i : Duty to reinvestigate disputed information.

15 U.S.C. 1681s-2 ( b ) : Duty of furnishers to conduct an investigation and delete inaccurate or unverifiable data.

15 U.S.C. 1681b : Prohibiting any use or access of my credit report without permissible purpose. I have not given any company permission to furnish, pull, or report any data related to these fraudulent accounts.

15 U.S.C. 1681e ( b ) : Duty to maintain maximum possible accuracy.

16 CFR Part 603 and the FCRA final rule requiring consumer data to be purged where fraud is confirmed and documented. 



FRAUDULENT ACCOUNTS TO BE DELETED IMMEDIATELY : Bank Accounts ( Unauthorized ) : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Credit Cards ( Opened Without Consent ) : XXXX XXXXXXXX XXXX  ( XXXX separate accounts beginning with XXXX ) Balances : {$490.00}, {$1400.00}, {$560.00}, {$1100.00} XXXX XXXX XXXXXXXX Acct # : XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX {$690.00} XXXX XXXX XXXX Acct # : XXXX {$350.00} XXXX XXXX ( Fraudulent ) : XXXX XXXX XXXX Acct # : XXXX {$9500.00} XXXX XXXX XXXX Acct # : XXXX {$20000.00} XXXX XXXX ( Unauthorized & Illegal Access of My Consumer Report ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fraudulent Addresses Listed Without My Consent : XXXX XXXX XXXX XXXX XXXX XXXX LEGAL DEMANDS : I demand that all credit reporting agencies and furnishers : XXXX. Permanently delete and block all information associated with these fraudulent accounts. 
XXXX. Cease and desist from reporting, selling, transferring, or disclosing any information about these accounts. 
XXXX. Provide a complete method of verification, investigation results, and source of the information for each item if you refuse deletion. 
XXXX. Under 15 U.S.C. 1681g, provide a full copy of all records and files you have on me, including third-party information shared. 

Failure to comply with this legal request will result in my immediate pursuit of all available legal remedies, including but not limited to : Filing formal CFPB, FTC, and Attorney General complaints Initiating civil litigation for statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o DOCUMENTS ENCLOSED : FTC Identity Theft Report No. XXXX Government-issued ID ( Drivers License ) This formal written request FINAL NOTICE : This is a lawful and time-sensitive demand. You are hereby instructed to block, delete, and cease all reporting of the listed fraudulent accounts. No permissible purpose exists for the use of my information in these accounts under 15 U.S.C. 1681b, and your continued furnishing of this data constitutes a direct violation of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation