Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
This complaint is a continuation of unresolved issues from my prior CFPB case ( # XXXX ) XXXX submitted a dispute to LexisNexis on XX/XX/year> requesting correction of inaccurate personal information ( incorrect name variations, unverifiable or outdated addresses, and associated identifiers ) and a full consumer file disclosure. 

LexisNexis later sent correspondence stating that LexisNexis has initiated the reinvestigation process for the data disputed, which indicates that my identity had already been authenticated and that my file had been accessed. However, in their CFPB response dated XX/XX/year>, LexisNexis claimed they could not authenticate my identity and could not determine what information I was disputing. These statements directly contradict each other. A reinvestigation can not legally begin unless authentication has already occurred. 

After that response, I contacted LexisNexis by phone on XX/XX/year> at XXXX XXXX. During this call, I again fully verified my identity by providing my government ID and full SSN. Despite this, the representative stated that my disclosure remains the same, that none of my disputed identifiers had been corrected, and that a new 30-day process would begin. This is improper because LexisNexis had already acknowledged initiating a reinvestigation based on my original dispute. 

During this call, the representative also stated that LexisNexis must verify my identity through XXXX  records and my insurance provider ( XXXX XXXX ) because it could be fraud. These are not valid identity verification methods under the FCRA. XXXX  data only reflects address existence or forwarding activity, not identity. My LexisNexis file shows multiple address variations sourced from XXXX, and name variations sourced from XXXX XXXX. These third-party sources may furnish data to LexisNexis, but they can not be used to block corrections or override direct government ID and SSN authentication that I already completed. 

Despite my completed verification, LexisNexis used these XXXX records as justification for refusing to correct my personal information and delaying the dispute process. As of my most recent contact, only email changes appear to have been applied. The inaccurate name variations, outdated or unverifiable addresses, and other identifiers remain unchanged, and no updated disclosure has been provided. 

I am requesting CFPB assistance because : LexisNexis authenticated my identity multiple times ( mail + phone ) but still failed to correct inaccurate personal information. 
They issued contradictory statementsclaiming both that reinvestigation was initiated and that authentication failed. 
They used improper third-party sources ( XXXX and XXXX XXXX XXXX as identity verification justification after already authenticating me. 
They attempted to reset the 30-day reinvestigation period without valid reason. 
My disclosure remains unchanged despite verified requests for correction. 
No explanation was provided for why the disputed identifiers were not corrected or why contradictory procedures were used.

Company response to consumer: Closed with non-monetary relief