Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
Numbered Contradictions and Failures Deletion Claimed vs File Still Active LexisNexis represented in writing that records associated with my name were deleted. Despite this, my LexisNexis consumer file continues to exist under the same name and continues to be maintained, accessed, and furnished downstream. A file can not be both deleted and actively disseminated. 

Conflicting Positions on Furnishing Consumer Data In some correspondence, LexisNexis states it does not furnish consumer reports or tradeline data. In other correspondence, LexisNexis acknowledges acting as a reseller and intermediary that provides data, dispute submissions, and results to XXXX XXXX and XXXX. These positions are mutually exclusive and materially misleading. 

Identity Commingling Across Multiple Names LexisNexiss own responses acknowledge multiple name variations being associated with a single consumer file. These names are treated as interchangeable despite representing distinct identities, resulting in public record and bankruptcy information being attributed incorrectly. 

Multiple Social Security Numbers Within One File The LexisNexis file reflects data associated with more than one Social Security number. This is not a clerical error ; it is a critical identity integrity failure that makes the entire file unreliable. 

Public Record and Bankruptcy Data from Unreliable Sources The Clerk of the United States Bankruptcy XXXX for the XXXX XXXX of Texas has confirmed that the court does not furnish public record or bankruptcy information to LexisNexis. Despite this, LexisNexis reports bankruptcy data attributed to that court. This indicates the data is not sourced from an authoritative or permissible origin. 

Incorrect Bankruptcy Coding and Classification Bankruptcy entries appearing in the LexisNexis file contain incorrect coding and classifications inconsistent with court records. When combined with incorrect names and identifiers, this results in misattribution of severe public record events. 

Failure to Provide an Audit Trail LexisNexis has failed to provide a coherent audit trail explaining how multiple identities, names, and Social Security numbers were aggregated into a single consumer file, despite repeated requests. 

Failure to Adhere to FTC Identity Theft Handling I submitted an FTC Identity Theft Report and supporting documentation. LexisNexis did not permanently block, delete, or suppress the identity-theft information within required timelines and instead issued contradictory explanations while continuing to maintain the file. 

Professional Assessment Three independent attorneys experienced in Fair Credit Reporting Act litigation have reviewed the LexisNexis consumer file and advised that it is among the most contaminated and structurally compromised consumer files they have encountered. Each advised that correction is not appropriate where identity commingling is present and that deletion is the only compliant remedy. 

Broader Consumer Safety Concern My concern extends beyond my own file. The presence of multiple names and Social Security numbers within a single LexisNexis consumer profile raises the risk that LexisNexis may be maintaining and furnishing other consumers data under incorrect identities. This creates a broader consumer protection issue affecting individuals who may be unaware their data is being misattributed or disclosed. 

Request for Escalation This complaint reflects systemic data integrity failures by a consumer reporting entity, not an ordinary dispute. I respectfully request that the CFPB escalate this matter for supervisory review. The continued maintenance and dissemination of a structurally tainted consumer file over multiple years has resulted in credit denials, inflated interest rates, and other adverse consequences based on unreliable data. 

I am seeking prompt deletion of the contaminated file and cessation of all downstream furnishing. This request is made to resolve the matter without further escalation. 

I am deeply concerned not only for the harm caused to me, but for the individuals whose personal information appears to be commingled within my LexisNexis consumer file. The presence of multiple names and Social Security numbers within a single consumer profile indicates that other individuals identities may be compromised and improperly attributed to me. 

Rather than flagging or isolating these discrepancies as potential identity compromise, LexisNexis has continued to maintain and disseminate the combined file as if all data belongs to a single consumer. This practice creates a significant risk that other individuals personal and public record information is being inaccurately reported, disclosed, or furnished without their knowledge or consent. 

This is a broader consumer protection concern. Individuals whose data is being misattributed may be unaware that their identities are being combined with others, resulting in inaccurate reporting, improper disclosure, and potential downstream harm. LexisNexiss failure to detect, segregate, or suppress commingled identity data raises serious questions about its data governance and safeguards.

Company response to consumer: Closed with explanation