Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Lexis Nexis for failing to process my dispute related to identity theft and human trafficking, in violation of the following laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i Under the FCRA, consumer reporting agencies are required to investigate and resolve disputes related to inaccuracies or fraudulent information within a reasonable time ( usually 30 days ). However, disputes related to identity theft or human trafficking must be processed within four business days as per the specific provisions of the law. Lexis Nexis has failed to process my dispute within this mandated timeframe, as outlined in 15 U.S.C. 1681c-2.

Regulation V ( FCRA ) - 12 C.F.R. 1022.43 This regulation specifies that consumer reporting agencies must block information that results from identity theft or human trafficking within four business days of receiving a dispute. The delay in resolving my dispute constitutes a violation of these provisions.

Identity Theft and Assumption Deterrence Act ( ITADA ) - 18 U.S.C. 1028 Under this law, consumer reporting agencies are obligated to promptly address and correct fraudulent information related to identity theft. By failing to address and resolve my dispute in a timely manner, Lexis Nexis has not complied with the requirements of this law.

Private Right of Action for Violation of the FCRA - 15 U.S.C. 1681n and 1681o The FCRA allows consumers to bring lawsuits against consumer reporting agencies, like Lexis Nexis, for failing to comply with the requirements outlined in the law. Under 15 U.S.C. 1681n, I may be entitled to sue for actual damages, punitive damages, and attorney fees if the companys conduct was willful. If the violation was negligent, under 15 U.S.C. 1681o, I may still recover actual damages and attorney fees.

Timeline of Events : XX/XX/year>2025 : I submitted a dispute to Lexis Nexis regarding several items related to identity theft and human trafficking via email and mail. 
XX/XX/scrub>, 2025 : I received a call from XXXX, a representative in the Lexis Nexis Escalations Department, who instructed me to resend the dispute and supporting documents to her email. I complied on the same day, XX/XX/year>2025, and included the following documents : A list of the items I wanted to dispute A copy of my identification A utility bill with my current address An attestation letter from a human trafficking organization XX/XX/scrub>, 2025 : I followed up via email, requesting that an additional disputed item be blocked. No response was received. 
March 13-17, 2025 : I called XXXX XXXX customer support multiple times and left voicemails on each occasion but did not receive a return call. I also requested a new consumer report to check the status of the dispute. 
XX/XX/year>2025 : I sent a third email to request an update on my dispute. 
XX/XX/scrub> 2025 : I received a letter instructing me to access my consumer report, but the disputed information was still present, indicating no action was taken on my dispute. 
As of today, XX/XX/year>2025, my dispute remains unresolved, which is far beyond the four-business-day requirement for disputes related to identity theft and human trafficking. 

Request for Action : I am requesting that the CFPB investigate Lexis Nexis for noncompliance with the FCRA, Regulation V, and the Identity Theft and Assumption Deterrence Act. Additionally, I seek the CFPBs assistance in ensuring that Lexis Nexis provides punitive or monetary damages as allowed under the law for their failure to comply with the statutory requirements for processing identity theft and human trafficking-related disputes.

Furthermore, I would like to notify Lexis Nexis that, due to the violations outlined above, I may pursue legal action for the damages I have suffered, as allowed under 15 U.S.C. 1681n and 15 U.S.C. 1681o. These provisions entitle me to seek actual damages, punitive damages, and attorney fees for their noncompliance with the law.

Thank you for your attention to this matter. I look forward to your response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation