Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LEXISNEXIS
State: MN

Complaint narrative:
b"Dear CFPB, \nI'm contacting you to report some unlawful debt collection practices being taken. In the most  recent traffic stop a record of issuing the same expired temporary drivers License with a record of being valid around that time is documented in a Lexis Nexis Drivers License Report.\n\nI was on a payment plan with the IRS around this time and have been unable to communicate the findings of the Conclusion of Law for criminal charges that were found to my auto insurance agency after the incident because of the pattern harassment and the conditional release record that was quickly reinstated to the same or similar method of restraint. \n\nI've attached a record of the temporary DL,  THE SAME PHOTO ISSUED TO ME FOR A Restricted DL a temporary DL issued from the officer, XXXX XXXX XXXX XXXX XXXX  Drivers License Transactions Record from Lexis Nexis showing I was Valid,  however a device is being used and a document sent from the XXXX XXXX XXXX XXXX revealing that I Have a A XXXX XXXX XXXX  Drivers License in which I've been with held. There are no endorsements on my DL or restrictions however data documenting that I owe XXXX  Days to the ignition interlock program after a document stating that they installed the camera in the wrong location in my vehicle, which was not notified until after the most recent incident was filed and was completely out of my control and a conclusion of law was filed for no probable cause for criminal charges both. I had both a commercial auto insurance policy holder record and a record of XXXX  and several transactions that were made reissuing me the same restricted DL. \nThe state continued to wager the public roadway and use my citizenship to exploit my insurance coverage and XXXX XXXX XXXX XXXX XXXX  endorsement and leave me vulnerable for attack by invalidating 49 cfr 383.51. By continuing to hold me and toe me to an alco sensor device that was outlined in the pretrial release program and reinstating the same conditions also violates the fair credit reporting act. The state has a pattern of getting me alone, stealing my access to the public roadway or a long withstood inability  to access the public roadway, forethought activities and conduct and wagering the public roadway thats resulted in unreported losses, an inability to access my policy and duty to report change . No crime has been committed yet the state has continued to violate the legality of the XXXX contract duration according to 49 cfr 49 383.51 the program is XXXX  days. XXXX XXXX XXXX XXXX XXXX  has the dates altered the dates of an event that took place in XXXX. I also have a record of payment from the XXXX, XXXX XXXX  previous to the dates on.the Lexis Nexis . I was not found guilty of the crime and instead of updating the DDPA and MVR system there appears to be ongoing counterfitting activities and a failure to report fair credit reporting information DPPA that include the results of the trial and appeallate court document of no probable cause being found for criminal charges and the impeachment document that followed revealing that XXXX XXXX would be utilizing the file XXXXShown throughout my records theres familial status disadvantages, property losses, restraint and routine traffic stops whether considered a permenent lawful resident or guest it hasnt quit. I did XXXX XXXX  years on XXXX XXXX  was released and the conditions for a XXXX  were quickly reinstated and an ability to move freely without a record of supervision or public record charge is documented. Several things tgat have fallen off of my credit report are being advertised and used with a breach of medical information documented from a XXXX XXXX XXXX. In addition to all the retention no XXXX XXXX document is filed revealing a chain of custody and control activities that exceed the scope of evidence being used agaibst me. \nWhich Ive attached a copy of the form."

Company response to consumer: Closed with explanation