Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: LA

Complaint narrative:
# LexisNexis Consumer Disclosure Request Letter * * XXXX XXXX * * XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX * * Date : * * XX/XX/XXXX * * LexisNexis Consumer Center * * XXXX XXXX XXXX XXXX, GA XXXX * * RE : REQUEST FOR COMPREHENSIVE CONSUMER DISCLOSURE REPORT * * * * Consumer Name : * * XXXX XXXX XXXX XXXX Date of Birth : * * XX/XX/XXXX * * Social Security Number : * * XXXXXXXX XXXX XXXX  * * Dear LexisNexis Consumer Center : * * Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I am formally requesting a complete and comprehensive disclosure of all consumer information contained in your files pertaining to me. This request encompasses all databases, files, and records maintained by LexisNexis Risk Solutions, including but not limited to : # # REQUESTED DISCLOSURE CATEGORIES : * * 1. COMPREHENSIVE CONSUMER REPORTS * * - Complete consumer report files- All versions and iterations of reports generated - Historical reporting data and archived information - Third-party furnished information and sources * * 2. IDENTITY VERIFICATION DATA * * - Personal identifying information databases- Address history and verification records- Phone number associations and verification data - Email address linkages and verification records * * 3. PUBLIC RECORDS INFORMATION * * - Court records and litigation history - Property ownership and real estate records- Professional licensing information - Bankruptcy and financial judgment records- Criminal background check data - XXXX offender XXXX information * * 4. COMMERCIAL DATABASE RECORDS * * - Marketing lists and consumer segmentation data - Lifestyle and demographic profiling information - Purchasing behavior and preference data- Social media and online presence data * * 5. RISK ASSESSMENT PRODUCTS * * - Identity authentication scores and algorithms - Fraud detection and prevention data - Risk scoring models and calculations - Predictive analytics and behavioral assessments * * 6. THIRD-PARTY DATA SOURCES * * - Information obtained from data brokers - Social networking site information - Publicly available information compilations- Government database extractions # # LEGAL BASIS AND CONSUMER RIGHTS : This request is made pursuant to : - Fair Credit Reporting Act ( FCRA ) 609, 15 U.S.C. 1681g - FCRA 610, 15 U.S.C. 1681h ( reinvestigation rights ) - FCRA 611, 15 U.S.C. 1681i ( dispute procedures ) # # REQUIRED DISCLOSURES : Please provide the following as required by federal law : 1. * * Complete File Disclosure : * * All information in your files on the consumer at the time of the request 2. * * Source Identification : * * The sources of all information contained in your files 3. * * Recipients List : * * All persons who have received consumer reports within the prescribed time periods 4. * * Investigative Report Disclosure : * * If any investigative consumer reports exist, provide complete disclosure as required under FCRA 609 ( a ) ( 1 ) # # IDENTITY VERIFICATION : To verify my identity for this request, I am providing : - Full legal name : XXXX XXXX - Current address : XXXX XXXX XXXX, XXXX, LA XXXX - Date of birth : XX/XX/XXXXXXXX  - Partial Social Security Number : XXXX - Contact phone number : XXXX - Email address : XXXX * * Note : * * I am prepared to provide additional identity verification documentation if required by your standard procedures. 

# # REQUEST FOR NO-COST DISCLOSURE : This is my first request for disclosure within the 12-month period. Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), I am entitled to receive this information at no charge.

# # DELIVERY INSTRUCTIONS : Please send the complete disclosure package to my address listed above. I prefer to receive the information via secure mail to ensure privacy and confidentiality. If electronic delivery is available and secure, please contact me at the email address provided. 

# # COMPLIANCE TIMEFRAME : Please be advised that under FCRA 609 ( a ) ( 1 ), you have a reasonable period of time, not to exceed 30 days, to comply with this request. I expect to receive the complete disclosure within this timeframe.

# # RECORD RETENTION NOTICE : Please maintain records of this disclosure request and your response for compliance purposes as required under federal regulations.

I appreciate your prompt attention to this matter and look forward to receiving the comprehensive disclosure within the required timeframe. Should you have any questions regarding this request or require additional identity verification, please contact me at the phone number or email address provided above.

Thank you for your cooperation in ensuring compliance with federal consumer protection laws. 

* * Sincerely, * * * * XXXX XXXX * * * * Consumer * *

Company response to consumer: Closed with non-monetary relief