Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Company : LexisNexis Risk Solutions FL Inc. ( Consumer Reporting Agency ) Product/Issue : Credit reporting Improper handling of deletion/correction request ; failure to provide timely response; continued retention and dissemination of personal data Problem Summary ( for CFPB intake ) : URGENT CCPA & FCRA noncompliance. LexisNexis has exceeded the 45-day statutory window to process my verified deletion/correction request and is now claiming an additional 45 days without a valid, timely, specific reason. This violates Cal. Civ. Code 1798.105 & 1798.130 and constitutes unfair practices impacting my consumer reports under the FCRA. I seek immediate deletion and written certification, plus confirmation that all downstream recipients are instructed to delete/suppress my data. 

What happened ( detailed narrative ) : On or about XXXX, I submitted a verified deletion and correction request to LexisNexis under the California Consumer Privacy Act ( CCPA ). 
LexisNexis acknowledged the request but did not complete it within 45 days as required by Cal. Civ. Code 1798.130 ( a ) ( 2 ). 

On XX/XX/XXXX, I received an email stating LexisNexis needs up to an additional 45 days due to the number of records. No specific, timely reason for the extension was provided within the initial 45 days, making the extension procedurally defective. 

Under Cal. Civ. Code 1798.105 ( c ) and 11 C.C.R. 7022 ( d ), businesses must delete personal information without unreasonable delay ; administrative backlog or record volume is not a valid justification. 

The delay also creates ongoing risk of inaccurate or outdated data being reported, shared, or matched to me across the LexisNexis ecosystem and downstream recipients, implicating FCRA accuracy and reinvestigation obligations ( 15 U.S.C. 1681e ( b ), 1681i ) and constituting an unfair practice with real consumer impact ( potential denials, increased scrutiny, and reputational harm ). 

California authorities have emphasized the enforceability of CCPA timelines and remedies ( see XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that delayed/incomplete CCPA compliance is actionable . While I cite CCPA for deletion timelines, the CFPBs remit covers the consumer reporting harms here ( ongoing retention/dissemination and accuracy risks ) and LexisNexiss obligations as a consumer reporting agency under the FCRA. 

Steps Ive taken to resolve : I followed LexisNexiss procedures to submit a verified CCPA deletion/correction request. 
I responded to their email asserting a noncompliant extension and demanded immediate escalation to Legal and prompt deletion. 
I am filing this CFPB complaint due to noncompliance and ongoing risk while my data remains in their systems and/or shared with third parties. 

What I demand : 1. Immediate deletion of all personal information associated with my file ( s ), including linked identifiers, derived profiles, and any datasets used for risk, identity, or marketing purposes.

2. Written certification of deletion and a list of all third parties with whom my information was shared in the previous 12 months, plus confirmation that each recipient was instructed to delete/suppress my data.

3. A copy of LexisNexiss data map/source list identifying each data source relied upon for my file, and confirmation that deletion requests were transmitted to those sources where applicable.

4. Confirmation that no negative inferences or adverse matching will occur due to this request, and that any downstream repositories ( watchlists, identity graphs, skip-trace tools, etc. ) are also purged or suppressed.

5. An explanation of why the 45-day deadline was missed and why a valid extension notice with specific reasons was not provided within the initial 45 days.

6. Assurance of FCRA compliance, including accuracy controls, reinvestigation protocols, and suppression of any disputed/unverified data pending completion.

7. Expedited handling due to ongoing consumer-reporting risks.

Harm/Impact : Continued retention and distribution of my data exposes me to potential credit denials, identity mis-association , and reputational harm.

The uncertainty and delay have required significant time and effort to monitor and remediate, including contacting bureaus and entities that may be relying on LexisNexis data. 
INABILITY TO ESTABLISH NEW BANKING RELATIONSHIPS AND ACCOUNT CLOSURES DUE TO LEXIS NEXIS FILES & ERRONEOUS REPORTS. 


Attachments ( will upload with complaint ) : My original CCPA deletion/correction request ( [ date ] ) LexisNexis acknowledgment ( s ) and the XX/XX/XXXX extension email My follow-up escalation/demand letter Any evidence of downstream usage/impacts, if available Consent & Contact : I authorize the CFPB to share this complaint and attachments with LexisNexis Risk Solutions FL Inc. and any relevant regulators . Please mark this complaint URGENT due to ongoing consumer-reporting risk. 

Requested response time : 5 business days for written confirmation of full deletion and notices to downstream recipients.

Company response to consumer: Closed with explanation