Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXX To Whom It May Concern, This is a formal and legally binding complaint submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and all applicable Credit Union regulations enforced by the National Credit Union Administration ( NCUA ). LexisNexis , Inc., and XXXX as consumer reporting agency 's, is unlawfully maintaining and publishing fraudulent information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( also known as XXXX ), unauthorized activity being maintained on my lexisnexis consumer report These Checking Account entries are the direct result of identity theft, are fraudulent, such activity must be permanently deleted and blocked from my consumer files. 

Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is legally required to block and remove all information that a consumer identifies as resulting from identity theft upon receipt of appropriate proof of identity and an identity theft report. I have supplied such documentation, including my government-issued identification, Social Security card , and FTC Identity Theft Affidavit, which are enclosed for the express purpose of verifying my identity and supporting the immediate removal of these fraudulent entities. The continued publication of these accounts constitutes willful noncompliance with federal law and a direct violation of my consumer rights. 

Furthermore, under 15 U.S.C. 1681e ( b ), lexisnexis And XXXX has a statutory obligation to ensure the maximum possible accuracy of all consumer information it reports. Maintaining fraudulent accounts linked to identity theft is a reckless disregard for this requirement. Additionally, under 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers of information in this case, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  are legally prohibited from reporting information they know, or have reasonable cause to believe, is inaccurate. Each of these institutions is further bound by 12 C.F.R. 748.0 ( b ) ( 3 ) and 748.2 ( a ), which require federally insured credit unions to implement robust programs to detect, prevent, and respond to incidents of identity theft. The continued furnishing and maintenance of these fraudulent items show a clear failure to meet those federal compliance standards. 

Accordingly, I hereby demand the immediate and permanent blocking, deletion, and suppression of all records, data, inquiries, and associated activity relating to XXXX XXXX XXXX XXXX XXXX  and XXXX  from my Lexis Nexis and XXXX  report consumer entities. Failure to act within the legally prescribed time frame shall be deemed willful noncompliance and subject LexisNexis and XXXX, the furnishing institutions to civil liabilit

y under 15 U.S.C. 1681n and 1681o, including statutory damages, punitive damages, and attorneys fees. Included in this submission are my drivers license, S
ocial Security card, FTC Identity Theft Affidavit, and records of the fraudulent accounts. Such information is provided solely for the expressed purpose of facilitating the permanent blocking and immediate removal of the fraudulent entities identified herein. Any other use, dissemination, or retention of this information beyond that lawful purpose is strictly prohibited.

Failure to comply with the law will result in legal action.

Company response to consumer: Closed with explanation