Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
Subject : Formal Identity Theft Statement and Request for Investigation I am writing to formally report identity theft involving the fraudulent use of my personal information in connection with the following addresses : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX These addresses have been falsely associated with my identity, and I hereby dispute their legitimacy. This correspondence serves as a formal request for an immediate investigation and correction of any records reflecting these fraudulent associations within your databases. 

Legal Basis for My Request Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 et seq., I am entitled to the protection of accurate and fair credit reporting. The FCRA mandates that credit reporting agencies and data furnishers maintain the accuracy and integrity of consumer information. I assert that the inclusion of these fraudulent addresses in your records constitutes a violation of the FCRA. 

Specifically, under Section 611 ( 15 U.S.C. 1681i ), I request that you : Conduct a reasonable reinvestigation of the disputed information. 

Provide me with a statement of the results of the investigation. 

Correct or delete any inaccurate or unverifiable information within the statutory time frame of 30 days. 

Uniform Commercial Code ( UCC ) : Per the UCC, unauthorized use of an individuals personal information constitutes fraudulent activity and misrepresentation. This situation involves the unauthorized use of my name and identity, which violates principles of lawful and consensual commercial transactions. 

Consumer Financial Protection Bureau ( CFPB ) : Under the CFPBs regulatory framework, consumers are protected against fraudulent financial practices. I am filing this complaint to ensure compliance with CFPB guidelines and to safeguard my rights as a consumer. 

Details of the Identity Theft I have never resided at or conducted any business linked to the aforementioned addresses. 

I have taken steps to report this identity theft to law enforcement and relevant authorities, including the Federal Trade Commission ( FTC ) and the CFPB. 

Enclosed are supporting documents, including my identity theft affidavit and copies of correspondence with other agencies, for your review. 

Actions Requested Remove any reference to the disputed addresses from your records. 

Provide a written confirmation of the actions taken to resolve this matter. 

Supply a copy of the updated report reflecting the corrected information.

Failure to Comply Failure to address this matter adequately may result in further legal action, including filing additional complaints with the CFPB and seeking remedies under applicable state and federal laws.

Please confirm receipt of this correspondence and provide written acknowledgment of your intent to investigate within five ( 5 ) business days. You may reach me directly at [ Your Contact Information ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation