Consumer complaint received 2025-04-10 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:
Subject : Complaint Regarding Unauthorized Disclosure and Reinsertion of Inaccurate Information in My XXXX Consumer Report Dear Sir or Madam, I am writing to formally lodge a complaint concerning two critical issues : 1. Unauthorized Disclosure of Another Consumer 's Information : I recently received a consumer report from XXXX intended for another individual named XXXX XXXX, which erroneously included my address. Upon contacting your Consumer Center, I was informed that this error occurred due to a representative inadvertently sending the incorrect report. 
This incident constitutes a significant breach of privacy and a violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b : Limits the circumstances under which consumer reporting agencies may furnish consumer reports, ensuring disclosures occur only for permissible purposes. Providing me with another individual 's consumer report violates this provision. 

2. Reinsertion of Previously Deleted Inaccurate Information : Approximately ten days ago, I was informed that a XXXX  XXXX bankruptcy ( Reference Number : XXXX ) and a collection account from XXXX XXXX XXXX XXXX XXXX amounting to {$8000.00} were removed from my consumer report. However, these inaccuracies have since been reinserted without proper notification. 
Upon contacting XXXX 's Special Handling Department, Supervisor XXXX confirmed that LexisNexis provides them with information regarding U.S. Bankruptcies and collection accounts. This practice raises concerns about the accuracy and integrity of the information being reported. 

This action contravenes the FCRA 's reinsertion provisions : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits the reinsertion of previously deleted information unless the furnisher certifies its accuracy and the consumer reporting agency notifies the consumer within five business days of the reinsertion. I received no such notification. 
Furthermore, the FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation to determine the accuracy of disputed information. Relying solely on third-party sources like LexisNexis without direct verification from the original creditor or court records may not constitute a reasonable reinvestigation. 
Legal Information Institute Requested Actions : 1. Investigation and Rectification : Conduct a thorough investigation into your practices regarding the handling of consumer reports and the unauthorized disclosure of personal information. 
Examine your procedures related to the reinsertion of previously deleted information and ensure compliance with FCRA requirements. 

2. Permanent Deletion and Blocking : Ensure the immediate and permanent deletion of the aforementioned XXXX  XXXX bankruptcy and the XXXX XXXX XXXX XXXX XXXX collection account from my consumer report. 
Implement measures to prevent the reinsertion of these inaccuracies in the future, as stipulated by 15 U.S.C. 1681c-2 ( a ), which mandates the blocking of information resulting from identity theft. 

3. Compliance Assurance : Confirm that LexisNexis Risk Solutions adheres strictly to the FCRA and other pertinent consumer protection laws to prevent future occurrences of such violations. 
Enclosures : Copies of correspondence with LexisNexis Risk Solutions regarding the unauthorized disclosure and reinsertion of information. 
Documentation evidencing the initial removal and subsequent reinsertion of the disputed accounts. 
Any additional relevant information supporting my complaint. 

Thank you for your prompt attention to this matter. I trust that LexisNexis Risk Solutions will take the necessary steps to address these serious violations and ensure the protection of consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation