Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10590591
Complaint Overview
Complaint ID: 10590591
Company: Lexisnexis
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Michigan
ZIP Code: 48228
Date Received: 2024-10-26T12:00:00-05:00
Date Sent to Company: 2024-10-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX I CONTACTED LEXIS NEXIS RISK SOLUTIONS INC at XXXX. I was. unassisted after spending 1 hour on the phone on hold and being transferred to multiple agents. I contacted the parent company XXXX ( XXXX ) XXXX and was directed to call XXXX ) XXXX for 24 hour customer assistance. This is untrue. LEXIS NEXIS RISK SOLUTIONS has never been a creditor or affiliation to my person. I have never consented or gave permissible purposes for the file to be shared with multiple sources as seen on the file. LexisNexis refuses to initiate or complete disputes on my behalf. Instead they are continuing to furnish inaccurate unvaildated data. This investigation requested the source data to validate the information obtained by Lexis Nexis Risk Solutions INC. I requested a freeze and suppression of inaccurate information that has not been lawfully validated FOR MY PERSON. The source or purported source as alleged by LEXIS NEXIS firmly and repeatedly deny furnishing, supplying or validating any data obtained by Lexis Nexis Risk Solutions The disclaimer states verbatim " The Court does not warrant the accuracy of the information contained herein ; is not responsible for any errors or omissions, and assumes no liability for the use of this site, actions taken in reliance upon any information contained herein, and consequences of any such actions. The information available through the System is not considered an official court record and should NOT be used for BACKGROUND CHECKS or REPORTING. The ROAs and any other information obtained from this site are not deemed certified records of the Court. Prohibitions and Limitations on Use The System and any information obtained through the System shall NOT be used for any of the following purposes : Unlawful purposes ; Any purpose that infringes upon the rights of the Court or OTHERS ( myself ), particularly those persons whose names are included in the system as litigants, attorneys, judges, or court employees ; The court will not verify or validate or share any information so where are the additions and records coming from and why have they not been located and removed. BULK data downloads and/or COMMERCIAL uses of the data are not permitted. Lexis Nexis Risk Solutions INC CONTINUES TO violated my rights to privacy without consent or permissible purposes, reported all inaccurate unverifiable data, sold my PII for a profit to other persons. On XXXX I called XXXX XXXX to demand a copy of a complete credit file. Lexis Nexis RISK SOLUTIONS costumer service agent informed me that they are unable to provide any report and refuse to send a complete one hundred percent accurate credit file or report. Pursuant to FCRA these are major violations. The data that is to be removed is populating a Speeding on XXXX XX/XX/XXXX and another item dated XX/XX/XXXX. I have not been a party to any proceedings and have not agreed to be obligated as a debtor nor consumer. Lexis Nexis caused cancellation of insurance and unwarranted stress, financial harm by the defamatory libel. To publish unverifiable inaccurate information is one thing, but to continue to add more is another. I expect these items to be removed immediately for purposefully disregarding the law, the disclaimers and notices written in bold directed to entities such as LEXIS NEXIS RISK SOLUTIONS INC. Pursuant to the FCRA , the acts are willful and negligent and is not a mistake as this is the 4th violation. It has already caused substantial injury financially and other ways. Also according to FCRA, you need to supply every entity that you supplied the invalid information with an update of the 100 % accurate file or records and cease sharing information without permissible purposes or written consent. You have failed to do so. You have failed your commercial subscriber by furnishing and selling inaccurate data. They need a refund as it is causing them to lose business and customers based on using your data as an analytics business. I also requested the method of validation and the resources used.You have yet to share that,
Frequently Asked Questions
What is Complaint #10590591 about?
Complaint #10590591 was filed against Lexisnexis regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-10-26T12:00:00-05:00.
How did Lexisnexis respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Lexisnexis?
Yes, visit the Lexisnexis company profile at readthecomplaint.com/company/lexisnexis to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.