Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14497781

Complaint Overview

Complaint ID: 14497781

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: Wisconsin

ZIP Code: 53144

Date Received: 2025-07-06T12:00:00-05:00

Date Sent to Company: 2025-07-06T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : LexisNexis Risk Solutions Attn : Consumer Center XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Personal Data & Request for Investigation and Deletion Pursuant to FCRA ( 15 U.S.C. 1681 et seq. ) formal consumer dispute and privacy demand Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., To Whom It May Concern, I am submitting this letter as a under the concerning personal data you maintain, disseminate, and share in your consumer reporting systems and affiliated databases. I am asserting both the and the right to data security in light of LexisNexis Risk Solutions ' known breach of sensitive consumer information. right to accuracy I. Background : Publicly Reported Data Breach of LexisNexis On or around involving unauthorized access to consumer records including data breach XX/XX/XXXX, LexisNexis experienced a Social Security numbers, drivers license numbers, dates of birth, and contact information. This breach was reported publicly in a filing with the XXXX Attorney Generals Office and widely covered by reputable sources including XXXX and XXXX XXXX. Critically, the breach was not disclosed until XX/XX/XXXX, over XXXX months after the exposure a delay that created prolonged risk to affected consumers like myself. As a consumer whose data is likely retained and sold by LexisNexis across its various information products, I have strong reason to believe that my personally identifiable information ( PII ) was among the compromised records. II. Legal Grounds for Challenge and Demands 1. Failure to Maintain Reasonable Procedures FCRA 1681e ( b ) prima facie evidence of procedural failure Under the FCRA, LexisNexis is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A breach of this magnitude constitutes in both data integrity and consumer protection. DEMAND : deletion of all data I dispute the accuracy and legitimacy of any LexisNexis report, file, or third-party data product that includes or references my information. I am demanding the that can not be affirmatively verified for origin, accuracy, chain of custody, and post-breach security compliance. 2. Consumer File Disclosure FCRA 1681g ( a ) ( 1 ) and ( a ) ( 2 ) I hereby exercise my right to request a under complete consumer file disclosure 15 U.S.C. 1681g. This includes : A full copy of all data LexisNexis has on file related to me The names of all persons and entities to whom my data has been furnished The sources and categories of information A description of any codes, acronyms, or proprietary data tags used A disclosure of whether any of my personal information was part of the reported breach DEMAND : understandable format You are required by law to provide this information in a clear and of receipt of this letter. within XXXX days 3. Data Security Breach Just Cause for Deletion The delayed breach notification and nature of the exposed data raises significant concerns about LexisNexis ability to safeguard consumer information. If any data attributed to me was accessed unlawfully or its source can not be independently verified, it is no longer permissible under FCRA or FTC data handling standards. DEMAND : I demand immediate deletion of any such unverifiable, outdated, or compromised data, and request that LexisNexis permanently block this information from being included in future consumer reports or sold through third- party partnerships. III. Enclosures To verify my identity in accordance with FCRA guidelines, I have enclosed the following documents : A copy of my government-issued photo ID A recent utility bill or bank statement as proof of address IV. Notice of Enforcement Rights If I do not receive a timely and satisfactory response from LexisNexis Risk Solutions, I am prepared to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit a data complaint to the Explore private rights of action under negligent or willful noncompliance Federal Trade Commission ( FTC ) FCRA 1681n and 1681o for Please note this is a documented FCRA dispute and must be handled in full compliance with all consumer protection obligations. Sincerely, XXXX XXXX XXXX : Government-issued photo ID Proof of Address ( Utility Bill )

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Lexisnexis Company Profile
• Credit reporting or other personal consumer reports Complaints
• Improper use of your report Complaints
• Wisconsin Complaints
• Company Rankings
• Company Directory
• Search Complaints