Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9640199
Complaint Overview
Complaint ID: 9640199
Company: Lexisnexis
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30331
Date Received: 2024-07-27T12:00:00-05:00
Date Sent to Company: 2024-07-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate Information on LexisNexis, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my LexisNexis, XXXX, and XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. Violations of Law : I believe the verification process by LexisNexis, XXXX, and XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy. 3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes. 5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and XXXX report. Specifically, I ask that : XXXX. LexisNexis, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. XXXX. LexisNexis, XXXX, and XXXX corrects the inaccuracies in my report as identified. Enclosed are copies of my LexisNexis, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Frequently Asked Questions
What is Complaint #9640199 about?
Complaint #9640199 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 2024-07-27T12:00:00-05:00.
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.