Consumer Claims LexisNexis Reports 'Outdated' Credit Information

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LexisNexis Risk & Analytics Solutions, Inc. is on the receiving end of a proposed class action lawsuit filed by a disabled veteran who claims he was denied a home equity loan as a result of the defendant’s illegal consumer reporting practices. The plaintiff says he applied for a loan from Capital One, but was denied because LexisNexis listed “obsolete” bankruptcy information on his “Accurint Comprehensive Report.” The bankruptcies did not appear on consumer reports from Equifax and Experian because they had been discharged over 10 years prior, according to the complaint.

The suit alleges that LexisNexis illegally reports outdated information on consumers, does not provide the identity of each “person” to whom it issues a consumer’s report, and refuses to update inaccurate data in its files. From the complaint:

“Defendant routinely furnishes outdated and obsolete information regarding consumers even though Defendant has been sued repeatedly under the FCRA for similar conduct.”