Consumer complaint received 2023-12-03
Company: LEXISNEXIS
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, The Deletion or Blocking of Accounts due to Data Breaches and unauthorized Inquiries is governed by FCRA Section 605B [ 15 U.S.C. 1681c-2 ], and FCRA Section 604 [ 15 U.S.C. 1681b ] outlines permissible consumer report purposes. 
I am writing to formally dispute the accounts on my consumer credit report mentioned below, resulting from Data Breach or Fraud incidents. I demand concrete evidence with my valid signature/electronic signature. This letter represents my complaint, emphasizing the violation of my consumer rights under the Fair Credit Reporting Act Section 605B [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604 [ 15 U.S.C. 1681b ]. These actions were initiated without proper validation or original proof from the reporting companies, a matter I have also addressed directly with said companies. 
Listed below are the Public Records that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed/Reported [ FILED_REPORTED ] Released/Closing [ RELEASED_CLOSING ] Reference # [ REFERENCE ] How Filed [ HOW_FILED ] Court [ COURT ] Amount [ AMOUNT ] Plaintiff [ PLAINTIFF ] Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete this incorrect information immediately! 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am utterly dismayed by the apparent lack of accuracy in the information you have furnished me with. I categorically deny any knowledge of a bankruptcy filing in my name, and therefore demand that you conduct an immediate and thorough investigation into this matter. I expect you to furnish me with documented proof that confirms the accuracy of your information, failing which I insist that you promptly delete this information from your records. 
Federal Filed/Reported XX/XX/2015 Released/Closing - Reference # XXXX How Filed - Court Federal Amount 0 Plaintiff - Under 15 US Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete this incorrect information immediately! 
XXXX XXXX I must vehemently express my anger and outrage at the provision of inaccurate information regarding any bankruptcy filing in my name. I demand that you investigate this matter immediately and provide irrefutable documentation establishing the absolute veracity of your claims. In the absence of such proof, I insist that you delete this erroneous information from your records forthwith. 

If you are the entity claiming that I owe a debt and can prove it, please be aware that this is not a statement of refusal to pay. Instead, I am providing notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, that your claim appears to lack the necessary reporting mandates. Therefore, I request that you demonstrate, with factual evidence, that your reporting practices were fully compliant with the laws and standards required of you. Otherwise, your claim can not be proven and its integrity as reported is questionable, which would constitute a violation of your duty to report accurately and result in liability for you and compensation for me if I file and win lawsuits. In addition, please note that this is not a request for " verification '' of my mailing address. Rather, I am requesting evidence of your valid and adequate validation process, made in accordance with 15 USC 1692g, which would lead to the reporting of verified and accurate information about me. I respectfully ask your office to promptly provide me with evidence that I have a legal obligation to pay you, despite your current failure or unwillingness to substantiate your claim ( s ) and to demonstrate that your reporting practices were ethical and fair, resulting in only truthful, accurate, and complete claims against me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief