Consumer complaint received 2023-12-07
Company: LEXISNEXIS
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date : XX/XX/ Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LexisNexis concerning an unresolved issue that necessitates immediate attention and resolution. On XX/XX/2023, I corresponded with LexisNexis regarding a recorded bankruptcy on my credit report. My sole intent was to seek clarification regarding the verification methods employed to validate this entry, rather than dispute the account itself. To ensure transparency, I provided a copy of my New York State ID and recent utility bill as proof of address.

Despite my initial inquiry, followed by a subsequent letter dated XX/XX/2023, I encountered a delayed response from LexisNexis on XX/XX/2023, which exceeded the 30-day FCRA timeframe by six days. 

In my XX/XX/2023 letter, I indicated my previous challenge of the accuracy of this account with the credit bureaus. LexisNexis responded by asserting verification through their procedures. However, my personal visit to the courthouse contradicted this claim, as they confirmed their non-engagement with LexisNexis, providing a formal statement to that effect. I urged LexisNexis to furnish any documentation outlining their verification process within 30 days or delete the bankruptcy item from my credit profile. Enclosed were documents reinforcing my address, the courthouse letter, and my communication with PACER. 

Subsequent letters dated XX/XX/XXXX and XX/XX/2023, yielded generic responses from LexisNexis, citing verification through PACER. However, upon reaching out to PACER directly, they confirmed their non-verification of this bankruptcy item with LexisNexis. Both the courthouse and PACER explicitly stated their lack of communication with LexisNexis. 

On XX/XX/2023, I reiterated this information to LexisNexis, revealing inconsistencies in my credit file. Their record indicates my residence as XXXX XXXX XXXX, XXXX NJ, which starkly contradicts my true address documented in my New York State ID and utility bill provided since XX/XX/2023. This discrepancy raises doubts about the accuracy of LexisNexis 's data or the veracity of their claims. I included copies of my ID, utility bill, courthouse and PACER communications, and issued a 30-day ultimatum for a response or faced with a formal complaint to the CFPB. 

Despite these communications, as of XX/XX/2023, I have yet to receive written confirmation from LexisNexis regarding the deletion of the bankruptcy item from my file. This ongoing refusal to rectify the error constitutes a violation of FCRA and has inflicted undue stress, anxiety, and an impediment to my ability to purchase a home.

Enclosed herewith are the following documents for your review and consideration : - New York State ID - Recent Utility Bill as proof of address - Copy of Courthouse Letter affirming non-communication with bureaus/agencies - Copy of PACER Letter affirming non-communication with bureaus/agencies - Screenshots of PACER email responses- Copies of all correspondence sent and received - USPS tracking confirmations of delivery to LexisNexis I urgently seek the intervention and support of the Consumer Financial Protection Bureau in this matter to ensure a fair and expedient resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation