Consumer complaint received 2023-05-19
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I got a notice from XXXX, XXXX, and XXXX that LexisNexis reported and verified bankruptcy on my consumer report.

LEXISNEXIS you are in violation of the law. You are reporting a Bankruptcy on my Consumer Report that you claim to have verified and is Metro2 Compliant. Bankruptcy is considered public records because it can be accessed for a fee through a system called PACER. The thing about public records is that nobody reports them to Consumer Reporting Agencies. I have a written and Signed Letter from the court stating they do not furnish information to the Consumer Reporting Agencies. PACER is an electronic system the courts use to store information, but its not reported to the Consumer Reporting Agencies. So that leaves me, the Consumer, to believe you violated my right to privacy and, without written consent, furnished information about me which is a direct violation of the law.

15 USC 1681 ( a ) ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

PRIVACY ACT OF 1974 The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements.

PROHIBITS : formally forbid ( something ) by law, rule, or other authority.

15 USC 1681b - Permissible purposes of consumer report ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

LEXISNEXIS, you have completely and utterly broken the law and violated my personal right to privacy by furnishing information that is inaccurate and found to be untrue. This clear catastrophe has severely damaged my character, family, and ability to obtain personal and household credit.

LEXISNEXIS I demand that you remove this bankruptcy from my consumer report immediately, as you have no right to furnish such information. I also demand that you send disputes on my behalf to XXXX, XXXX, and XXXX, to which you sold this information too for profit. Failure to comply with my request will result in a lawsuit being filed against you for being in violation of Federal LAW!!!

Company response to consumer: Closed with non-monetary relief