Consumer complaint received 2022-11-12
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:
XXXX, LexisNexis are Illegal reporting inaccurate bankruptcies that have not been verified accurately according by the following rules ; 12 CFR 1022.123 ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer. 12 CFR 1022.123 ( b ) ( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided. ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full XXXX digits of Social Security number, and/or date of birth. 12 CFR 1022.82 ( c ) ( 2 ) Examples of confirmation methods. The user XXXX reasonably confirm address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; 12 CFR 1022.82 ( d ) ( 2 ) ( 2 ) Examples of confirmation methods. The user XXXX reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; 12 CFR 1022.130 ( b ) Associated consumer reporting agency means a consumer reporting agency that owns or maintains consumer files housed within systems operated by XXXX or more nationwide consumer reporting agencies. Appendix A to XXXX XXXX XXXX XXXX implement written policies and the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 U.S.C. 1681c-2 ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information XXXX be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. My rights as the consumer, I am demanding a Method of their Reinvestigations as to 1. how the bankruptcies we're verified? 2. The name of person, and/ or system used to verify information? 3. The date and time information was verified? 4. first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full XXXX digits of Social Security number, and/or date of birth.

Company response to consumer: Closed with explanation