Consumer complaint received 2022-10-31
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I obtained my Lexis Noxis Risk Solutions credit report through a recent request to your company. There was a U. S. Bankruptcy Court account number ( XXXX ) items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : -If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due la the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Lexis Nexis has never validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumar, and in most tases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immedialely. 

The Lexis Nexis credit report agancy needs to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, alf the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. 
Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( XXXX ). 

Per the Faderal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to varify - Through physical verification of the original signed consumer contract and/or judgment ( s ) -all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. 

I have attached the letter I sent to the courthouse and their response as evidence stating " They do not report any bankruptcies to anybody. ''

Company response to consumer: Closed with explanation