Consumer complaint received 2023-10-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This communication is in reference to my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. The item in dispute is the Property Deed Records that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report ( See attached Supporting Document # XXXX ). LexisNexis has previously reinvestigated the Property Deed Records and determined them to be UNVERIFIABLE ( See attached Supporting Documents # XXXX ). Since the Property Deed Records have been previously investigated by LexisNexis and were determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon your previous reinvestigation, I kindly request that the Property Deed Records be promptly and permanently removed from my LexisNexis Consumer Disclosure Report. Additionally, LexisNexis is in violation of the Fair Credit Reporting Act 611 ( a ) ( 5 ) ( B ) and ( C ) which states : ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( I ) ). LexisNexis failed to provide me with the required 5-day written notice prior to reinserting the previously deleted information ; a very serious violation of the FCRA. What reasonable procedures is LexisNexis taking to prevent the reinsertion of previously deleted information from my FCRA-regulated LexisNexis Consumer Disclosure Report? It is absolutely imperative that my LexisNexis Consumer Disclosure Report be 100 % accurate as LexisNexis ' reporting of incorrect or inaccurate information is defamatory and can have a significant impact on and cause significant harm to my personal and professional reputation and character, creditworthiness, credit standing, credit capacity, character, general reputation, and mode of living if left uncorrected. Additionally, it is crucial for LexisNexis to maintain its reputation as a trusted and reliable source of accurate and reliable information to individuals and organizations relying upon its services. Therefore, the prompt removal of the incorrect information from my LexisNexis Consumer Disclosure Report benefits LexisNexis reputation as a trusted and reliable source of accurate and reliable information.

Company response to consumer: Closed with explanation