Consumer complaint received 2023-11-28
Company: LEXISNEXIS
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following letter with court documentation was sent to LexisNexis, which they are denying : Dear LexisNexis Risk Resolution Consumer Center : I obtained my credit report online. There is a U.S Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau 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 to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S Bankruptcy Courts confirmed LexisNexis, XXXX, XXXX, and XXXX Credit Report Bureaus have NEVER validated or verified these public record entries on my credit report, neither will they ever be on 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 unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

LexisNexis, XXXX, XXXX, and XXXX Credit Report Bureaus need 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, all 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 ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-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, email, or mail fraudulent and erroneous account information. As such, if this unauthorized public 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. 

Failure to respond in an unsatisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the LexisNexis, XXXX, XXXX, and XXXX Credit Report Bureaus. I will be seeking no less than {$5000.00} for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation