Consumer complaint received 2022-05-31
Company: LEXISNEXIS
State: DC
Product: Credit reporting, credit repair services, 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:
On XX/XX/2022 I sent Lexis Nexis asking proof of how, did they verified information was accurate, and who gave the permission to share my bankruptcy information with the XXXX credit bureaus, and I have letter from the courts, which I'll attach stating that do not share my information with no credit bureaus, and also on credit bureaus the information is incorrect dates, are wrong, locations, and etc. I will attached the correct information as well. I will attach my credit report with wrong dates, location, case number. 
This is violation of the Privacy Act Disclosure without consent Rule U.S.C 552a ( b ).

As of today, I haven't receive a response back from Lexis Nexis. 
Below is the letter I sent. 

Dear LexisNexis : I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you this information as they explicitly stated they don't report information to anyone. 

But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting regarding the bankruptcies are extremely inaccurate. They were both DISMISSED and never DISCHARGED and the dates are wrong! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that one can simply snoop around and report half truths and cause so much distress. 

Also, to make this even easier on you, I have included a copy of the court records from XXXX  with the correct dates showing that these were DISMISSED and not XXXX. 

Creditor : Account : Reason : Failure to respond will result in complaint to the CFPB, FTC, as well as XXXX. I know my rights and right now you are violating them with this incorrect information. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX enacted XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Again, I would like this information removed from your system asap and once it's removed. I would also like a copy from the report confirming its removal to XXXX, XXXX, and XXXX since you have provided them with negative information to begin with.

Company response to consumer: Closed with explanation