Consumer complaint received 2019-08-24
Company: LEXISNEXIS
State: SC
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: Was not notified of investigation status or results

Complaint:
I have tried to resolve this matter with LexisNexis for several months by utilizing the dispute method and guidelines established within 15 U.S.C. section 1681, the Fair Credit Reporting Act ( FCRA ). Obviously, my request, rights and guidelines established under the FCRA continue to be ignored and violated by LexisNexis. Ive submitted several disputes to LexisNexis regarding eleven ( 11 ) accounts/items found within my LexisNexis credit report and requested LexisNexis to produce verifiable proof and the method of verification utilized to verify such negative remarks. This process started on XX/XX/2019 upon the delivery of the first certified letter by the USPS.  Several months and letters later, I have not received any of the information requested or the results of their investigation. Moreover, LexisNexis continue to utilize stalling techniques to avoid complying with FCRA guidelines and circumvent the completion of their required investigation in accordance with section 611 of the FCRA. Furthermore, LexisNexis continues trying to place the burden of their required reasonable investigation on other Consumer Reporting Agencies ( CRAs ). As evidenced by the enclosed LexisNexis letters dated XX/XX/XXXX and XX/XX/2019, LexisNexis established their dependency on fellow CRAs ( XXXX, LexisNexis and XXXX  ) to  provide them with information on disputed items I did not authorize LexisNexis to dispute with such CRAs. To my knowledge, LexisNexis is an independent CRA who engages in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. Their separation and independence from any other CRA makes LexisNexis a binding CRA under the FCRA. Therefore, they must follow and obey the guidelines established within the FCRA. 
Recently I received a letter from LexisNexis dated XX/XX/2019 in which they stated of having to initiate disputes on my behalf with LexisNexis. This letter is a carbon copy of one of  their previous response letter dated XX/XX/2019 ( see attached ). Moreover, within my first dispute letter dated XX/XX/2019, I provided LexisNexis with a copy of my drivers license, a copy of my social security card, and a copy my LexisNexis credit report highlighting the items being disputed. Despite proper identification and authentication of my personal information, LexisNexis continues to utilize stalling tactics and techniques while stating they are unable to process my request, as they were unable to authenticate me with the information I provided. This blatant shameful stalling technique is evidenced by the enclosed LexisNexis letter dated XX/XX/2019. 
The disputed items have been addressed to LexisNexis on multiple occasions as evidenced by the several enclosed XXXX certified mail receipts. However, LexisNexis has FAILED miserably to fulfill such request, therefore evidencing a FAILED fulfillment of a reasonable investigation or FCRA requirements pursuant section 607 ( b ). If the disputed accounts can not be verified by LexisNexis, more less validated, such accounts much be promptly deleted from my credit report pursuant section 611 ( a ) ( 5 ) ( A ).

Pursuant section 611 ( a ) ( 6 ) ( B ), I have requested LexisNexis to validate the disputed accounts/items on at least seven ( 7 ) occasions through USPS certified mail letters ( see enclosed ). The FCRA, section 611 ( a ) ( 7 ) requires for LexisNexis to provide such validation/information not later than 15 days after receiving a request from the consumer for that description. However, since my fist dispute letter dated XX/XX/2019, the requested information has not been provided by LexisNexis, clearly violating section 611 ( a ) ( 6 ) ( B ), section 611 ( a ) ( 7 ) and LexisNexis roles, duties and responsibilities as a CRA under the FCRA guidelines. Furthermore, LexisNexis continues to ignore my consumer requests in accordance with the FCRA and negligently and willfully do not pursue its own required independent investigation. Therefore, due to the obvious and continued violations to my consumer rights under the FCRA, the disputed items MUST be DELETED IMMEDIATELY from my LexisNexis credit report in accordance with section 611 ( a ) ( 5 ) ( A ). 
In conclusion, if LexisNexis is unable to conduct an independent investigation to verify the disputed accounts and ensure the validity of the debt, the honesty/integrity of the creditor in question, and provide a copy of the information requested for each account, the disputed accounts MUST be DELETED IMMEDIATELY from my LexisNexis credit report and file.

Company response to consumer: Closed with explanation