Consumer complaint received 2019-12-18
Company: LEXISNEXIS
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've had complications with Lexis Nexis. I sent my original dispute on XX/XX/2019 at XXXX XXXX  which reads : " Hi, Attached is the supporting documentation for the public record dispute and referenced consumer # XXXX. 

I was informed by Lexis Nexis that this public record was verified via US Bankruptcy Court. Per the disclosed letter received directly from US Bankruptcy Court, the Deputy Clerk advised the courts DO NOT verify information with credit bureaus. 

The information your reporting is inaccurate, Lexis Nexis was dishonest in stating it was verified by the courts - because it WAS NOT. And I am requesting that this inaccurate public record be DELETED IMMEDIATELY. 

Please see attachment. 


Thanks, XXXX XXXX Following my original dispute sent XX/XX/2019, I received an untimely letter from Lexis Nexis on XX/XX/2019 that states " After a reinvestigation of the data, Lexis Nexis updated the disposition date for Bankruptcy Case # XXXX listed on your LexisNexis RiskView Report .Please note that the Fair Reporting Act gives you the right to Request a description of the procedure used to determine the accuracy of dispute information, including the business name and address, and telephone number, of any furnisher of information contacted. 

Following that I called XX/XX/2019, requesting a description of re-investiagtion which was declined. I then sent a detailed 3 page letter on XX/XX/2019, requesting that Lexis Nexis disclose information regarding investigation and that evidence and detailed information of procedure and who and when information was obtained proving accuracy. 

On XX/XX/2019, Lexis Nexis responsed untimely AGAIN ( beyond 30 days ), sending the same generic response " After a reinvestigation of the data, Lexis Nexis updated the disposition date for Bankruptcy Case # XXXX listed on your LexisNexis RiskView Report .Clearly violating my FCRA rights, ignoring my request,  responding untimely, and failing to garnish documents showing the alleged accuracy of this Public Record. 

On XX/XX/2019, I called Lexis Nexis and spoke with XXXX for 45 minutes. On that call, XXXX advised me that they obtained accuracy from the court house and I again asked that he disclose additional information regarding that investigation and any information obtained. He failed to do so. When asked if my request to a reinvestigation was received on XX/XX/2019 was received, XXXX confirmed it was. When asked if he received the letter received DIRECTLY from the courthouse that states they did not and do not verify bankruptcies, he confirmed yes it was received. I advised I received Lexis Nexis letter late and requested a deletion, I also advised they failed to my request  of a description of procedure that was used to determine the accuracy as per my FCRA rights. I proceeded to request a deletion from failure to respond with requested information. XXXX, declined. 

This Public Record has affected me greatly and I have already taken the proper steps to contact Lexis Nexis regarding this inaccuracy for resolution. They have failed to respond with requested information and has responded untimely with every generic response .I am requesting that they provide a descriptive explanation of their investigation ( from the courts ) with requested information as listed below : * Please advise how your investigation was completed by providing evidence and answering all 10 questions below. 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 

2.What certified documents were reviewed to conclude your investigation? 
3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will ceased __ If they can not supply ALL of the above information in 15 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I am requesting immediate and permanent removal of this item from my credit report.

Attached also : Letter fr
om United Stated Bankruptcy Court that states they do not report to credit bureaus or agencies.

Company response to consumer: Closed with explanation