Consumer complaint received 2018-08-30
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are actually a few problems I'm having with LexisNexis. I have been disputing my LexisNexis file since early XX/XX/XXXX in order to clear up outdated addresses, incorrect addresses, and an incorrect, unverified, invalidated eviction record. I am in the process of searching for a home and all of this has been hindering me from moving forward with this. 1 ) LexisNexis has repeatedly come back to me stating that the ( truly unverified, invalidated, incorrect ) eviction record is " verified '' and " accurate ''. 2 ) Alongside the previous, under the FCRA, they are required to provide a copy of an original consumer agreement / original contract / original instrument of indebtedness bearing my signature, yet, they have not supplied this information ( and it's now XX/XX/XXXX ). 3 ) This eviction record is reported throughout my consumer file and falsely reports that I was at the plaintiff 's apartment complex during a time I absolutely was not ( XX/XX/XXXX, and more specifically, XX/XX/XXXX ), nor did I have contact with them. I was living with family and had my address changed at the very end of XX/XX/XXXX! It also does not contain pertinent information, like my SS #, DOB, and my middle name or initial! Yet, somehow, this is an " accurate '' and " verified '' record??? 4 ) LexisNexis has also not verified the validity of the false " date last seen '' with original documentation. 5 ) While many false, incorrect, and outdated address records have been deleted, there are a few that have remained that they continue to leave in my file despite my detailed requests. 6 ) After I sent in my 2nd dispute, I never got immediate confirmation that my dispute began for 2 weeks. I ended up having to call and got a rep to put the dispute through. They were about to ignore my 2nd dispute! 7 ) I just sent in my 3rd dispute and they're doing the same thing! They have not confirmed the start of my new dispute for days now. Their negligence and violations of consumer law are holding me up from obtaining housing. 8 ) I confirmed from the courthouse with calls and from information right on their website that they DO NOT supply information to 3rd parties, like credit bureaus and LexisNexis ( I specifically asked about LexisNexis when I called and I was told 'no, they do not ' ). 9 ) Therefore, this confirms for a FACT that LexisNexis has been utilizing 3rd parties, like PACER and others to " verify '' records, which means these records are not truly being verified at all as the LAW requires! As other sources have also proven, PACER, in particular, ( also ) never contains 100 % accurate information and contains incomplete, inaccurate information! The documents I attached also prove how much these 3rd parties are inaccurate as there is LOTS of false info included in these records. The PACER system does not provide complete SS # s etc. -- they're not even allowed to under the FCRA -- as it would be a violation of the FCRA and the privacy laws. Therefore, what they provide CAN NOT be 100 % accurate. And, even though they hold or pass along this info, it's STILL not enough to verify records ; they are NOT the original furnisher of the account / record. For these 3rd parties to pass along this inaccurate, incomplete information to you is a violation of my rights and of the privacy laws. I am outraged that your company, LexisNexis, continues to maintain an inaccurate, unverified, invalidated eviction record ( and outdated addresses ) as " verified '' and " accurate '' in various reports in my consumer file. Again, the eviction record in particular has hindered me from obtaining housing. Their negligent actions are very dangerous to my person and my identity as a consumer.

Company response to consumer: Closed with explanation