Consumer complaint received 2020-04-24
Company: LEXISNEXIS
State: VA
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: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis has an obligation according to the FCRA as furnisher of information to notify the Credit Bureaus when there is a change in the information that they furnished. Lexis Nexis did the right thing by Deleting the Bankruptcy from my Lexis Nexis File, However they failed to notify the change to XXXX  and XXXX. They failed to Notify XXXX  and XXXX  of the fact they are no longer considering the Bankruptcy associated with me in there File. Because of this fact XXXX  and XXXX  kept it on my credit report and when I disputed with XXXX  and XXXX  they notified me in writing that Lexis Nexis certified to them that the Bankruptcy is still actively associated with me in my Lexis Nexis file. 
Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) In addition to establishing accuracy requirements, the FCRA requires furnishers to investigate consumer disputes filed with the CRAs about information the furnishers provided. Note that this requirement under 623 ( b ) applies only to disputes that consumers file with the CRAs, which the CRAs forward to the furnisher. Congress amended the FCRA in 2003  with the Fair and Accurate Credit Transactions Act ( FACT Act ), which established a furnisher 's obligation to investigate disputes that consumers file directly with the furnisher.25 Those direct dispute requirements, which became effective XX/XX/XXXX, are discussed later in the article. 
Investigation Procedures. Under 623 ( b ) ( 1 ), when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. If the furnisher determines that the information it provided was incomplete or inaccurate, it must notify all nationwide CRAs to which the information was furnished of its findings.26 Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.27 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. 

Duty to Correct and Update Information. A furnisher that regularly furnishes information to CRAs is also required to notify a CRA if it has determined that previously furnished information is not complete or accurate and to correct that information.16 For example, if a bank reports to a checking account verification service that a consumer 's account was closed with an outstanding negative balance, and the consumer subsequently paid off that balance, the bank would have a duty to report that the balance had been paid off.17 The Bankruptcy was Deleted from my Lexis Nexis File they have a duty to notify the Credit Agencies specifically XXXX  and XXXX. 

My Problem is that Lexis Nexis failed to Notify XXXX  that they Deleted the Bankruptcy from my Lexis Nexis Consumer Risk File thus causing XXXX  and XXXX  to keep it on my credit report and tell me that they certified from Lexis Nexis that it is still showing on my Lexis Nexis File and if I have a problem to contact Lexis Nexis as the Furnisher of Information. This has now cost me thousands and much more every day this sits on my credit report especially with a economy down the toilet. I have consulted with Attorney and expecting to file Suite against Lexis Nexis for failing to Notify the credit bureaus that they have Deleted the Bankruptcy off my file. Lexis Nexis has a duty under he FCRA and they failed to carry out there duty thus causing me much pain and suffering. I simply ask them to Notify XXXX  and XXXX  at once that the Bankruptcy is Deleted from my Lexis Nexis Consumer File.

Company response to consumer: Closed with explanation