Consumer complaint received 2020-06-27
Company: LEXISNEXIS
State: AL
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:
To Whom It May Concern On XX/XX/2020, you alleged that you " verified '' a bankruptcy because it matches an address that I've never lived at. You also claim that it is verified because of the last 4 digits of a social security number. You cant verify someone with 4 out of 9 digits of a social security number. 

Since youve already conducted your investigation I am requesting proof that you have investigated this matter and the people youve spoken to directly. I also need signed documents and anything with my ACTUAL address on it. Otherwise, you are lying about an investigation and violating my rights under the FCRA. 

You mentioned you obtained this incorrect information from Pacer. I created my own Pacer account and discovered the case number you have on my report with Pacer has someone elses address. Pacer says this account belongs to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. I keep providing proof that my address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. Also, Pacer does not give the entire social security number. It just says XXXX. How can you complete a thorough investigation in accordance to the FCRA when Pacer has someone elses address and doesnt have the entire social security? 

REMINDER : Simply typing in my name into a database that has inaccurate information is NOT an investigation. 

You did not conduct a thorough investigation. If you did you would know that there is someone in the XXXX area with the same first and last name as me who is XXXX and married. I provided proof of this and you ignore it for no reason. 
I am asking you to adhere to the law and provide me PROOF of an investigation. Meaning : People youve talked to and their contact information, documents with my signature, documents with my actual address. If you can not produce these documents than you MUST delete this from my credit report. 

According to FCRA Section 5 ( a ) ( i ) If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; Your investigation resulted in an inaccurate address and an incomplete social security number. You also never produced any documents with my signature or drivers license on it. 

Attached is a background site saying there is someone of a different race and marital status with the same name who lives at the alleged address Attached is my driver 's license with my actual address Attached is a bank statement with my actual address Attached is proof that Pacer has an address that isn't mine and an incomplete social security number Attached is a letter from Bankruptcy Court saying the information you have didnt come from them Attached is FCRA saying you must keep accurate and complete information

Company response to consumer: Closed with explanation