Consumer complaint received 2023-10-10
Company: LEXISNEXIS
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX XXXX LexisNexis Consumer Center XXXX XXXX XXXX XXXX XXXX Request for Validation of Bankruptcy Entry on Credit Report from XXXX XXXX XXXX LexisNexis Consumer Center , I hope this letter finds you well . This is a notice that XXXX. XXXX is a government contracted corporation purchasing consumer using information from government contracted databases judicial, police, collegiate and any government entity you can think of XXXX XXXX XXXX has access to the information through government contracts and XXXX XXXX XXXX is trading this consumer information on the XXXX  XXXX XXXX. XXXX XXXX XXXX does not have permission to have access to my social security number nor any of my information and is improperly validating entries on my credit report in violation of the Fair Debt Practices Act of 1970 and violations of 15 USC Section 168. This is also a violation of the SEC by selling personal information on the NY XXXX XXXX and also being a verification for the credit reporting agency through their company LEXIS NEXIS is a conflict of personal interest. I am writing to request the validation of a bankruptcy and asking for the validation to be under oath from the court official or this is improper use of my credit report by entry that appears on my credit report. According to my credit report, there is a bankruptcy entry listed under my name and Social Address : XXXX XXXX  XXXX XXXX XXXX, MO XXXX I am requesting validation of this bankruptcy entry to ensure the accuracy of the information being reported on my credit file. It is crucial to me that the information on my credit report is correct, as it can significantly impact my financial opportunities and creditworthiness. According to the Bankruptcy Court they do not report to credit reporting agencies and non-credit transaction which you are a non-credit agency. I have not granted your agency permissible purposes to report defaming information to my credit report according to the FCRA 12 CFR 1022 and Federal Regulations 79308. I am under duress to provide validation of my identity to a company who is stealing my personal information. I have a right to dispute inaccurate unverifiable information and access to my file is limited without proper authorization and validation that I gave you permission or you validated with the court using proper disclosure documents signed by me according to15 USC 1681b. Please provide me with the following information : Verification that the bankruptcy entry is accurate and belongs to me in accordance with 15 USC 1681b with proper wet ink validation documents and affidavits under oath of who provided your corporation with the documents and your validation procedure including the chain of command of who you spoke with and whom provided documents under oath of who provided your company with an investigative report relevant documents associated with this bankruptcy filing. The name and contact information of the reporting creditor or entity that provided this information to LexisNexis. I understand that you are required by law to investigate this matter and provide a response within 30 days of receiving this request, as per the Fair Credit Reporting Act ( FCRA ). Please send the requested information to the address listed above. If, after your investigation, you find that the bankruptcy entry is inaccurate, I request that it be promptly corrected or removed from my credit report. Additionally, if you are unable to verify the accuracy of this entry, I ask that it be deleted from my credit file. Thank you for your prompt attention to this matter. I look forward to receiving your response within the legally mandated timeframe. Should you not conduct a thorough investigation or use a system such as E-Oscar and not a in person investigation. I will be filing a complaint with the SEC and other federal regulatory because XXXX XXXX XXXX as LexisNexis is securitizing Consumer information for a new issue and selling personal information on the secondary market for substantial profits which is a criminal violation of identity theft and I will report it to the FTC and the Federal Ombudsman for a thorough investigation. XXXX XXXX. I do not trust XXXX, XXXX nor LEXIS NEXIS. They are a criminal enterprise.

Company response to consumer: Closed with explanation