Consumer complaint received 2020-10-22
Company: LEXISNEXIS
State: MI
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:
Under my FCRA rights, I have been filing disputes and requesting verification of the following public record/account listed on my credit reports with LexisNexis, XXXX  and XXXX since XX/XX/2020. ( All first and second round letters went certified mail & proof of letters attached with this complaint ). All three agencies continue to report on my credit record the folllowing account : XXXX XXXX XXXX/Bankruptcy # XXXX. Both XXXX and XXXX list LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX as the source of their verification onXX/XX/20 ( XXXX XXXX, XX/XX/XXXX ( XXXX  XXXX, and XX/XX/XXXX ( LexisNexis themselves ). 

After my first round of disputes, XXXX deleted this account on 09/21/20 ( file attached with this complaint ). 

LexisNexis, XXXX, and XXXX did not include the procedure used to determine the accuracy and completeness of this disputed information including the business name, date, address, telephone number and whom they spoke with as the furnisher of information. I specifically requested this information during my first/second round letters pursuant to my rights under the Fair Credit Reporting Act. Not ONE of these reporting agencies have shown proof of this account. In fact, LexisNexis sent their dispute results letter to me that as of the date listed on letter XX/XX/20 XXXX that LexisNexis have not received a response from XXXX  and XXXX!!! ( letters attached with this complaint ). 

On XX/XX/20, I called LexisNexis at the number listed in my security freeze letter at XXXX and spoke with a consumer consultant named " XXXX '' who indicated that indeed my security freeze was done on XX/XX/20 ( confirmation letter attached with this complaint ). XXXX also indicated that neither XXXX or XXXX inquired on my record on/around the dates they listed on my dispute results from BOTH credit reporting agencies. 

" XXXX '' at LexisNexis also indicated that they would begin a dispute for me with the actual courthouse listed as XXXX XXXX  XXXX  XXXX  XXXX XXXX, MI for verification. I questioned how LexisNexis dispute process works. XXXX indicated that they sent out a letter to the courthouse and they have 30 days in which to respond. I thought that's what they did when I started my online dispute on XX/XX/20?? ( proof of email attached within this complaint ). 

I contacted the XXXX XXXX XXXX XXXX  XXXX XXXX, MI and they sent me a letter indicating they do not " report individual bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus '' ( Letter from this courthouse attached with this complaint ). 

So, how is LexisNexis going to get this information verified? I also emailed XXXX  who also indicated that they do " not contact consumer reporting and credit reporting agencies ( email confirmation attached with this complaint ). Is this all a scam? 

I demand that this public record XXXX XXXXBankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of the verification date. My rights have been consistently & repeatedly violated under the Fair Credit Reporting Act, just like the Civil Case No. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Please remove this public record and send me updated credit reports. Respectfully, XXXX XXXX ( proof of identity attached with drivers license and ssn card ).

Company response to consumer: Closed with explanation