Consumer complaint received 2021-08-31
Company: LEXISNEXIS
State: NE
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:
My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

This is my second and final request for LexisNexis to investigate and remove derogatory accounts/items from my consumer report. This complaint is in response to the consumer report you mailed to me on XX/XX/2021 that showed no changes to my consumer report nor did you provide any of the documentation I requested. I have attached a copy of the original letter that I sent as well. 


I am urging you to comply with the following Federal Credit Reporting Act regulations/violations that you have committed : FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Violations 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable investigation into disputed information 611 ( a ) ( 7 ) Failure to provide the method of verification and description of reinvestigation procedure as required in ( 6 ) ( B ) ( iii ) 611 ( a ) ( 5 ) ( A ) ( i ) Failure to delete unverified information The unverified accounts are listed below : XXXX XXXX XXXX ( ACCT. NO : XXXX ) XXXX ( ACCT. NO : XXXX ) XXXX ( ACCT. NO : XXXX ) XXXX XXXX XXXX ACCT. NO : XXXX ) As of XXXX, XXXX XXXX, LEXISNEXIS has never provided me with documented proof of a thorough investigation conducted into the items in question that are listed on my credit report ; nor have they provided me with verifiable proof of any documentation bearing my signature that I have requested multiple times. Such willful negligence is a direct violation of : FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Violation 609 ( a ) ( 1 ) ( A ) Failure to clearly and accurately disclose to the consumer proof of original contract verifying account in consumer 's name I have only, to this day, received transcripts of communication between LEXISNEXIS and the creditors listed through their E-OSCAR system, using ACDV forms ( a common practice with consumer data agencies ), which automatically yields the disputed accounts as verified.

If I am remiss, I immediately demand the following : Transcripts of human communication between LEXISNEXIS and each creditor listed, in which they can provide proof that the actual dispute letters were sent to the creditors, ( and not automatically ran through their E-OSCAR system generating a pre-populated code onto an ACDV form and read to the creditor ) ; yet a common practice with CRAs.

Communication responses from the creditor each time an actual dispute letter was sent to them and their actual written and documented response, which XXXX  should have in their record The documentation that LEXISNEXIS should have on file in regards to the creditors alleged attempts to contact me in regards to : FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : and in regards to the actual dispute letters that the creditors should have received and investigated and henceforth notified me via mail of such investigation while also notifying LEXISNEXIS ; seemingly, if no actual hardcopy dispute letters were sent and received by the creditors, then LEXISNEXIS has never actually conducted an actual investigation with the four creditors listed in regards to FCRA 611 ( a ) ( 1 ) ( A ) Dates, and times of the actual human to human interaction in which LEXISNEXIS should have in their records I am beyond the statute of limitation time frame to seek compensatory damages in regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Filing suit in small claims court is simply something I do not want to do as LEXISNEXIS can easily solve this matter by removing these accounts from my consumer report.

At this point, this is strictly a legal issue, as no other governing body, including the Consumer Finance Protection Bureau, can make a ruling on this matter. I have exhausted all of my resources as only the local court system can articulate and ultimately decide whether or not my rights were violated and whether or not I am owed compensatory damages. THIS IS MY FINAL ATTEMPT TO MANDATE THE DELETION OF THESE FOUR UNVERIFIED ITEMS.

Company response to consumer: Closed with explanation