Consumer complaint received 2020-09-09
Company: LEXISNEXIS
State: AZ
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:
On XX/XX/2020 and on XXXX results of two reinvestigations I disputed were delivered to me from LexisNexis regarding several incorrect invalid items that were reporting on my LexisNexis Clue report. 

One item in particular that stood out was SECTION 6 RECORD NUMBER 1 on my credit file which is a Civil Judgement that is in someone else 's name. 

This particular item was also labeled as a bankruptcy Case on XX/XX/2020 after the results of the reinvestigation, but was reported on my credit file as a Civil Judgment. On XX/XX/2020 this item was then changed from being labeled as a bankruptcy to being labeled as a Lawsuit, Civil Filing, Judgment and Lien Record. 

LexisNexis also is displaying the incorrect Source of this invalid information on my credit file in SECTION 6 RECORD NUMBER 1. 

I have reached out to LexisNexis and sent all documentation concerning this error in their reporting as well. I have sent them all proof that they have the wrong persons information reporting on my file. I also have sent proof that the name in question is incorrect, but similar to my own. I have even sent LexisNexis my drivers license indicating the civil judgment can not possibly be mines because my drivers license was issued before this error in their reporting of the other person name. 

LexisNexis indicated that their Source of information was from XXXX XXXX Justice Court, which in fact, courts do not disclose information to 3rd party creditors or credit reporting agencies. 

I have have asked for the METHOD OF VERIFICATION twice from LexisNexis and twice have been denied and met with NON COMPLIANCE. 

After submitting my documents disputing these invalid items to LexisNexis, they have twice violated the Fair Credit Reporting Act by not providing me with their method of verification regarding the invalid items that i've disputed thus far. 

What they are doing is a violation of the FCRA. 

I was not provided Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report. 

I have asked the name of the person or persons or, if applicable, the trade name ( written in full ) under which such person conducts business ; and the the address ( s ) and telephone number ( s ) of the  all individuals who procured the report and conducted the investigation. 

Twice I have asked LexisNexis for their method of verification as stated in the Fair Credit Reporting Act and have not gotten a response. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know that information that verifies the information in your credit report is supposed to be in the files of the credit bureau, not the creditor. This is the Information that the credit bureaus are supposed to store in their database on every consumer. 
As well as 609 ( c ) ( E ) I am asking the Consumer Financial Protection Bureau to investigate the non compliance by LexisNexis and the disputes that i have submitted.

Company response to consumer: Closed with explanation