Consumer complaint received 2020-10-27
Company: LEXISNEXIS
State: OH
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:
I have attempted on numerous occasions, to have LexisNexis verify Bankruptcy information listed on my LexisNexis Consumer Risk Report and what methods used to verify the information. 

Most recently I mailed a letter through USPS Certified Mail with Tracking information to LexisNexis ( See Attached Letter titled : LexisNexis Bankruptcy Dispute XXXX ). This letter was in response to a letter I received from LexisNexis dated XX/XX/XXXX, stating the Bankruptcy Case # XXXX was received and/or reported from Public Access to Court Electronic Records ( PACER ). The letter also stated that my full social security number was reported by PACER  and various sources including the nationwide consumer reporting agencies. This letter has the exact same language and as the letter, I received on XX/XX/XXXX ( See Attached Letter titled : LexisNexis CFPB Response XXXX ). 

The nationwide consumer credit reporting agencies, XXXX, XXXX, and XXXX  state the information regarding the bankruptcy is obtained from LexisNexis. After multiple contacts to the XXXX, XXXX, and XXXX, the nationwide credit reporting agencies, All confirmed on numerous occasions the bankruptcy information provided to them whether sold or free is verified through LexisNexis. In addition to this, the nationwide credit reporting agencies, XXXX, XXXX, and XXXX  along with PACER  do not list the full social security number. See Bankruptcy Rule 9037.. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings ( See Attached Letter titled : LexisNexis Bankruptcy Dispute XXXX ). 

I have attached copies of the letters I have sent to and received from LexisNexis. I have also attached a copy of the letter I received from the XXXX XXXX  XXXX, XXXX XXXX XXXX Ohio, XXXX, that states no information is reported to the Credit Reporting Agencies. This contradicts what LexisNexis is now saying in the letter I received dated XXXX XXXX : " We have verified that our Lawsuits, Civil Filings, Judgements and Lein Records are accurate based upon your Filing Number XXXX ( redacted ), after contacting XXXX  XXXX - XXXX XXXX Please contact the court directly if they need to update their records. '' In the letter dated XX/XX/XXXX and XX/XX/XXXX, LexisNexis states " Please be advised that while the U.S. Bankruptcy Courts may not provide information directly to consumer reporting agencies, bankruptcies are a matter of public record and can be obtained from PACER, which is an electronic public access service that allows users to obtain case and docket information online from federal courts. 

They also state " Please be aware that LexisNexis Risk Data Retrieval Services LLC ( LexisNexis XXXX XXXX ), a LexisNexis Company, sells public records to a variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX. LexisNexis RetrievalServices role is limited to providing the consumer reporting agencies data it retrieves from bankruptcy, judgments, and liens public records from primary sources in bulk. LexisNexis Retrieval Services has no role in determining what public records relate to which consumer. The consumer reporting agency determines whether to include a particular public record in a specific consumers credit file, not LexisNexis Retrieval Services ''. 

As stated in previous disputes and complaints both with LexisNexis directly as well as with CFPB, XXXX, XXXX, and XXXX  obtain bankruptcy information from LexisNexis who is telling them the bankruptcy information is accurate without properly verifying the information. LexisNexis has not verified the bankruptcy information because they are unable to. They were first saying they verified the bankruptcy information with PACER  using my full social security number and an address that I have disputed with and has removed from XXXX, XXXX, and XXXX. I have also disputed this address with LexisNexis and they have not removed it. They are also saying they verified the bankruptcy information with the courts directly listing " OHIO XXXX '' as the court name which is also inaccurate. 

LexisNexis has not provided me any documentation to show how they verified the bankruptcy information. 

If the information was provided by and verified with the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I would like the written documentation they provided LexisNexis as verification. If this information can not be provided I demand the bankruptcy information be removed immediately and documentation mailed to me confirming/showing it was removed along with an updated mailed copy of my LexisNexis Consumer Risk Report. 

Based on the attached documentation, that shows LexisNexis is not being truthful, I demand the bankruptcy information be removed from my LexisNexis Consumer Risk Report as well as notices sent to XXXX, XXXX, and XXXX  stating the Bankruptcy Information provided by LexisNexis should be removed as it can not be verified. I would also like a copy of the said notices mailed to me.

Company response to consumer: Closed with explanation