Consumer complaint received 2023-09-23
Company: LEXISNEXIS
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Validation of Bankruptcy Entry on Credit Report Dear LexisNexis Consumer Center, I hope this letter finds you well. I am writing to request the validation of a bankruptcy entry that appears on my credit report. According to my credit report, there is a bankruptcy entry listed under my name and Social Security Number. 

Name : XXXX XXXX Date of Birth : XX/XX/1969 Social Security Number : XXXX Address : XXXX 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 XXXX XXXXXXXX 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 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 Relx Corportion d/b/a as LexisNexis is securirizing 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

Company response to consumer: Closed with explanation