Consumer complaint received 2018-06-08
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my second complaint against LexisNexis as the first complaint went unresolved. They responded in a fabricated letter with no verifiable evidence and a link to a website that is unresponsive. They sent me a 'report ' simply stating they verified a bankruptcy via an address where I have never had any affiliation ( XXXX XXXX XXXX ). They did not provide verifiable information with my signature or documentation from the U.S. Bankruptcy Court. I provided evidence proving LexisNexis did not respond within the 30 day timeframe, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). My letter dated XX/XX/XXXX ( via certified mail ) was received by LexisNexis on XX/XX/XXXX. I spoke to a representative named XXXX on XX/XX/XXXX and he told me the review was completed on XX/XX/XXXX and would be sent out to me. I received the letter 10 days later on XX/XX/XXXX via regular mail. I have since sent a letter to XXXX XXXX, the CEO of LexisNexis, Risk Solutions. 

U.S. Bankruptcy Courts do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers ( LexisNexis ) who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Considering the information indicating a Fair Credit Reporting Act violation, the bankruptcy information currently showing under my social security number NEEDS to be PERMANENTLY DELETED from my credit report immediately. 

LexisNexis needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file they maintain under my name and social security number. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account information.

Furthermore, please note : Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number.

( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule ; and ( 6 ) a filing that is subject to 110 of the Code.

( c ) Filings Made Under Seal. The court may order that a filing be made under seal without redaction. The court may later unseal the filing or order the entity that made the filing to file a redacted version for the public record.

( d ) Protective Orders. For cause, the court may by order in a case under the Code : ( 1 ) require redaction of additional information ; or ( 2 ) limit or prohibit a nonparty 's remote electronic access to a document filed with the court.

( e ) Option for Additional Unredacted Filing Under Seal. An entity making a redacted filing may also file an unredacted copy under seal. The court must retain the unredacted copy as part of the record.

( f ) Option for Filing a Reference List. A filing that contains redacted information may be filed together with a reference list that identifies each item of redacted information and specifies an appropriate identifier that uniquely corresponds to each item listed. The list must be filed under seal and may be amended as of right. Any reference in the case to a listed identifier will be construed to refer to the corresponding item of information.

( g ) Waiver of Protection of Identifiers. An entity waives the protection of subdivision ( a ) as to the entity 's own information by filing it without redaction and not under seal. 

( Added XX/XX/XXXX, eff. XX/XX/XXXX. )

Company response to consumer: Closed with explanation