Consumer complaint received 2022-09-10
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I, XXXX XXXX XXXX, the natural consumer, a natural living breathing woman, in Good Faith, would like to bring to the attention of XXXX XXXX, XXXX, and XXXX Ithat I have recently obtained my consumer credit report and it appears you are reporting and publishing inaccurate information allegedly about me in a consumer file to the Consumer Reporting Agencies. The creditor is listed as U.S. Bankruptcy Court / US BKPT CT IL XXXXXXXX ( you ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois XXXX 

This is my formalt request in asking XXXX XXXX, XXXX and XXXX to verify if your office reported any bankruptcy files to the Consumer Reporting Agencies? ( Please See Exhibit A attached ). 

I took the liberty of the disputing this very same information with the U.S. Bankruptcy Court / US BKPT CT IL XXXX ( you ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois and they have replied to me stating that they can not and do not report to the Credit Reporting Agencies. ( Exhibit B ) Your conduct has caused me stress, financially harmed me with costs, economical/noneconomical damages, embarrassment, XXXX  anguish and loss of credit opportunity. 

Your conduct has caused me a stress, financially harmed me with costs and loss credit opportunity. 

The bankruptcy information that you are publishing about me is inaccurate and incomplete : ( XXXX ) The United States Bankruptcy Court for the XXXX XXXX of Illinois ; ( XXXX ) Case XXXX ( XXXX ) XX/XX/2018 ; ( XXXX ) Discharged/Closed. 

DELETE the bankruptcy tradeline from my file and mail me a copy of my updated consumer file. Inform any person that you reported the deleted information to that it was deleted from my report. Also, I recently applied for a mortgage and my report was frozen/blank ; unfreeze and release it! 

If you deem the disputed information are verified, then I request your method of verification. Namely, I request a description of the procedure used to determine the accuracy or completeness. At minimum, I request the business name, address, and phone number of all furnishers contacted. I also request the name, address, and phone number of furnishers contacted for the initial file data. 

You do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Thus, I request that you contact me to review credit information about me before you publish it. Also, I do not consent to you making money from use of my name and request all monies made. A facsimile or photocopy of this letter or my typewritten signature shall be treated as an original. 



I sent this While ago to all three Companies and they are still reporting this inaccurate information about me and has not removed it. The Court wrote a letter stating that they do not report this information to anyone, Please BLOCK AND REMOVE THIS INFORMATION BECAUSE THIS IS IDENTITY THEFT AND NOT A TRANSACTION INITIATED BY THE CONSUMER, THIS IS NOT A CONSUMER CREDIT TRANSACTION

Company response to consumer: Closed with explanation