Consumer complaint received 2022-04-23
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, a federally protected consumer, am filing this complaint against LexisNexis for violating my rights as a consumer and not responding to a letter sent to them on XX/XX/2022. ( attached labeled as Exhibit A ). After viewing my consumer report, I find that two U. S. Bankruptcy Court items listed/being reported. Per the FCRA 623 ( a ) ( 5 ) : " If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. U. S. Bankruptcy Court of MO and U.S. Bankruptcy Court of IL has both mailed me letters ( attached labeled as Exhibit B and Exhibit C ), which emphatically stated that they 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 who collect personal information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the FCRA PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed that LexisNexis has NEVER validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are not liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by the third party sources unaware to the consumer. Considering the information indicating multiple FCRA violations, I need all bankruptcy information DELETED from my credit report immediately. LexisNexis needs to provide me with copies of ALL DOCUMENTATION associated with the Public Record Accounts 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 that LexisNexis maintains under my name and social security number. Per Federal Law, LexisNexis had 30 days to complete the investigation as outlined per FCRA 623 ( a ) ( 3 ). Also per the FCRA Section 609 ( a ) ( 1 ) ( a ), LexisNexis is required by federal law to verify through physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT and/or judgement ( s )- all accounts and public information that they post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public records information is not deleted from my credit report within the next fifteen ( 15 ) days, I will be filing a complaint with my State Attorney General and also contacting my lawyer to file small claims actions against LexisNexis for 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the FCRA and CFPB.

Company response to consumer: Closed with explanation