Consumer complaint received 2022-08-25
Company: LEXISNEXIS
State: NV
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 reached out to XXXX  regarding my dispute regarding a bankruptcy that is on my credit that is not mine. I reached out to bk courts only to find out the courts do not verify any information with credit reporting agencies nor third party companies. The bk courts also sent me a letter stating that they do not verify anything with the credit reporting agencies. I reached out to lexis nexis because XXXX stated that is where they get verification for public records from. I reached out to lexis nexis they also stated my file is frozen and they did not verify any information with XXXX. I have sent XXXX the letter that the bk courts sent and XXXX has disregarded the letter that states they did not verify this bk on my XXXX report. The other two credit reporting agencies has removed the erroneous bk from my report over a year ago. XXXX also removed the bk and put it back on my credit report without notification which is breaking the law. I am supposed to be within informed ( 5 ) days before reinstating anything on my credit report proving they have documentation. 

READ BELOW : Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links https : //www.ecfr.gov/XXXX XXXX XXXX XXXX  ( XXXX XXXX ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

REINSERTION READ BELOW : Reinsertion can be a serious violation of the Fair Credit Reporting Act. I suspect that XXXX unlawfully reinserted information into your credit file, I have the right under the FCRA to again dispute the inaccurate information. The credit bureau did not notify me in writing within five business days of the fact that it has reinserted the previously disputed information. In that written notice, the CRA must also provide me with contact information for the furnisher that certified the accuracy of the disputed information. 

XXXX stated they verified the bk with the courts which is a LIE! They did not verify with the bk courts whom is the ORIGINAL FURNISHER! Legal council will be stepping in soon on this matter. I'm tired of this cat and mouse game with XXXX! I will be suing for punitive damages. I have a phone log and usps trail that have kept and recorded phone calls with XXXX reps stating they verified that information with the courts which is a LIE once again. Also, all the disputes that I have filed with CFPB.

Company response to consumer: Closed with explanation