Consumer complaint received 2022-06-23
Company: LEXISNEXIS
State: AL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : FAILURE TO RESPOND TO PREVIOUS DISPUTE Of REMOVAL OF XXXX XXXX  BANKRUPTCY To Whom this may concern : After reviewing my credit report from XXXX and comparing it the Lexis Nexis Report you recently sent me, I noticed that there is inaccurate information with regard to the filing. 

On the notice of Bankruptcy Filing it lists the Debtor as : XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dispute 1 : 1. United States XXXX XXXX Bankruptcy : o Filed XX/XX/XXXX o Case : XXXX o Response from the United States Bankruptcy Court indicating that the Bankruptcy did NOT furnish information to verify this filing as belonging to me. 

I am Disputing this as this is not me correct spelling of my name, nor do the numbers or address on the filing belong to me or anything in relation to me. This information is inaccurate and needs to be removed from my credit bureau. No address or REG # XXXX has or was ever affiliated with my credit report. Current XXXX file does not reflect either these numbers nor my address as the one listed on the bankruptcy filing. Accordingly because of this inherent disconnect this needs to be removed immediately. 
Enclosures : 1. United States Postal Service Confirming Receipt 2. Identification of XXXX XXXX 3. United States Bankruptcy Court Verification of Bankruptcy NOT belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 4. CFPB COMPLAINT XXXX 5. Federal Trade Commission ( FTC ) Report of IDENTITY THEFT 6. Bureau of Prisons Letter of Incarceration as PROOF of IMPOSSIBILITY of filing XXXX XXXX BANKRUPTCY Under the Fair Credit Reporting Act ( FCRA ) you are required to verify, validate and ensure that all information on my credit report is reflected as accurate. As I have stated previously, and what the evidence shows, this information on my credit file that reflects, alludes to, or mentions a XXXX XXXX  Bankruptcy is inaccurate and needs to be removed. ALL information, data, and Accounts showings or indicating a XXXX XXXX Bankruptcy should be REMOVED immediately. 


RATIONALE FOR REMOVAL : 1. YOUR PUBLICATION OF MY INFORMATION IS INACCURATE AND VIOLATES THE FEDERAL CREDIT REPORTING ACT : Under the FCRA you are required to ensure that information is not only accurate but in fact, belongs to the credit file in which you are purporting the information is linked. At the time of this Filing of Bankruptcy, I was a resident of XXXXXXXX XXXX, I was not a resident of the XXXX XXXX XXXX XXXX making it Impossible to file a bankruptcy. 

2. YOU HAVE FAILED TO ENSURE THAT EXTENDED FRAUD ALERT IS PURPORTED ON MY CREDIT FILE AND THEREFORE CREDITORS/FURNISHERS HAVE NOT BEEN GIVEN NOTICE TO CONTACT ME PRIOR TO ENGAGING OF CREDIT ACTIVITIES : On or about XXXX My information was subject to the XXXX XXXX XXXX and an extended FRAUD alert was placed on my account. Accordingly, I have had issues with my identity and accounts being opened in my name fraudulently. Accordingly, an FTC filing of IDENTITY THEFT has been provided to demonstrate that this information and all information cited as BANKRUPTCY do not belong to me. 


3. UNDER FCRA 1022.24 REASONABLE OPPORTUNITY TO OPT-OUT : UNDER THE FCRA id. 1024.24 you as the FURNISHER are required to provide reasonable opportunity to OPT OUT, once a person has requested OPT-OUT you must comply and only furnish limited information about that person to any requesting activity, moreover, with this OPT-OUT provision, you are prohibited from maintaining records outside of General Information regarding the person within your database. As a result of the DATA BREACH, XXXX XXXX OPTED-OUT of allowing furnishers to have access to his information for the purposes of resale, commercial or supplementing the credit bureaus data. Accordingly, the information housed in your database is done so without my expressed permission and is not only a violation of the FCRA but violates my right to Privacy under 1974. 

4. ILLUSTRATING AGED INFORMATION AS CURRENT : Each account associated with the XXXX XXXX  Bankruptcy is inaccurate and needs to be removed along with the BANKRUPTCY FILING PETITION. As demonstrated this information does NOT belong ot me and is inaccurate. In a review of XXXX the FILING PETITION lists an ADDRESS that DOES NOT BELONG TO ME XXXX XXXX XXXX XXXXXXXX, I have never lived in XXXXXXXX XXXX  ; additionally, a FILING of bankruptcy in XXXX  with a XXXXXXXX XXXX  ADDRESS is inconsistent as XXXX XXXX is in the XXXX XXXX XXXX XXXX for BANKRUPTCY not XXXX. Again the data and inaccurate information in your system conflicts with the jurisdiction of the courts who are reporting these matters and therefore the information can NOT BE VERIFIED and needs to be removed immediately. 


Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am ordering you to cease and desist from reporting this inaccurate and erroneous information. At this time, I have been denied credit by several lending institutions citing the XXXX XXXX Bankruptcy on my credit file with XXXX. You are hereby, given noticed that If removal and updated credit report are not provided within 15 days of receipt of this correspondence this information contained in this letter combined with the Consumer Protection Financial Bureau ( CFPB ) complaint XXXX filed XXXX XX/XX/XXXX will be the basis of legal remedy sought to enjoin you from furnishing this information and to seek pecuniary damages. 


Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation