Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (NJ)

Lexisnexis has been extremely negligent in the dispute process as well as reporting inaccurate information about me on my consumer report. On XX/XX/XXXX, I sent out a letter asking Lexisnexis to verify ALL information on my credit report regarding a bankruptcy they are inaccurately reporting. I provided a copy of my license as well as a truncated SSN ( for my protection due to the rise in ID theft ) on the top right corner of the letter I wrote them. They wrote back stating that they couldnt verify me ( even though I provided a copy of my license and last 4 of SSN ). I called on XX/XX/XXXX to verify myself over the phone and I thought all was well and the process would continue to go smoothly as I allowed them 45 days pursuant to 15 USC 1681i ( a ) ( 1 ) ( B ). However, 46 days later, I havent received a response which is a violation of 15 USC 168i ( a ) ( 1 ) ( B ) and a lack of exercising reasonable procedures which violates 15 USC 1681e ( b ) and showing lack of the grave responsibility they are to exercise pursuant to 15 USC 1681 ( a ) ( 4 ). I got a response on XX/XX/XXXX ( 6 weeks later ) however the letter was dated XX/XX/XXXX. They withheld their response from me for 6 weeks which further evidences their violations! They further stated, in that letter, they disputed the information with XXXX XXXX and XXXX. However, this shows lack of reasonable procedures ( once again ) as, on the lexisnexis website, they state that lexisnexis is the information provided of bankruptcy information for XXXX and XXXX. I then questioned them asking why they disputed with the other consumer reporting agencies as the question was ignored and got no answer. Furthermore, I also asked them if they are the bankruptcy information providers for XXXX  and XXXX, why would they dispute with them. This further shows lack of reasonable procedures. Lexisnexis further stated that according to their bankruptcy records the information was verified as accurate. I then asked them for a copy of their bankruptcy records and stated that, by not sending any documentation, it would suggest that they do not have the proof necessary to say the information is truly verifiable. No such records were sent which shows negligence on their part. Additionally, I asked them to provide me proof of their permissible purpose ( pursuant to 15 USC 1681b ( a ) ( 2 ) ) as they are, not only reporting inaccurate information regarding the bankruptcy that I asked them to remove from my consumer report, but they are profiting off of information that belongs to me without my consent nor was I ever notified by lexisnexis that they would do this! Due to this, I was even denied a payment plan for a pair of headphones! Lastly, in some letters they stated that I stated that the account is not mine. In no letter do I state such a thing ( please see attached ) which further proves their lack of reasonable procedures and grave responsibility that they MUST, by law, exercise. 

Please let me know any information or documents you may need