Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

Dear CFPB, Re : Formal Complaint Against LexisNexis for Reporting Inaccuracies and Violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Standards I am writing to file a formal complaint against LexisNexis Risk Solutions for failing to accurately report bankruptcy information in my consumer file despite repeated requests to investigate and correct the errors. Over the past several months, I have submitted five dispute letters to LexisNexis, requesting a thorough reinvestigation of the bankruptcy data they are reporting. In response to these letters, LexisNexis has repeatedly stated that the information is accurate, claiming that the data is sourced from XXXX ( Public Access to Court Electronic Records ). However, the information they have provided remains inaccurate, even after several reinvestigations. 

Specifically, the inaccuracies in the consumer report LexisNexis is providing are as follows : Incorrect Case Number : LexisNexis reports my bankruptcy case number incorrectly.

Incorrect Court Name : LexisNexis reports the court name as New York XXXX XXXX XXXX XXXX XXXX : LexisNexis lists the court county as XXXX Incorrect Representation Status : LexisNexis falsely claims that I was not represented by an attorney during my bankruptcy. 
Incorrect Meeting Location : LexisNexis reports that my creditor meeting was held at a physical address. Which is false. 
In addition to these inaccuracies, LexisNexis has falsely claimed that I stated in my dispute letters that the bankruptcy record was not associated with me. I never made this statement. My dispute has always focused on the inaccurate details LexisNexis is reporting, not the existence of the bankruptcy itself. 

Despite numerous requests for reinvestigation over the course of several months, LexisNexis has failed to report accurately and instead affirms that they are reporting accurately. This is violating several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i : LexisNexis has failed to conduct a reasonable reinvestigation of disputed information, despite multiple requests and sufficient time to do so. 
XXXX XXXX XXXX XXXX ( b ) : LexisNexis has failed to follow reasonable procedures to ensure maximum accuracy of the information they report, which is required under the FCRA. 
Furthermore, LexisNexis has violated XXXX XXXX reporting standards, which require accurate and consistent reporting of public record information, including bankruptcy details. Their failure to adhere to these standards has resulted in the continued dissemination of incorrect information to the credit bureaus. 

I am requesting that the CFPB take action against LexisNexis for their failure to comply with FCRA and XXXX XXXX standards. I am also requesting the immediate deletion of the inaccurate bankruptcy data from my consumer file. LexisNexis has had ample time and multiple opportunities to correct these errors, yet they have failed to do so. 

Please note that I have attached supporting documentation, including copies of my dispute letters, LexisNexis ' responses, and court documents which reveal the inaccuracies in their reporting. 

Due to LexisNexis ' repeated failures to investigate and accurately report information, I intend to pursue legal action against them for willful and negligent noncompliance under 15 U.S. Code 1681n and 15 U.S. Code 1681o. If LexisNexis does not promptly correct this matter by deleting the bankruptcy public record information in its entirety, I will proceed with legal action.

Thank you for your prompt attention to this matter. Please let me know if any additional information is needed.