Consumer complaint received 2023-05-22
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Lexis Nexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, Ga XXXX Dear Escalations Team : Thank you for responding to my XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Lexis Nexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, Ga XXXX Dear Escalations Team : Thank you for responding to my complaints XXXX and XXXX please note, both complaints are requesting information regarding how your company determines the information reported about me is accurate. I am requesting a full account of how the information was reverified. Who conducted the re-investigation at Lexis Nexis and who is the representative your company spoke with at the XXXX XXXX XXXX XXXX along with a copy of all written and digital documents ( i.e., electronic mail and scans )? Under the Freedom of Information Act and Fair Credit Reporting Act, I am entitled to this information if I believe there may be a compliance reporting issue with my Consumer Report. 
Based upon your letter dated XXXX XXXX XXXX you stated in the second paragraph, Lexis Nexis stated the following, LexisNexis initiated a dispute of the said record on her behalf. Please advise which organization, courthouse, and Consumer Reporting Agency was the dispute filed with. The documentation listed on Information for XXXX, XXXX, and XXXX Consumers reads, Lexis Nexis Risk Data Management Inc. ( Lexis Nexis ) is a provider of bankruptcy information to XXXX, XXXX, and XXXX. The documentation further states to contact your company with questions about the information. Thus, I am contacting your company directly. 
In the same letter and paragraph dated XXXX XXXX XXXXXXXX your company wrote, This investigation was resolved as of XX/XX/. During our investigation, LexisNexis determined bankruptcy record case XXXX was accurately reporting and associated with XXXX XXXX identity. Please be advised, LexisNexis was unable to provide XXXX XXXX with the investigation results because we were unable to fully authenticate XXXX XXXX identity. On XXXX LexisNexis mailed a need additional information letter directly to XXXX XXXX for her review. Please advise how the information reported is accurate if you can not identify me. 
In the third paragraph of the letter dated XXXX LexisNexis verified that bankruptcy case number XXXX is still accurately associated with and reflects an accurate case status in XXXX XXXX consumer reports prepared by LexisNexis. Since your company has admitted in this statement that you are the furnisher of information, please comply with my request regarding the complaints listed above and received from the Consumer Financial Protection Bureau. 
Please explain what this means in detail as the information is reading conflicting and confusing : In this same paragraph, your company wrote, The address originally filed on the full bankruptcy docket XXXX XXXX XXXX XXXX XXXX, NJ XXXX, obtained from Public Access to Court Electronic Records ( PACER ), is an address that has been reported to LexisNexis with XXXX XXXX full social security number by the nationwide consumer reporting agencies. The address along with the last four digits of the social security number listed on the full bankruptcy docket also matches the previous address and last four digits of the full social security number we have on file for XXXX XXXX. 
Please speak to the following questions : 1. How does the software report information to Lexis Nexis? Does this mean that Lexis Nexis has a contract with the Federal Bankruptcy Courts to receive information via automation?

2. Please share a copy of the full docket and audit performed by your company that substantiated the accuracy of the information your company is reporting. 
3. Please explain how Lexis Nexis determined my social security number is accurate when : a. Lexis Nexis has stated that your company is the furnisher of the information, and your company conducts all the investigations on behalf of the NCRAs? Please explain how these entities play a part in your companys verification process if they did not provide the information. 
b. How did your company determine the accuracy of my social security in the full docket with the last four digits? Does verification require the entire number to be verified? Based upon your companys verification process my entire social security can not be verified because XXXX only provides the last four digits of the social security number. This also goes back to the Federal Courts stating in their documentation the Federal Courts do not share bankruptcy information with your company or any other Consumer Reporting Agency. It may be difficult to confirm the validity of my social security number with a person in the Federal Courthouse to confirm accuracy. 

4. In your companys letter dated XXXX XXXX XXXX it states your company is unable to verify my identity. However, in XX/XX/ I spoke with XXXX ( Consumer ID # XXXX ) who identified me and he went on to explain that your company does not verify any information in the XXXX XXXX When your company has a moment can you speak to this in detail? 
Please note that I will be including a copy of my state-issued ID and a bill from the last 60 days as verification of my identity. 
At this point, this information should be deleted from my credit report based on the ability that your company can not verify if it is accurate. 

Best, XXXX XXXX XXXX