Consumer complaint received 2024-08-25
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 (IN)

On XX/XX/XXXX I sent a letter to the US Bankruptcy Court ( Northern District of Indiana ) in which I explained that I had been disputing a Chapter XXXX bankruptcy that was listed out of there courtroom in XXXX, IN. I explained that XXXX stated that this information listed on my report was verified by the courts and I kindly asked what there procedure or policy was on how they verify bankruptcys w/credit bureaus XXXX XXXX XXXX XXXX XXXX Lexis Nexis XXXX On XX/XX/XXXX I received the letter back from the US Northern Bankruptcy courts ( see attached letter ) in which it stated that under the Fair Credit Reporting Act federal and state laws prohibit them from giving any advice nor verifying anything that is reported on ones credit report. So I immediately sent out a letter to XXXX XXXX on XX/XX/XXXX ( see attached letter ) in which I clearly stated to them that the information you said that was verified by the US Northern Bankruptcy courXXXX was either made in error or was clearly just a plain out lie because as you will see in the letter I attached ( to XXXX XXXX From US Northern Bankruptcy Court ) it clearly states that fed and state laws prohibit them from verifying and information about ones bankruptcy nor do they have any control over how XXXX XXXX verifies this information. So that would mean that XXXX XXXX lied when they stated that the information was verified by the XXXX XXXX Bankruptcy court which would then mean that the information is inaccurate and has violated my Fair credit reporting act rights and that it should be removed immediately. Well fast forward here we are into XXXX of 2024 and I am still fighting this matter with XXXX XXXX XXXX Lexis Nexis because they either have me mistaken w/someone elses info or plain out have just made a mistake and will not erase this from my credit report. I have attached a letter received from Lexis Nexis dated XX/XX/year> in which it clearly shows that the disputed information ( XXXX  XXXX Bankruptcy ) was NOT verifiable and that it has since been removed yet however Lexis nexis & XXXX XXXX will NOT remove this bankruptcy from my credit report which I have been fighting for almost a year now. They are falsely listing something under my name and in violation of the 611B fair credit reporting act which they have violated my rights and plain out lied about the fact that the courts verified the bankruptcy. I hope that after filing this complaint that the CFPB will help me to get this XXXX  XXXX bankruptcy that is NOT MINE off of my credit report so I can finally purchase a home for me and my children because this whole matter has done nothing but cause me so many issues for no reason at all. XXXX XXXX is the ONLY credit bureau that shows this listed not XXXX or XXXX only XXXX XXXX. Please help me in getting this false information removed off my report. Thank you Sincerely, XXXX XXXX See attached files w/letters I sent to these companies.