Consumer complaint received 2024-10-17
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 (NC)

Consumer Name : XXXX XXXX XXXX XXXX case response # XXXX Violation of Opt-Out Request, Improper Reporting of Bankruptcy Information, and Faulty Identity Verification by LexisNexis, XXXX, and XXXX I am filing this complaint due to the XXXX of LexisNexis, XXXX, and XXXX to comply with my legal opt-out request, the continued improper reporting of bankruptcy information, and the inaccurate verification of my bankruptcy based solely on an outdated address. This situation is further compounded by the fact that I submitted an Identity Theft Report related to the fraudulent bankruptcy, which should have triggered the removal of the information within 4 days as per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ).

Reason for Bankruptcy Removal Request : The bankruptcy on my credit report is fraudulent and a direct result of identity theft. I did not file for bankruptcy, and this information was placed on my credit file without my consent. I submitted a formal Identity Theft Report to both the credit reporting agencies and LexisNexis, demanding the removal of the bankruptcy from my report as per FCRA ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent information must be blocked within four business days of receiving the report.

Improper Verification : Despite my identity theft claim, XXXX and XXXX improperly verified the bankruptcy based solely on an outdated address linked to my Social Security number ( SSN ). This method of verification is inadequate and does not meet the legal requirements for ensuring the accuracy of the information. 
Furthermore, I provided written documentation from the bankruptcy court, which explicitly stated that they do not report bankruptcy information directly to credit reporting agencies or third parties like LexisNexis. Therefore, any data used by LexisNexis and the credit bureaus to verify the bankruptcy is inaccurate and unverifiable. 
Violation of Opt-Out Request : I exercised my rights under the XXXX XXXX ( XXXX XXXX. XXXX ) to opt out of the sharing of my personal information. However, LexisNexis has continued to share my personal bankruptcy records with XXXX, XXXX, and other entities, despite my explicit opt-out request. 

LexisNexis attempted to replace my opt-out request with their internal opt-out process, which does not comply with federal law. Their continued sharing of my data is a direct violation of my rights under the XXXX and other privacy regulations.! 
Legal Violations : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ) ) Failure to verify the accuracy of the bankruptcy information reported, which was based solely on an address and not properly verified.

FCRA ( 15 U.S.C. 1681c-2 ) Failure to block the bankruptcy information within four business days after receiving my Identity Theft Report.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Violation of my opt-out request by continuing to share my personal bankruptcy data with credit reporting agencies.

Privacy Act of 1974 ( 5 U.S.C. 552a ) Unauthorized sharing of my personal information without proper consent.