Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

I am writing to dispute the accuracy of certain information that LexisNexis has included in my consumer credit profile. This information has had a significant adverse impact on my reputation and character. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.Code 6801 ( a ) and 15 U.S.Code 6802 ( a ), I am requesting that LexisNexis promptly investigate this matter and delete the inaccurate information from your company 's database.

Ive received a copy of my public record filings from PACER, and Ive also noticed the reporting information containing the listed XXXX under my name is not reporting the same details as shown in my LexisNexis report. The Fair Credit Reporting Act title 15 U.S.C 1681 ( a ) states its a grace responsibility for reporting agencies to ensure accuracy and fairness of credit reporting. 
According to 15 U.S.Code 6801 ( a ), financial institutions are required to maintain the confidentiality of consumer information and are prohibited from disclosing such information to third-party agencies without the explicit consent of the consumer. It is my understanding that U.S. Bankruptcy Courts do not share consumer information with third-party agencies for the purpose of verifying reporting items on a consumer credit profile. Therefore, any information pertaining to my bankruptcy proceedings that LexisNexis has included in my consumer credit profile is not only inaccurate but also in violation of the FCRA. 
Furthermore, 15 U.S.Code 6802 ( a ) places the responsibility on consumer reporting agencies like LexisNexis to ensure the accuracy of the information they report about consumers. The inaccurate reporting of the bankruptcy proceedings has caused significant harm to my reputation and character, which is detrimental to my financial well-being. 
I respectfully request the following actions : Conduct a thorough investigation into the accuracy and legitimacy of the information related to my bankruptcy proceedings on my LexisNexis consumer credit profile. 
Promptly delete any inaccurate or unverified information related to the bankruptcy proceedings from your company 's database. 
Provide written confirmation of the removal of this information from my consumer credit profile, as required by the FCRA. 
Cease and desist from reporting any such inaccurate information in the future. 
I understand that the FCRA requires that consumer reporting agencies respond to consumer disputes within 30 days. Therefore, I kindly request that you expedite this investigation to ensure a timely resolution of this matter. 
Please provide me with written documentation of your actions, including any investigation findings and the resolution of this dispute. You may send the response to the address listed above. 
I appreciate your prompt attention to this matter and your compliance with the FCRA 's requirements. The removal of this inaccurate information from my consumer credit profile is crucial to my financial well-being and reputation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX