Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS (IL)

I am writing to dispute the inclusion of a [ XXXX, and XXXX on my credit report, which you previously verified as accurate. However, upon further investigation, I have discovered that the information was verified incorrectly. In your previous response, you stated that the information was verified with the court. However, after contacting the court directly, I have obtained confirmation that they do not report to you or any credit bureau for that matter. Enclosed is the response from the court supporting this fact. Therefore, your initial response verifying the item with the court was either an error or a misrepresentation of the facts. Either way, it does not comply with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 16811 ), which requires accurate reporting by credit bureaus. I have a record from your bureau appearing on my credit report, and I have disputed this item with all three major credit bureausXXXX, XXXX, and XXXXall of which confirmed the record was verified by you. I request that you provide clarification on the procedure used to verify records with the credit bureaus. Additionally, I demand that you delete the inaccurate [ Public Record Name/Reference No. ] from my credit report immediately, as it is damaging to my creditworthiness and financial reputation. Please provide written confirmation once the record has been removed from my credit report. I expect prompt action on this matter and will continue to monitor my credit report to ensure that the necessary corrections have been made. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX ] Enclosures : [ Include any documentation, such as the court 's response, supporting your dispute ] Ensure to include your personal details and any relevant documentation to support your dispute. Sending the letter via certified mail with a return receipt requested can help ensure it's received and processed promptly by the credit bureau. I am writing to dispute the bankruptcy information listed on my credit report. According to my records, there is an inaccurate bankruptcy filing listed on my credit report. I request that you investigate this matter and remove the bankruptcy from my credit report as soon as possible. Here are the details of the inaccurate bankruptcy information : Enclosed are copies of supporting documents that prove the inaccuracies in the bankruptcy information on my credit report. These documents include [ list any supporting documents you are enclosing, such as bankruptcy discharge papers, court documents, or letters from creditors ]. I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. Please provide me with written confirmation once the bankruptcy information has been removed from my credit report. Thank you for your prompt attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.