Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (MI)

XXXX XXXX XXXX Subject : Dispute of Unverified Bankruptcy Dear LexisNexis, I hope this letter finds you well. I am writing to formally dispute the unverified bankruptcy listing on my credit report, which has erroneously been marked as verified by XXXX and frivolous by LexisNexis. This incorrect information has seriously affected my creditworthiness and caused substantial distress, and I hereby request an immediate investigation and rectification of this matter. 

The bankruptcy in question does not belong to me due to the fact that I havent filed for bankruptcy. 

I have conducted thorough research and discovered that the bankruptcy claim in question lacks substantial evidence and verification. Moreover, I have obtained information from LexisNexis, which asserts that their assessment of this bankruptcy as frivolous directly conflicts with the verification status applied by XXXX. Such discrepancies raise concerns over the accuracy and integrity of the reported information. 

I request that your organization initiates an internal investigation into this matter, in compliance with the Fair Credit Reporting Act ( FCRA ). It is paramount that all relevant records and documentation regarding the ( XXXX  XXXX Discharged Bankruptcy - XXXX # XXXX ) be thoroughly examined for any discrepancies or inaccuracies. 

To facilitate this investigation, I have enclosed the following supporting documents : XXXX. A copy of my credit report highlighting the misrepresented bankruptcy claim. 
XXXX. Copies of the XXXX verification status report and the LexisNexis frivolous classification report. 
XXXX. Any additional pertinent documentation or evidence that supports my dispute. 

In light of the serious nature of this error and the significant impact it has had on my financial well-being, I kindly request that you take immediate action to investigate and rectify this discrepancy. To ensure swift resolution, I expect to receive written confirmation of the initiation of the investigation process within 15 days. 

I emphasize the urgency of this matter and the importance of correcting the misinformation promptly. In accordance with the FCRA, I also request that, during the investigation period, the disputed bankruptcy mark be temporarily removed from my credit profile to prevent any further harm to my creditworthiness and reputation. 

Additionally, please provide periodic updates on the progress of the investigation and any actions taken to address this issue. I fully anticipate your full cooperation and timely response as mandated by federal law. 

Failure to comply with the FCRA 's provisions and rectify this incorrect bankruptcy claim in a timely manner may result in further legal action. I trust that your organization will handle this matter with the utmost professionalism, accuracy, and diligence. 

Thank you for your prompt attention to this dispute. I look forward to a positive resolution and the restoration of my accurate credit file. 

Sincerely, XXXX XXXX XXXX