Consumer complaint received 2020-07-23
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IA)

This is my 5th ( seriously ) dispute of account information disputing a dismissed bankruptcy public record that does not belong to me. It is appearing on my credit report from XXXX. It doesnt appear on any other credit report. They were removed once Lexis Nexis removed it from my consumer file there. I Mailed in a CMRR letter notarized and sworn under oath. Explained my dispute in detail and provided XXXX  the letter from Lexis Nexis stating the bankruptcy didnt belong to me. I stated under oath the bankruptcy public record was not mine. Ive researched the address of the courthouse reporting this information. ( XXXX. XXXX  XXXX XXXX, XXXX XXXX. And also to request information. It states this is the address of the Federal Court reporting the bankruptcy information my XXXX  Credit report ( copy attached ) However my research has indicated that the address listed is incorrect and that in fact no Bankruptcy court is located at the listed address at all. Nothing exists at this address except a P.O. Box which is the address XXXX  has consistently verified as accurate. No phone number is listed. I am not a resident of Mississippi nor have I ever lived there. My first and last name is VERY common. I believe my information has a mixed file with someone else. This is a manifest injustice. A gross negligence on the part of XXXX  for failure to correct an error that has been proved as inaccurate as well as proved THAT IVE PROVIDED AMPLE AND TANGIBLE EVIDENCE for them all they have to do is actually check it. The company who XXXX  lists on its website ( Lexis Nexis Risk Services ) and in previous correspondence on verified disputes ( stated in writing Lexis Nexis verified the public record as accurate ), even tho Lexis Nexis has stated in writing that they have purged and deleted the incorrect bankruptcy from their records on me. This is bringing me to the conclusion that XXXX  is not actually sending my disputes to the furnisher of information. I have proof in writing from Lexis Nexis stating that the bankruptcy information was removed from my credit file at their company and that they sent disputes to anyone who they may have reported that information as well ( see attached ). My 2nd concern is that XXXX  is not processing my disputes in a timely fashion. According to the FCRA consumer disputes should be initiated and sent to the furnisher of information within 5 days of receiving the dispute or informs the consumer in writing why that hasnt happened. I have a certified mail Return receipt. XXXX  signed for the mailed in dispute on Tuesday XXXX, XXXX at it XXXX Headquarters in California. I filed a subsequent complaint with CFPB complaint # XXXX only after the 5 days had lapsed dispute was not being processed. The dispute was not opened until XX/XX/2020. It was certified not verified on XX/XX/2020. Well over the allowed mandated times according to the FCRA. I am once again requesting a removal of the public records in bankruptcy case # XXXX information from my XXXX  credit Report. I have new information from Lexis Nexis. ( See attached ) The bankruptcy is not mine. I have also been a victim of ID Theft. My next step is to take all my paperwork and evidence to a competent FCRA attorney and let them decide if we have enough to bring XXXX  up on charges in Minnesota. Dealing with this is driving me completely insane. This dispute process is very frustrating I see why so many people give up. Please review this new evidence and Remove it from from consumer files at XXXX. Thank you