Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

XX/XX/XXXX LexisNexis continues to improperly report and share the unauthorized and inaccurate Bankruptcy item to XXXX, XXXX and XXXX even though they claimed that they deleted the item. They are improperly reporting and are causing the other agencies to improperly report my credit data, all well. On XX/XX/XXXX, LexisNexis responded to the CFPB regarding my CFPB complaint about the unauthorized and inaccurate Bankruptcy item in which they were reporting and they stated that they located and removed the unauthorized and inaccurate bankruptcy item ( Exhibit A ). They also stated that they would update their records which would be reflected on my XXXX, XXXX and XXXX credit reports. Since that notice, I have been unsuccessful with getting XXXX, XXXX and XXXX to remove this unauthorized and inaccurate Bankruptcy item from my report and they repeatedly say it is verified from their source, LexisNexis ( Exhibit B and C ). 
My name and all variations of my name are copyrighted ( Exhibit D ) and XXXX and XXXX have received notice about the copyright and how they are not authorized to associate my copyrighted name with any Bankruptcy item, or any item that I say is unauthorized by me, including US BKPT CT MD XXXX. They still insist that their source LexisNexis verified this information and as a result the Bankruptcy has improperly remained. This issue has previously been reported to the Consumer Financial Protection Bureau and I have yet to receive justice or a resolution from any of the agencies or the Bureau. 
The same issue/complaint with LexisNexis was recently submitted on XX/XX/XXXX in which LexisNexis denied any wrongdoing and said that they would dispute the unauthorized and inaccurate bankruptcy item with XXXX, XXXX and XXXX ( Exhibit E ). It has been over 30 days since LexisNexis claim and as of yesterday XX/XX/XXXX, XXXX still states that it remains on my credit because it has been verified by their source, LexisNexis. 
Since XX/XX/XXXX, LexisNexis has been in violation of the following laws : 15 U.S. Code 1681 15 U.S. Code 1682 16 CFR 433 Pursuant 17 U.S. Code 501, I am also being violated for copyright infringement. The damages that I continue to endure due to LexisNexis unlawful practices of providing XXXX, XXXX and XXXX improper, unauthorized, inaccurate, illegal and unlawful information about me are : Repeated denials of extension of credit from all companies that I applied to Overdrawn bank accounts due to me not being extended the right for credit or to leverage credit Overdraft bank fees Closed bank accounts due to me not being extended the right for credit or to leverage credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a live and breathing human and what I am continuing to have to deal with is inhumane and continues to cause me public harm. It is disheartening to know that individuals who are being harassed by these predatory agencies are taking their own lives because they do not have access to their right to credit to sustain their Life, Liberty and Pursuit of Happiness. Fraudulent companies like LexisNexis, XXXX, XXXX and XXXX are gatekeeping and profiting off of inaccurate and unauthorized paperwork of countless living People and ultimately that is a civil and criminal offense. 
LexisNexis is ordered to ensure that XXXX, XXXX and XXXX have too located and removed the unauthorized and inaccurate Bankruptcy item and improper use of my credit from ALL profiles in which my copyrighted name is associated with, as I own all rights, title and interest to the name and all variations. Under the FCRA, I am requesting LexisNexis provide me with a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number of any furnished of information contacted. To ensure that I receive all communications from LexisNexis in case any correspondence needs to be submitted to the court, LexisNexis is ordered to communicate with me exclusively through USPS certified mail, effective immediately, except when responding to the CFPB. Lastly, LexisNexis is ordered to provide me with confirmation from each credit agency that they share my information to, stating that the Bankruptcy item from that specific agency has been located and removed. All changes are to be made within the 30 days from the date that this case was filed. This case is to remain open until I state that I understand and am in agreement with changes or proceedings. 
Best, XXXX : XXXX, Authorized Representative XXXX XXXX LIVING TRUST In good faith.