Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
I've opted out numerous times with Lexis Nexis ( XX/XX/XXXX, XXXX and XX/XX/XXXX ) Still getting things reported on my Credit profile without written disclosure via U.S mail. I've spoken to a few of their customer service reps who refused to help resolve this issue even when I explain this situation is a violation to the Fair Credit Reporting Act and Privacy Act of 1974. I spoke to the XXXX District of Georgia U.S. Bankruptcy Court regarding ( Ref # XXXX ; XXXX ), The United States Bankruptcy Courts explain to me that it does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. With that being said how is XXXX, XXXX and XXXX saying its been VERIFIED on my Consumer Credit Profile? An XXXX Supervisor informed me that public record information was furnished by Lexis Nexis. Then Lexis Nexis informed me Bankruptcy was public information collect PACER. The information gathered from the PACER system is a matter of public record and may be reproduced without permission. The FCRA 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. It continues to say that they don't have anything to do with the consumer reporting agencies. 15 U.S.C 1681s-2 ( 2 ) The duty of the furnishers of information is to correct and update information. The FCRA also prohibition reporting information with actual knowledge of errors. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ). LexisNexis is willfully noncomplying with the law.15 U.S.C 1681n ( a ). LexisNexis has a duty to ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. This is becoming a big headache and really hurting my credit worthiness. I've also received a copy of my Lexis Nexis report showing things reported on my profile without any written consent to myself and other parties listed on my profile without their consent. I need Lexis Nexis to removed all of these inaccurate reports off my consumer profile and send the inaccuracies to XXXX, XXXX and XXXX for their removals off of my credit profile immediately. I've been a victim of ID Theft on my XXXX Taxes. A Complaint was put in with The Internal Revenue Services.

Company response to consumer: Closed with explanation