Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against LexisNexis Failure to Delete Unverifiable Bankruptcy, Improper Handling of Disputes, and Refusal to Verify with Transparency Dear Consumer, Financial Protection Bureau, I am submitting a formal complaint against LexisNexis Risk Solutions for its failure to delete an unverifiable bankruptcy from my consumer file, despite my lawful dispute and the clear insufficiency of its so-called verification. 
I am writing to file a formal complaint against LexisNexis Risk Solutions for : 1. Continuing to report a bankruptcy that remains unverified.

2. Improperly labeling my legitimate disputes as frivolous.

3. Failing to provide transparency about the methods of verification used in their investigation.

4. Ignoring clear documentation of my correct address. 
Background : I have disputed a bankruptcy listing reported by LexisNexis, which is appearing on my consumer file and adversely affecting my financial reputation. I requested a reinvestigation of this item under the Fair Credit Reporting Act ( FCRA ) Section 611. 
LexisNexis responded by refusing to delete the bankruptcy, despite not providing any documentation or evidence to confirm its accuracy or validity. They also falsely claimed that my previous disputes were frivolous, even though I submitted relevant documentation and specific grounds for dispute. Their failure to investigate and their blanket dismissal violate my rights as a consumer. 
Furthermore, I provided proof of my correct mailing address, including a government-issued ID and recent utility bills, which LexisNexis has either ignored or failed to acknowledge in their communications.

Violations of the Fair Credit Reporting Act ( FCRA ) : LexisNexis is in violation of several provisions of the FCRA, including : FCRA 611 ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed information. Merely confirming a match on a partial SSN and a P.O. Box is not a reasonable verification of a court-recorded bankruptcy.

FCRA 611 ( a ) ( 3 ) : Prohibits a consumer reporting agency from labeling a dispute as frivolous without a clear explanation of what documentation is lacking and without giving the consumer the opportunity to correct the issue. I submitted full documentation, including proof of identity and address. 
FCRA 611 ( a ) ( 7 ) : Requires the CRA to provide the consumer with a description of the procedures used to determine the accuracy and completeness of the disputed information.

FCRA 607 ( b ) : Obligates LexisNexis to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports.

LexisNexiss " Verification '' Is Invalid : LexisNexis claims the bankruptcy was verified using : A P.O. Box ( not associated with any court of record ) The last four digits of my Social Security Number This is not proper verification of a public record. Courts do not report directly to LexisNexis, and LexisNexis is not permitted to assume accuracy based on third-party data aggregators or indirect identifiers. They have failed to provide : The actual source of the bankruptcy record US Bankruptcy The date and method of verification, The name, title, and contact number of any official or representative they allegedly communicated with to verify this record. 
Proof of My Correct Address : LexisNexis has also failed to acknowledge my current address, despite me submitting : A government-issued photo ID Multiple utility bills clearly showing my correct, current address Their failure to update or correct address information further reflects a lack of adherence to their FCRA obligations. 
I Am Requesting the CFPB to : 1. Investigate LexisNexis for failing to conduct a proper reinvestigation of my bankruptcy dispute.

2. Require LexisNexis to provide a full breakdown of their verification process, including : o The name, title, and contact info ( phone/email ) of anyone they claim to have spoken to during the investigation. 
o The dates the investigation was conducted. 
o The exact documents or sources used in their verification. 
XXXX. Delete the bankruptcy immediately if LexisNexis can not verify it with original source documentation from the court ; If LexisNexis can not provide verifiable proof, the bankruptcy must be immediately deleted from my file.

4. Stop labeling future disputes as frivolous without legal justification and clear guidance.

5. Update and correct my address information I have provided proper identification and utility bills showing my correct, current address. LexisNexis must update this and stop using incorrect address data in future correspondence or file entries 6. Provide me with written confirmation of LexisNexiss investigation, verification process, and any deletions and updates made to my file.

Enclosures : Copy of Government-Issued ID Utility Bills ( proof of current address ) Copies of Prior Dispute Letters and LexisNexis Responses LexisNexiss conduct reflects a pattern of negligence and disregard for federally protected consumer rights. I request the CFPBs immediate assistance in investigating and correcting these violations. 
Thank you for your time, attention and assistance. 
Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation