Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: CA

Complaint narrative:
Subject : LexisNexis Failure to Properly Reinvestigate and Verify Bankruptcy Record Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondent : LexisNexis Risk Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> ________________________________________ Summary of Complaint : I am submitting this complaint against LexisNexis Risk Solutions for violating my rights under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a lawful reinvestigation of inaccurate public record data specifically, a bankruptcy that LexisNexis continues to report on my consumer file. 
________________________________________ Details : LexisNexis Consumer Number : XXXX Case Numbers : XXXX, XXXX, XXXX, XXXX, XXXX Date of Response : XX/XX/year> LexisNexis responded to my dispute by claiming they had verified the bankruptcy information using the PACER Service Center. However, LexisNexis failed to provide : 1. The actual court name, docket number, or jurisdiction tied to the alleged bankruptcy.

2. Any documentation or evidence used to confirm its accuracy.

3. A proper method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
PACER is merely a database for public court filings not a furnisher of record, and therefore can not serve as a legitimate verification source. LexisNexiss reliance on PACER summaries without certified court validation violates their obligation under FCRA 607 ( b ) to ensure maximum possible accuracy of consumer information. 
Additionally, LexisNexis forwarded my disputes to XXXX, XXXX, and XXXX, but admitted in writing that Experian never responded, leaving the reinvestigation incomplete and non-compliant with FCRA 611 ( a ) ( 2 ) ( B ). 
________________________________________ Harm Caused : Due to LexisNexiss failure to perform a proper reinvestigation, this inaccurate bankruptcy record continues to appear on my reports, adversely affecting my ability to obtain credit, housing, and financial services. The lack of transparency and failure to provide the method of verification violates multiple provisions of the FCRA and demonstrates reckless disregard for consumer accuracy rights. 
________________________________________ Requested Relief : 1. Immediate deletion of the unverifiable bankruptcy record from all LexisNexis databases and affiliated reporting channels. 
2. Written confirmation that my consumer file has been corrected and a clean report issued.

3. Full disclosure of all data sources and vendors used to verify this record.

4. Enforcement of penalties or corrective action for LexisNexiss continued noncompliance with FCRA 607 ( b ) and 611 ( a ).

________________________________________ Attachments Provided : LexisNexis Reinvestigation Letter ( XX/XX/year> ) Method of Verification Demand Letter ( current ) Proof of address and identification ( to be uploaded to CFPB portal ) Respectfully submitted, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation