Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I previously disputed this item, with the CFPB ( Complaint ID XXXX ) and LexisNexis Risk Solutions responded by stating they verified the information as accurate. Lexus Nexus indicated that this verification was based on information provided by a THIRD PARTY - PACER. 

Upon contacting the court directly, I was informed that they do not report to any credit bureaus, including LexisNexis, XXXX, XXXX XXXX or any other Credit Bureaus. I have AGAIN enclosed their response for your review. 

LexisNexis Risk Solutions ' initial verification of this information with the court was either a significant error or a deliberate misrepresentation. Regardless, this reporting violates the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681I ).

Since the court has confirmed they do not report to credit bureaus, the item in question can not be substantiated and must be immediately deleted from my LexisNexis Risk Solutions report. 

If LexisNexis Risk Solutions fail to remove this inaccurate information promptly, I reserve the right to pursue further legal action, including reporting LexisNexis Risk Solutions non-compliance to the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and seek arbitration monetary rewards. 

Furthermore, per Title 15 USC 1681b : Permissible Purposes of Consumer Reports- I NEVER gave written instructions for LexisNexis Risk Solutions to release my information to any third party. In fact, I have had placed a freeze on my LexisNexis Risk Solutions file since XX/XX/2023! 

This amounts to AGRAVATED IDENTITY THEFT - 18 USC 1028A because LexisNexis Risk Solutions has possession of my PERSONAL INFORMATION and are using it and distributing it WITHOUT MY WRITTEN CONSENT OR PERMISSION.

Pursuant to 15 USC 6802 I was never given an opportunity to opt-out! 

This also serves as formal notice of my intent to pursue binding arbitration regarding LexisNexis Risk Solutions ' persistent reporting of inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The following inaccurate item remains on my credit report despite repeated disputes : bankruptcy record case number XXXX My efforts to correct this erroneous information directly with your LexisNexis Risk Solutions have been unsuccessful. I have provided comprehensive documentation demonstrating the inaccuracy, including a letter from the court. LexisNexis Risk Solutions ' continued reporting of this information constitutes a willful disregard of my rights under the FCRA. 

In accordance with the arbitration provision often found in LexisNexis Risk Solutions ' consumer agreements, I demand the following : Immediate deletion of the inaccurate information referenced above. 

Full compliance with FCRA guidelines regarding reinvestigations and consumer rights. 

Written confirmation of the information 's removal and steps taken to prevent future inaccuracies. 

Failure to comply with these demands within ten ( 10 ) business days will result in the commencement of arbitration proceedings. I intend to pursue all available remedies afforded by law, including damages, costs, and attorney 's fees.

LexisNexis Risk Solutions ' pattern of disregarding consumer rights is unacceptable.

This is LexisNexis Risk Solutions ' final opportunity to rectify this situation before formal arbitration is initiated. 

Finally to LexisNexis Risk Solutions, I am writing you with this formal objection of information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand swift action on your, part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXXReporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record.

Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards from the original court!. 

This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in the consumer reports that you prepare concerning me. Your prompt attention to, this important matter is requested to comply with federal law.

Company response to consumer: Closed with explanation