Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am filing this complaint because LexisNexis is continuing to publish and furnish bankruptcy information about me that is incomplete, inaccurate, and legally unverifiable. According to the letter I sent on XXXX XXXX XXXX, shown in the file, LexisNexis is still reporting two bankruptcy cases listed as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX even though both cases were dismissed and never discharged. I contacted the courthouses directly and confirmed that they do not report bankruptcy information to LexisNexis. This means the information LexisNexis obtained was taken from third party data sources such as XXXX, which is not an official furnisher system under FCRA standards and often contains outdated or incomplete records. Because these cases were dismissed, they can not be reported as active or derogatory bankruptcies under Metro2 public record guidelines.

Despite this, LexisNexis continues to provide incomplete and inaccurate information to XXXX, XXXX, and XXXX. The information being reported has no certified court documents no verification from the actual courthouse and no complete or accurate case disposition. Reporting a dismissed case as if it were a negative bankruptcy event damages my creditworthiness and violates the standard of maximum possible accuracy required under FCRA 1681e b. LexisNexis has failed to conduct a proper reinvestigation as required by FCRA 1681i because I already disputed this information and they still have not corrected it or provided any verifiable documentation. My letter also noted the factual errors and specifically requested removal, yet LexisNexis has not corrected the data. 

Both bankruptcies shown on the letter are inaccurate because they were dismissed, not XXXX. A dismissed bankruptcy does not create a legal insolvency event and can not be treated as a completed bankruptcy. LexisNexis has neglected to update or remove these records even though they acknowledged receiving my dispute and even after the courthouses themselves confirmed they do not submit data to LexisNexis. This demonstrates that the information LexisNexis is furnishing is not coming from an authorized source and can not be verified through official channels, which is a direct violation of FCRA 623 a 1 A for furnishing information that is not accurate or complete.

The inaccurate reporting from LexisNexis is now causing real harm to my credit, my financial opportunities, and my ability to access fair credit. The continued presence of these dismissed bankruptcy records in their system means the credit bureaus receive wrong information that misrepresents my financial history. I have requested deletion and asked for a corrected consumer report showing the bankruptcies removed, but LexisNexis has still not done so. 

I am requesting the CFPB to require LexisNexis to immediately delete bankruptcy records XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from their system and notify XXXX, XXXX, and XXXX  of the correction. This information must be removed because it is incomplete, inaccurate, unverifiable, and not sourced from any authorized provider. My credit file must reflect only information that is accurate complete and legally reportable.

Company response to consumer: Closed with non-monetary relief