Consumer complaint received 2024-04-02 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:
XX/XX/2024 Subject : Legal Obligation to Provide Proof of Debt Before Reporting Negative Information Dear LEXISNEXIS I am writing to formally request the immediate removal of an alleged debt showing as a bankruptcy. The bankruptcy reporting reference number XXXX. This account has been inaccurately reported and has not been substantiated with proof of debt. THE UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA has stated that they do not provide information to any credit reporting agencies. They cant confirm and validate that the information is 100 % accurate on XXXX. Please provide definite proof of debt. 
It has come to my knowledge that LEXISNEXIS has included negative information on my credit report without presenting any evidence or documentation to support the validity of these claims. I am deeply concerned that LEXISNEXIS has failed to uphold this legal obligation by reporting negative information without providing any evidence of the alleged debts. This unjust and unlawful practice has had a detrimental impact on my credit score and financial well-being, undermining my ability to access credit and obtain favorable terms.

Under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, it is a legal requirement for credit reporting agencies like LEXISNEXIS to provide proof of debt before reporting negative information on an individual 's credit report. This fundamental principle ensures the accuracy and fairness of the credit reporting system. Despite multiple attempts to verify the validity of this bankruptcy, I have not received any proof of debt or documentation supporting their inclusion on my credit report.

As a consumer, it is my right to have accurate and verifiable information on my credit report. The presence of these erroneous accounts has had a significant negative impact on my credit score and financial standing, limiting my ability to access credit and obtain favorable terms. 
I demand that LEXISNEXIS immediately cease reporting any negative information for bankruptcy reporting with reference number XXXX without first providing proof of debt as required by law. I demand that LEXISNEXIS provide written confirmation of the removal upon conclusion of the investigation. 
I expect LEXISNEXIS to adhere to the regulations outlined in the Fair Credit Reporting Act and ensure that my credit report is free from inaccurate and unsubstantiated information. Failure to address this request promptly and appropriately will compel me to seek legal action to protect my consumer rights. I trust that LEXISNEXIS will take swift and decisive action to rectify this situation and ensure compliance with all legal requirements regarding credit reporting. Failure to do so may warrant further legal action to protect my consumer rights and seek appropriate remedies.

IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act these reporting agencies have violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''. I did not authorize this alleged negative information to be furnished to the reporting agencies. The United States Bankruptcy Court Northern District of Georgia and Clerks Office has responded to me stating that they do not provide any information to credit reporting agencies. This is an unfair act of practice! This is also a violation of the law, and invasion on privacy, Pursuant to 16 CFR 444.4. Please remove this alleged Bankruptcy from my Credit report.

The Fair Credit Reporting Act, Section 605, is the law that regulates credit reporting agencies. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) Please contact me at the above Phone Number or Email Address if you require any additional information or documentation to process this request. I anticipate a swift and favorable resolution to this matter..

Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation