Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
Subject : Dispute Investigation Results and Request for Action Under FCRA and Related Laws XXXX I am writing in response to the recent dispute investigation results concerning my credit report, which I submitted on XX/XX/year>. After reviewing your communication, I believe that the investigation was not conducted thoroughly and did not fully consider the evidence I provided. Therefore, I am requesting that you take immediate action based on the following points, in compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws : 1. Inaccurate Verification Process : You indicated that a full investigation was conducted. However, as I have already stated, courts are not open on weekends or holidays, which makes it impossible for verification to occur within the specified timeframe. According to 15 U.S.C. 1681b ( 2 ), credit reporting agencies and data furnishers are required to ensure the accuracy of the information provided in a credit report. The failure to verify information properly violates these accuracy standards and undermines the credibility of the credit reporting system.

2. Court Documentation : I have attached a document from the court stating that they do not report or verify information to credit agencies. Under 15 U.S.C. 1681b ( 2 ), only verified and accurate information should be included in credit reports. Since the court does not engage in the reporting or verification of such information, it is clear that the bankruptcy entry on my report can not be substantiated.

3. Failure to Comply with Investigation Requirements : Under 15 U.S.C. 1681 ( q ), any false information that is knowingly reported to a credit reporting agency can result in liability. If the data furnisher knowingly provided inaccurate information regarding this bankruptcy, this would constitute a violation of the FCRA. As the bankruptcy was unverifiable, it is clear that it should have been removed from my credit file under 15 U.S.C. 1681c-2, which requires the deletion of unverifiable information. If the information has not been removed, I request that you provide an explanation as to why this was not done in accordance with the law. 
4. Potential Criminal Implications of Identity Theft : If the data in question was reported under false pretenses or involved the misuse of my personal information, it could also fall under 18 U.S.C. 1028A, which addresses identity theft. If this situation involved any form of identity theft or fraud, I would urge you to take the necessary steps to investigate this matter further and ensure that any criminal activity is reported to the appropriate authorities. 
Given the above, I request that you immediately take the necessary steps to remove this unverifiable and inaccurate information from my credit report, in full compliance with the Fair Credit Reporting Act and other applicable laws. The continued reporting of inaccurate information violates my rights as a consumer and undermines the integrity of my credit file. 
Please confirm the removal of this entry at your earliest convenience and provide a detailed explanation if the information remains on my report. If you require any additional documentation, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX Email : XXXX IMPOSSIBLE THAT IT GOT VERIFIED IN 4 BUSSNESS DAYS I DEMAND THIS TO BE DELETED

Company response to consumer: Closed with explanation