Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I hereby contest any information on my credit report that lacks verification or proper documentation, including unproven claims, in compliance with the FCRA and the recognized XXXX XXXX data field reporting standard. I firmly dispute allegations of delinquency and derogatoriness without substantiated evidence, as it goes against both federal and state law. 
Accurate and complete reporting is mandatory, and it is unacceptable to include claims known or should be known to be unlawful. I urgently request that you ensure the accuracy and correctness of all reported claims as mandated by the XXXX XXXX reporting standard. 
Furthermore, I kindly request that you furnish tangible, verifiable evidence supporting the existence of the account and its permissible usage. If this can not be provided, I insist on its removal from my credit report. I hereby grant you authorization to send me physical documentation of your actions and an updated credit report reflecting these changes.

Listed below are the Public Records that are being challenged Federal - XXXX You're reporting a XXXX  XXXX bankruptcy that? s already been deleted by both XXXX  and XXXX. Why are you still displaying it? This inconsistency violates 15 U.S. Code 1681s-2? you? re required to ensure accuracy and uniformity across all credit reports. You're also in breach of 11 U.S. Code 524 ( a ), which prohibits enforcing or implying liability on a discharged debt. Reporting a balance after discharge is illegal. I? m a confirmed victim of a data breach. You have no legal basis to continue reporting unverifiable, outdated, or compromised public record data. Delete the bankruptcy from my file. You can? t verify it, and the law doesn't give you the right to guess. Fix it now. 
If you are the entity claiming that I owe a debt and can prove it, please be aware that this is not a statement of refusal to pay. Instead, I am providing notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, that your claim appears to lack the necessary reporting mandates. Therefore, I request that you demonstrate, with factual evidence, that your reporting practices were fully compliant with the laws and standards required of you. Otherwise, your claim can not be proven and its integrity as reported is questionable, which would constitute a violation of your duty to report accurately and result in liability for you and compensation for me if I file and win lawsuits In addition, please note that this is not a request for " verification '' of my mailing address. Rather, I am requesting evidence of your valid and adequate validation process, made in accordance with 15 USC 1692g, which would lead to the reporting of verified and accurate information about me. I respectfully ask your office to promptly provide me with evidence that I have a legal obligation to pay you, despite your current failure or unwillingness to substantiate your claim ( s ) and to demonstrate that your reporting practices were ethical and fair, resulting in only truthful, accurate, and complete claims against me.

Company response to consumer: Closed with explanation