Consumer complaint received 2024-11-03 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: NY

Complaint narrative:
I sent the following letter to this XXXX party agency and they responded by saying the XXXX XXXXy court verifies the alleged bankruptcy for them. I contacted the US bankruptcy court and received a letter back from the XXXX XXXX  court clerk stating that they do not verify bankruptcies for credit bureaus or third-party agencies like Lexisnexus. 

I also disputed with Lexusnexis as per XXXX XXXX XXXX Privacy protections for filings made with the court. My permission is required to publish such alleged public record in which I never provided concent. 

15 USC 1681 ( 4 ) I have not received a response back yet. 


LexisNexis Risk Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it XXXX concern : 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 for 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 XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less an alleged Public RecorXXXX that was not even reported to you by the alleged court. I formally contest the reportability of the alleged public record. 

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

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXe Filed/Reported : XX/XX/year> Reference/Case : XXXX Closing Date : XX/XX/year> 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 XXXX Format compliance since XXXX per the XXXX, DNP XXXX " 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 your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation