Consumer complaint received 2025-11-07 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:
Subject : False Bankruptcy Record Dissemination and Data Misuse by LexisNexis I am filing this complaint because LexisNexis Risk Solutions continues to publish, store, and distribute a false public record showing a XXXX  XXXX bankruptcy filed on XX/XX/XXXX, and dismissed on XX/XX/XXXX, but reported as Discharged. This misrepresentation violates several provisions of the Fair Credit Reporting Act ( FCRA ) and federal consumer data handling laws.

This same false record was identified in my prior disputes with XXXX, which sourced its data directly from LexisNexis. Despite written evidence from the U.S. Bankruptcy Court confirming the dismissal, LexisNexis continues to maintain and furnish the inaccurate record to third-party credit bureaus and data brokers.

1. Nature of the Violation LexisNexis is publishing a Discharged bankruptcy under my name, which is factually and legally false. The case was dismissed, meaning no debts were eliminated, and no discharge ever occurred. 

This inaccurate data is being distributed through LexisNexis public record reporting network, resulting in false derogatory information on my credit files. The continued use and sharing of this false record violates : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate and delete unverifiable information FCRA 1681b : Impermissible dissemination of unverified data FCRA 1681n : Willful noncompliance and entitlement to statutory and punitive damages The document on page 3 of my dispute package clearly shows that LexisNexis was formally notified of these violations and was instructed to delete the record immediately under 1681i ( a ).

2. Unverifiable Data Source LexisNexis is not a furnisher under FCRA 623, meaning it can not claim to verify consumer data through PACER, court dockets, or any public access database. 
According to the CFPBs guidance on third-party data aggregators, court information must be validated through an official source with documentary proof. Courts do not furnish consumer data directly to LexisNexis, XXXX, or any credit bureau. 

Therefore, any continued reporting of my dismissed bankruptcy constitutes the publication of unverifiable and non-furnished data, which is explicitly prohibited under 1681i ( a ) ( 1 ) ( A ). 

XXXX. Pattern of Noncompliance My prior dispute ( submitted XX/XX/XXXX ) specifically cited LexisNexis duty to : Conduct a reasonable reinvestigation under 1681i ( a ) Delete unverifiable public records from its consumer database Cease dissemination of false information to other CRAs The company has failed to comply with these obligations and has instead continued to sell or share my data with third parties, violating 1681b ( permissible purpose ) and 1681e ( b ) ( accuracy ).

By maintaining a dismissed bankruptcy as active and discharged, LexisNexis has demonstrated willful disregard for the accuracy provisions of the FCRA and knowingly distributed damaging, unverified data. 

XXXX. Harm and Impact Because LexisNexis continues to circulate this false public record : Credit bureaus ( such as XXXX  ) have re-published it as an active bankruptcy. 

Lenders have used it as a basis for denials and adverse credit decisions. 

My reputation and creditworthiness have suffered measurable harm. 

This false record also appears in data aggregation systems that report to insurers and employers, expanding the impact beyond credit alone.

Company response to consumer: Closed with explanation