Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding LexisNexis Risk Solutions and their handling of a disputed bankruptcy record ( Case No. XXXX ), which continues to be inaccurately associated with my consumer file. 

In their XX/XX/year> response to CFPB Case # XXXX, LexisNexis stated that the bankruptcy information was verified through the Public Access to Court Electronic Records ( PACER ) system. However, PACER is merely a portal that grants access to public court documentsit is not an originating source. LexisNexis did not verify this record directly with the actual U.S. Bankruptcy Court that allegedly filed the case, and they have provided no original documentation to validate that I am, in fact, the individual named in that record. 

Request for Proof I am demanding that LexisNexis provide documented proof linking me to this bankruptcy filing. Specifically, I request : Certified court documents bearing my legal signature or Documents submitted by me personally or on my behalf to the court, establishing that I filed or was involved in Case No. XXXX. 

Without such evidence, this record is unverifiable and must be removed immediately from my consumer file, per the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) LexisNexis actions violate multiple provisions of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., including but not limited to : 1. 15 U.S.C. 1681e ( b ) Failing to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
2. 15 U.S.C. 1681i ( a ) Failing to conduct a reasonable reinvestigation after notice of dispute. 
3. 15 U.S.C. 1681g ( a ) Failing to provide complete disclosure of the information in my file. 
4. 15 U.S.C. 1681s-2 ( b ) Failing to correct or delete inaccurate information following dispute notification. 

Legal Action Notice Due to these clear statutory violations and the resulting harm to my reputation and credit, I will be initiating legal proceedings on XX/XX/year>. Under the FCRA, I am entitled to statutory damages of up to {$1000.00} per violation, as outlined in : 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance LexisNexis will be held liable for each violation affecting my rights as a consumer. 

Requested Relief I respectfully request that the Consumer Financial Protection Bureau : Investigate LexisNexis reliance on PACER without direct court confirmation or original documentation. 

Require LexisNexis to produce verifiable proofspecifically documents bearing my signature or clearly linking me to the alleged bankruptcy. 

Instruct LexisNexis to remove the disputed bankruptcy record from my file if such proof can not be provided. 

Consider enforcement action against LexisNexis for ongoing violations of federal consumer protection laws. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation