Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
Subject : Response to LexisNexis Identity Verified / Bankruptcy Must Be Deleted I am submitting this response regarding CFPB Case # XXXX in reference to the LexisNexis letter dated XX/XX/year>. I have already replied to LexisNexis with full verification information and the requested identifiers via email on XX/XX/year> to both emails : XXXX XXXX : This fully authenticates my identity under the Fair Credit Reporting Act ( FCRA ). I provided complete identifying information, and I filed this CFPB complaint under verified credentials. LexisNexis now has everything required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to continue the reinvestigation. They can no longer delay or refuse to provide the reinvestigation results. 2. The bankruptcy record is NOT legally verifiable LexisNexis states they are a reseller and do not obtain bankruptcy information directly from any court or official source. Under the FCRA : 15 U.S.C. 1681e ( b ) A CRA must maintain maximum possible accuracy. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item can not be verified, it must be deleted. In addition : PACER is NOT a legally acceptable verification source PACER is not a furnisher and does not verify the accuracy of consumer information. The XXXX Bankruptcy XXXX does not furnish records to LexisNexis or any CRA, which means LexisNexis has no legal ability to verify the XXXX  XXXX. Therefore, the record is unverifiable and must be deleted. 3. LexisNexis failed multiple FCRA duties They did NOT provide : The Method of Verification The furnisher source The business address and phone number of the furnisher The description of procedure required by 1681i ( a ) ( 6 ) ( B ) ( iii ) Their letter confirms they did not obtain, validate, or support the disputed bankruptcy data. This is a clear violation of 1681e ( b ) and 1681i. 4. Requested CFPB action I am requesting that the CFPB order LexisNexis to : Delete the Chapter 13 bankruptcy permanently from my LexisNexis file. Provide the Method of Verification used, including the exact source name. Provide the Description of Procedure required by 1681i ( a ) ( 6 ) ( B ) ( iii ). Confirm the reinvestigation results in writing. Confirm that LexisNexis will update or notify downstream data users as required by the FCRA. Because LexisNexis can not authenticate the data and can not verify its accuracy, the law requires complete deletion. 5. Legal Remedies Reserved If LexisNexis continues reporting unverifiable data, I reserve the right to pursue : 1681n willful non-compliance damages 1681o negligent non-compliance damages State AG filing FTC complaint Additional CFPB complaints Civil legal action Final Statement The disputed XXXX  XXXX bankruptcy is : unsupported unauthenticated unverifiable not furnished by any court not legally reportable Therefore, under the FCRA, it must be permanently deleted. I request the CFPB continue supervision of this matter until LexisNexis provides written proof of deletion.

Company response to consumer: Closed with explanation