Consumer complaint received 2025-09-24 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: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : URGENT Formal Dispute of Inaccurate XXXX  Reporting / FCRA Violations To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX  on my LexisNexis consumer file ( Public Records section ). The XXXX  information you are reporting is not mine, is factually incorrect, and therefore violates the Fair Credit Reporting Act ( FCRA ). I request an immediate, thorough investigation and corrective action. 
Public Record being challenged : XXXX  Inaccurate reporting ( Public Records ) FCRA rights, permissible purpose, and LexisNexis obligations : I acknowledge that under the FCRA, LexisNexis may lawfully obtain and report certain public record information, such as XXXX. However, this authority is strictly limited under 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ). LexisNexis may only access, compile, or furnish consumer information including XXXX records when it is done : 1. For a permissible purpose clearly authorized by the FCRA, and 2. With maximum possible accuracy, as required by 1681e ( b ). 
Any reporting that is inaccurate, incomplete, or not properly associated with the correct consumer file exceeds your permissible purpose and constitutes a violation of the FCRA. Consumers, including myself, are expressly granted the right under 1681i to dispute and demand reinvestigation of any item that does not meet the accuracy and verification standards established by law. 
Evidence from the XXXX  XXXX ( ignored by LexisNexis ) : I have obtained a letter directly from the XXXXXXXX XXXXXXXX XXXXXXXX confirming that the court does not furnish XXXX  records to consumer reporting agencies. This letter has already been provided to your agency as evidence. Despite this, LexisNexis continues to verify and report a XXXX record against my file, overlooking both this official documentation and the clear requirements of the law. By doing so, you are knowingly ignoring verified evidence and compounding your FCRA violations. 
Specific issues/ violations : 1. Inaccurate data source claim. Your file states the XXXX  was obtained from federal XXXX  courts. That representation is false, as confirmed in writing by the XXXX  XXXX itself. Reporting information that is not accurate or traceable to a reliable public record is a violation of 1681e ( b ).

2. Failure to properly match. It appears LexisNexis failed to exercise reasonable procedures to match the alleged bankruptcy to my identity ( name, DOB, SSN ). This lack of due diligence and inadequate matching is a violation of 1681i and 1681e ( b ).

3. Exceeding permissible purpose. By maintaining and reporting an inaccurate XXXX  record tied to my consumer file despite evidence from the XXXX XXXX LexisNexis has acted outside the permissible purpose provisions of 1681b. You do not have authority under the FCRA to furnish or sell information that is demonstrably false, unverifiable, or misattributed. 
Supporting case law : The courts have consistently affirmed that consumer reporting agencies are liable for failure to ensure accuracy and proper procedures : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The XXXX XXXX held that a reporting agency may be liable under the FCRA when it fails to follow reasonable procedures to assure maximum possible accuracy of information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court ruled that a reasonable reinvestigation under 1681i requires more than a superficial inquiry ; CRAs must conduct a careful and meaningful investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed that the FCRA imposes strict duties of accuracy on consumer reporting agencies, particularly with regard to public records. 
LexisNexis continued reporting of this false XXXX  in direct contradiction to both the XXXX  Courts written confirmation and FCRA requirements constitutes willful noncompliance. 
Remedies and documents requested : Under the FCRA, I demand that you immediately take the following actions : 1. Conduct a complete investigation of the disputed bankruptcy entry and document the source ( s ) of the information.

2. Provide documentary proof that the XXXX entry is accurate and attributable to me, including certified copies ( or authenticated digital records ) showing : court name ; case number ; filing date ; names/parties in the case ; county/state of filing ; and the method by which you matched that record to my consumer file.

3. Disclose the identity of all furnishers and data vendors who supplied this bankruptcy information to you ( name, address, and contact ).

4. Explain your matching methodology ( the criteria used to match this public record to my file including any name/SSN/DOB variations and matching thresholds ).

5. Remove or correct the bankruptcy entry immediately if you can not provide the specific, verifiable documentation requested above. If you determine the information is inaccurate, you must delete or modify it and notify any person or entity that received the information from you in the previous six months, per FCRA requirements.

6. Provide a written report of the investigations findings and the corrective actions taken ( if any ) to the address above within fifteen ( 15 ) days of your receipt of this letter.

Legal remedies notice : Please be advised that failure to comply with the above will result in immediate escalation. Under 15 U.S.C. 1681n and 1681o, I may pursue : Statutory damages of up to {$1000.00} per violation, Actual damages for harm caused by your inaccurate reporting, Punitive damages for willful violations, and Attorneys fees and court costs. 
If you do not provide a full written response within 15 days, I will immediately file formal complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), and I will begin evaluating civil litigation options to protect my rights and recover damages. 
This letter is sent under reservation of rights, including my rights under the FCRA and any other applicable law. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Federal Trade Commission ( FTC ) cc : Consumer Financial Protection Bureau ( CFPB ) Exhibit A XXXX  Court Confirmation Letter ( Summary ) I have obtained and attached a letter from the XXXX XXXX XXXX XXXXXXXX confirming that : XXXX. The XXXX  XXXX does not furnish or report bankruptcy records to consumer reporting agencies such as LexisNexis, XXXX XXXX XXXX XXXX 
XXXX. Any XXXX information that appears on a consumer file is the result of third-party data collection practices, not from the XXXX  XXXX XXXX XXXX 
XXXX. As such, any claim by LexisNexis that my XXXX information was verified through the federal court system is inaccurate, misleading, and contrary to the written statement provided by the XXXX XXXX. 
This official documentation directly undermines LexisNexis reliance on public record data as a source for verifying XXXX entries. Continued reporting of this false information, despite the Courts confirmation, is a willful violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation