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: IL

Complaint narrative:
LexisNexis and XXXX are unlawfully reporting an inaccurate and unverifiable bankruptcy ( XXXX XXXX. XXXX ) on my consumer file. 
This record has already been deleted by XXXX, confirming it can not be legally verified under FCRA 611 ( a ) standards. Despite multiple written disputes, XXXX  continues to publish this defective record, relying on data provided by LexisNexis that originated from XXXX but without any certified or signed documentation from the actual XXXX XXXX  XXXX. 

This ongoing publication of unverified, XXXX-XXXX  data constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ) and a breach of XXXX XXXX XXXX standards, which require verified, primary-source accuracy. 

Detailed Description of Violations Violation of FCRA 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Both LexisNexis and XXXX  continue to report the bankruptcy despite lacking any verifiable court record. 

The reported entry omits essential fields such as complete docket number, filing and closing dates, and certified court validation. 

These omissions violate XXXX XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) requirement that public records must be verified directly from the court of record. 

Violation of FCRA 1681i ( a ) Improper Reinvestigation Procedures I submitted several disputes providing documentation and evidence that the record is inaccurate. 

XXXX  and LexisNexis failed to perform a lawful reinvestigation, instead verifying the data through the same unreliable XXXXXXXX ( XXXX  extract ) without original court verification. 

Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) Furnishing Information with Knowledge of Inaccuracy LexisNexis, acting as a data furnisher, continued transmitting this record even after receiving multiple disputes demonstrating its unverifiable nature. 

Continuing to furnish data under these conditions demonstrates knowing and reckless disregard for statutory duties. 

Violation of the Federal Trade Commission Act, 15 U.S.C. 45 Both companies engaged in unfair and deceptive acts and practices by publishing false and misleading public record data. 

Breach of XXXX XXXX XXXX Requirements Bankruptcy data must be complete, consistent, and verified across all bureaus. 

The record remains inconsistent between bureaus ( deleted by XXXX, active with XXXX  ), confirming non-compliance with XXXX XXXX standards of uniform reporting. 

Evidence Supporting the Complaint Attached documentation ( included in my prior correspondence and supporting exhibits ) demonstrates : XXXX of XXXX  data breach impact confirming exposure of my personal identifiers. 

CFPB XXXX XXXX XXXXXXXX referencing LexisNexis correspondence XXXX that the bankruptcy data originated from XXXX  without certified validation. 

A copy of my formal dispute letters dated XX/XX/year>, demanding removal of the unverifiable bankruptcy and citing specific FCRA and XXXX XXXX violations. 

Proof that XXXX deleted the same bankruptcy entry, establishing the records unverifiability. 

Requested Resolution I respectfully request that the CFPB enforce corrective action and order : Immediate and permanent deletion of the unverifiable bankruptcy record from my XXXX  credit report and all associated LexisNexis databases. 

Written confirmation of deletion within XXXX  days of compliance. 

A full accounting of the furnishing source, verification method, and parties to whom the false information was distributed. 

Any additional penalties or enforcement deemed appropriate for willful FCRA violations under 616 and 617. 

Consumer Impact This inaccurate bankruptcy record has caused ongoing financial harm, damaged creditworthiness, and denial of fair housing opportunities. I have acted in good faith, providing all supporting documentation. The continued reporting of this unverifiable information demonstrates deliberate negligence and reckless disregard for consumer rights.

Company response to consumer: Closed with non-monetary relief