Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Subject : Dispute of XXXX  Record on My Consumer Report To Whom It May Concern, I am writing to formally dispute the XXXX information that appears on my consumer report from LexisNexis. 
Upon reviewing my file, I found that the XXXX record associated with my name contains inaccurate and/or outdated information. 
The disputed XXXX  details are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Incomplete/Incorrect ) This XXXX XXXXXXXX is inaccurate and should be removed or corrected. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or outdated information. 
I request an immediate investigation into this matter and either verification or deletion of this record from my consumer file. 

However, I have confirmed that the XXXX XXXX XXXX XXXX **does not report XXXX  to credit reporting agencies**, meaning the information appearing on my report was **not provided by the court itself**. This makes the entry **unverifiable, inaccurate, and in violation of federal law**. 
Under the **Fair Credit Reporting Act ( FCRA ) ** and **federal law**, all information on a consumer 's credit report must be **accurate, verifiable, and reported by an authorized entity**. Since the XXXX XXXX XXXX XXXX  does not report bankruptcies to credit bureaus or other third-party data providers, the inclusion of this information on my report is **a clear violation of my rights and must be removed XXXX. 
Additionally, I am invoking my rights under the following federal statutes : - **15 U.S.C. 6802** - Prohibits unauthorized disclosure of financial information.

- **15 U.S.C. 1681e** - Requires consumer reporting agencies to ensure the maximum possible accuracy of information.

- **15 U.S.C. 1681b** - Limits who may access a consumer report and for what purpose.

- **15 U.S.C. 1681q** - Prohibits obtaining consumer information under false pretenses.

- **15 U.S.C. 1681c-2** - Grants consumers the right to block fraudulent information from appearing on their credit reports.

- **18 U.S.C . 1028A** - Criminalizes identity theft and the misuse of personal information. 
Because this XXXX  information was not reported by the court and is therefore **unverifiable**, its presence on my credit report constitutes a **violation of my rights under the above statutes**. If this information is not removed, I will have no choice but to escalate this matter by filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and other relevant authorities. 
I request that this bankruptcy entry be deleted from my credit file **immediately**, as required by law, and that I receive a written confirmation of its removal. 
Please conduct an immediate investigation and provide written confirmation of the results. I have enclosed a copy of my **identification** and a copy of my **credit report with the inaccurate information highlighted** to assist in your review. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe of XXXX days** from the receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation