Consumer complaint received 2024-10-31 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: WI

Complaint narrative:
Im writting CFPB to investigatethis matter. This is a formal complaint against Lexis Nexis Risk Solution Clear Violations of the FCRA and Metro Compliance Standards laws Reference No : XXXX To Whom It May Concern at Lexis Nexis Risk Solutions, I am writing to file a formal complaint against Lexis Nexis Risk Solutions, regarding the inaccurate reporting of [ e.g., Chapter XXXX Bankruptcy filing ] on my credit report. 

This information you are finishing on the file is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681i ( 611 ) ( p ) ( 1 ), I assert that the reporting agencies are unable to verify or modify any public record information that has been reported without following the prescribed procedures outlined in the FCRA.

Verification of Information : I question the accuracy and completeness of the information reported on my credit report, particularly regarding [ e.g., Chapter XXXX Bankruptcy ]. I would like to understand the exact sources and methods you used to verify this information. 

I am concerned that the agencies may have relied solely on partial data, such as the last four digits of my Social Security number or public records, which is insufficient for accurate identification and verification.

Use of PACER : It is my understanding that Lexis Nexis Risk Solutions has accessed public records through a third-party service like PACER ( Public Access to Court Electronic Records ) rather than directly from any funisher, institution, that could verify any accuracy. I dispute any claim that your agency obtained this information directly from PACER. I Contacted PACER through Mail, < PACER has confirmed in writing that they do not report information directly to ( LNRS ) or any credit reporting agency. Therefore, any assertion from your agency that the information was verified through PACER is inaccurate. 
Furnishing Public Record Information : I contend that Lexis Nexis RS and other agencies have not properly furnished public record information in accordance with the FCRA. Under FCRA Section 1681b, it is required that furnishers of information, upon receiving notice of a dispute, conduct a proper investigation and report the results to all consumer reporting agencies to which they furnished the information ( 1681i ( b ) ( 1 ) ( D ) ).

Since your agency can not modify public record information directly, the failure to properly investigate and validate the information constitutes a violation of FCRA 611. This inaccurate reporting must be corrected or deleted immediately. 

I have provided your agency, as well as XXXX, XXXX, and XXXX, with documentation directly from the Bankruptcy Court and PACER that supports my claim that they do not report to consumer reporting agencies. Despite providing this information, Lexis Nexis Risk Solutions has failed to investigate the dispute or modify the inaccurate information as required by law.

Request : I am requesting all information pursuant to Rule 1002 of 15 U.S.C. 1681i ( 611 ) ( p ) ( 1 ) 15 USC 1666a, and the procedure used to authenticate accuracy : where did you get this information from and how you can verify its accuracy?

I request that Lexis Nexis Risk Solutions and the other agencies immediately investigate this matter and take the necessary steps to correct the inaccurate information in the credit report. Additionally, I request that you provide written confirmation of the resolution of this dispute.

If you, Lexis Nexis Risk Solutions, fail to address this matter promptly and accurately, I will be forced to pursue further legal action.

Company response to consumer: Closed with explanation