Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
On XX/XX/year>, I mailed a written dispute to LexisNexis regarding the reporting of a bankruptcy record. The letter was received on XX/XX/year>. In my dispute, I specifically requested : The source of the bankruptcy record, Copies of any documentation relied upon to verify the record, and Confirmation directly from the U.S. Bankruptcy Court. 
I also stated that if LexisNexis could not provide documented proof, the bankruptcy must be deleted, and all credit bureaus notified. 

Instead of conducting their own investigation, LexisNexis mischaracterized my dispute, submitted disputes to the credit bureaus on my behalf without my consent, and then issued conflicting letters : On XX/XX/year>, LexisNexis sent me a dispute results letter. On the very same day, LexisNexis also sent a letter stating they were still awaiting results from the credit bureaus. This proves LexisNexis did not verify the bankruptcy, yet they reported to me that the dispute had been resolved. 

In addition, LexisNexis failed to comply with their obligations under the FCRA because : They determined the record was accurate after referencing XXXX XXXX XXXX but did not provide documentation from the Bankruptcy Court or proof linking the record to me. 

They misrepresented my dispute. My letter stated the bankruptcy was unverifiable, yet LexisNexis recorded my dispute as : Consumer states this record is not associated to them. That is false.

They claimed they filed disputes with XXXX, XXXX, and XXXX  on my behalf, even though I never authorized them to do so. 
All letters from LexisNexis and the credit bureaus were dated the same day, suggesting their investigation was not a reasonable reinvestigation as required under the FCRA. 

XXXX, in dispute results dated XX/XX/XXXX and XX/XX/year>, listed LexisNexis as the furnisher of information, but LexisNexis had not independently verified the bankruptcy information. 

XXXX  dispute results dated XX/XX/year>, state the bankruptcy was certified as accurate without naming LexisNexis, again showing reliance on unverifiable information. 

LexisNexis provided inconsistent case numbers to credit bureaus and to me, creating further confusion and inaccurate reporting. LexisNexis actions have caused material inaccuracies on my credit file, affecting my creditworthiness and ability to obtain credit. 

Their actions demonstrate : 15 U.S.C. 1681i ( a ) Failure to properly investigate disputed information.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of reported bankruptcies.

15 U.S.C. 1681i ( a ) ( 2 ) & 1681b Unauthorized submission of disputes to credit bureaus without consumer consent.

15 U.S.C. 1681i ( a ) & 1681e ( b ) Reporting unverifiable and inaccurate information to credit bureaus.

15 U.S.C. 1681i ( a ) & 1681e ( b ) Delegating verification responsibility to credit bureaus instead of independently verifying data.

15 U.S.C. 1681i ( a ) & 1681s-2 ( b ) Providing inconsistent case numbers and inaccurate procedural information.

Company response to consumer: Closed with explanation