Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Re : Response to Company Reply CFPB Complaint ID : XXXX Complainant : XXXX XXXX XXXX XXXX ) Subject : Rebuttal XXXX  Failure to Remove Fraudulent Bankruptcy & LexisNexiss Violations Remain Unresolved Dear CFPB, This letter serves as my formal rebuttal and demand for escalation regarding the inadequate response provided by XXXX  in XXXX with CFPB Complaint ID : XXXX, which concerns the fraudulent and unauthorized reporting of a bankruptcy. 

XXXX. XXXX Failed to Address the Core Complaint Experians response is procedurally evasive and legally deficient. Despite their repeated reference to a public record vendor, they failed to identify the vendor or provide any evidence or validation regarding : The source of the bankruptcy record. 

The chain of custody of the data. 

Documented consent authorizing the reporting of any bankruptcy in my name. 

I did not file or authorize any bankruptcy, and the Bankruptcy XXXX has officially confirmed that it does not report consumer information to XXXX, LexisNexis, or any credit reporting agency. 

XXXX. LexisNexis Violations Were Completely Ignored in Experians Response LexisNexis remains the primary third-party vendor responsible for sourcing and sharing unauthorized public record data, including the fraudulent bankruptcy. The following remains unresolved : Violation of FCRA ( XXXX XXXX. XXXX ) LexisNexis collected and distributed my personal information without a permissible purpose or my consent. 

Violation of GLBA ( XXXX XXXX. XXXX ) My nonpublic personal data was unlawfully shared. 

Violation of FTC XXXX ( XXXX XXXX. XXXX ) The distribution of false and deceptive bankruptcy data constitutes an unfair trade practice. 

XXXX. XXXX XXXX is Legally Invalid According to FCRA XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), any item that can not be verified or that is inaccurate or incomplete must be deleted. My complaint included : A court-issued letter stating no reporting occurred from the court. 

An FTC affidavit documenting the fraudulent nature of the bankruptcy record. 

A LexisNexis XXXX XXXX, confirming their data-sharing practices. 

XXXX  failed to provide independent verification, and instead relied on an unnamed third-party vendor, thereby failing their duty under FCRA. 

XXXX. CFPB Complaint Was Closed Prematurely The issue is not resolved, and the complaint should not have been marked " Closed with Explanation ''. No corrective action has been taken by Experian or LexisNexis. The fraudulent bankruptcy remains on my report, causing : Emotional distress. 

Financial harm. 

Reputational damage. 

XXXX. XXXX Demands I am requesting the CFPB to take the following actions : Reopen the complaint and require Experian to : Identify the public record vendor. 

Provide full documentary verification. 

Delete the unverifiable bankruptcy and any related data. 

Initiate an enforcement investigation into XXXX unauthorized data sharing practices and continued violations of federal consumer laws. 

XXXX this complaint to the FTC and appropriate state authorities for further review. 

Requested Remedy ( Unchanged ) Permanent deletion of the fraudulent bankruptcy and any related public records. 

Complete removal of personal information acquired without consent. 

Written confirmation from Experian and LexisNexis that no future unauthorized reporting or data collection will occur. 

XXXX damages totaling {$320000.00} for : {$75000.00} Emotional distress. 

{$100000.00} Denial of credit and financial losses. 

{$150000.00} Punitive damages for willful violations. 

I expect an immediate response from CFPB acknowledging the need for escalation. This rebuttal is submitted in good faith under the protections of XXXX XXXX. XXXX and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation