Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
I sent two letters to LexisNexis on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail to dispute inaccurate information they have published on my consumer credit report with no success. Both letters were responded to with additional copies of my consumer report and did not address the inaccurate reporting or attempt to rectify the issue at all. Therefore, I am reporting their willful noncompliance and blatant violations of the Fair Credit Reporting Act ( FCRA ) to the Consumer Financial Protection Bureau ( CFPB ).

As a consumer reporting agency governed by the FCRA, 15 U.S.C. 1681, et seq., LexisNexis has a legal obligation to ensure that all information in consumer files is accurate and free from errors. LexisNexis has inaccurately published a bankruptcy filing to my consumer report, which is in direct violation of 15 U.S.C. 1681e ( b ). On the Bankruptcy Court 's website that LexisNexis referenced in their publication on my report, it specifically and clearly states that they do not report or provide consumer information to credit reporting agencies. Furthermore, LexisNexis listed a completely different entity from the Bankruptcy Court as the source of their reporting. 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to achieve a high standard of accuracy, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX XXXXXXXX where the court highlighted the strict requirements for assuring maximum accuracy. 

Additionally, when I disputed the information and requested that LexisNexis provide me with verified documentation that illustrates I had granted them the permission in writing to report this information on my report, the requests went ignored in direct violation of 15 U.S.C. 1681i. Moreover, because neither myself or the Bankruptcy Court provided LexisNexis with this information, it is apparent that they obtained this information under false pretenses because the information is unverified and unauthenticated, which is a direct violation of 15 U.S.C. 1681g. 

Lastly, LexisNexis had absolutely no permissible purpose to report this information, because as previously stated I did not provide them with written permission granting them the right to do so. For them to still publish the information with no permissible purpose, they have also violated 15 U.S.C. 1681b.

For the foregoing reasons, LexisNexis must remove this unverified, invalid, and derogatory information from my report Under the FCRA. They have violated several sections of the FCRA, including 15 U.S.C. 1681 ( a ) ( 4 ) as well as the Privacy Act of 1974, as they have not exercised their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy as a consumer reporting agency.

I am prepared to provide all supporting documents and a copy of the dispute letters sent to LexisNexis upon request. LexisNexis 's lack of action on this matter is not only a failure in consumer protection but also a breach of the legal obligation they have to consumers under federal law. I request immediate intervention from the CFPB to resolve this matter.

Company response to consumer: Closed with explanation