Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX LexisNexis Risk Solutions Attn : Compliance Department / Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Bankruptcy Reporting Case No. XXXX Request for Disclosure, Verification Method, and Permissible Purpose Lexis Nexis Risk Solutions : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, 1681i, and 1681b, to formally dispute the inclusion of a bankruptcy record in my consumer file and to request its deletion from my credit file based on the following facts.

1. Dispute of Accuracy and Verification Method ( FCRA 611 ) Your response dated XX/XX/XXXX, states that you verified the bankruptcy record using XXXX  and matched the last four digits of my Social Security number and a historical address. This method is legally insufficient. XXXX  is a public access system that does not contain full personal identifiers on purpose and is not an official source of verification. They redact personal identifying information on purpose to avoid identity theft from public records.

Moreover, the U.S. Bankruptcy Court has confirmed to me in writing that it did not and does not verify records for credit reporting purposes, a letter that I included previously with my original dispute. Under Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), a reasonable reinvestigation REQUIRES more than parroting information from third-party databases. Your reliance on XXXX  and partial identifiers fails to meet this legal standard. Additionally, Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) confirms that partial SSN/address matching can result in inaccurate reporting and does not constitute conclusive verification.

2. Request for Disclosure ( FCRA 609 ) I demand full disclosure of all information in my file related to this bankruptcy, including : A ) The complete source of the record ( court name, docket number, case file ) B ) Copies of the actual court documents used C ) The name and address of the entity that furnished the record and D ) The dates and methods by which you obtained the data.

3. Permissible Purpose Inquiry ( FCRA 604 ) You have not demonstrated a permissible purpose under FCRA 604 for obtaining and furnishing this bankruptcy record. I request : A ) The specific permissible purpose under which you obtained this record B ) A written copy of my signed authorization granting LexisNexis permission to collect and share this information. Absent a valid permissible purpose and signed consent, your reporting of this record constitutes a violation of the FCRA.

4. Demand for Deletion Because the bankruptcy record is : A ) Not adequately and legally verified with the original source, by your own admission, B ) Matched only by partial identifiers and C ) Obtained without a demonstrated permissible purpose, I demand that LexisNexis immediately delete this record from my consumer file and notify all credit reporting agencies to which it was furnished.

5. Supporting Documentation Please see the attached Exhibits A-C which outline the federal statutes, Texas statutes, various case law, and other supporting evidence which form the legal basis for my dispute. In addition, there are enclosed copies of my government-issued ID, Social Security card , and a recent insurance declaration page confirming my current address.

If you fail to comply, I am prepared to escalate this matter to the CFPB, FTC, and my state Attorney General, and pursue all remedies available under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation