Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX, XXXX, and LexisNexis for the continued reporting, furnishing, and dissemination of an inaccurate, incomplete, and unverifiable federal bankruptcy on my consumer credit reports, despite multiple disputes and formal notices. 

All credit bureaus listed above are reporting the same alleged bankruptcy public record under conflicting reference numbers, including XXXX, XXXX, and XXXX, while XXXX and LexisNexis are furnishing and/or supplying this defective public record data to consumer reporting agencies. 

The reporting is materially inconsistent across bureaus and data sources and lacks required public record elements, rendering it unlawful under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX / CRRG standards. 

Specifically : Filing and reported dates differ across bureaus Release/closing information is missing or inconsistently reported Court identifiers and reference numbers do not align No party has produced certified court documentation No lawful method of verification has been disclosed A federal bankruptcy may not be reported unless it is complete, accurate, and capable of independent verification. Automated database matching, third-party aggregation, or disclaimer-based reporting does not meet the legal standard for verifying a federal court record. Any discrepancy in public record data renders the entire entry unverifiable and unlawful to report. 

Despite written disputes, none of the credit bureaus conducted a lawful reinvestigation, and both XXXX and LexisNexis continued furnishing or supplying defective data. LexisNexis has acknowledged that its public-record products may contain errors and require independent verification, yet the data continues to be used to support adverse credit reporting. 

This matter is further aggravated by the XXXX data breach, which exposed my personal identifying information. After that breach, XXXX  and any bureau or furnisher relying on shared or downstream data had a heightened obligation to ensure strict accuracy before continuing to report or furnish public records associated with my identity. Instead, inaccurate and inconsistent data continues to be disseminated. 

I am not requesting an update, correction, or notation. Updating defective public record data does not cure these violations. Because none of the bureaus or furnishers can demonstrate lawful verification supported by certified court documentation, continued reporting and furnishing constitutes willful noncompliance with the FCRA, XXXX XXXX standards, and the FTC Act ( 15 U.S.C. 45 ).

The continued reporting and furnishing of this bankruptcy has caused ongoing harm to my credit profile, creditworthiness, and financial opportunities.

Laws Violated FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a lawful reinvestigation FCRA 1681s-2 ( a ) ( 1 ) Furnishing information known or suspected to be inaccurate ( LCI & LexisNexis ) FCRA 607 ( b ) Reporting unverifiable public records FCRA 1681b Permissible purpose violations ( LexisNexis data use ) FTC Act ( 15 U.S.C. 45 ) Unfair and deceptive acts or practices XXXX XXXX / CRRG Standards Incomplete and inconsistent public record reporting

Company response to consumer: Closed with explanation