Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
I am filing this formal complaint against LexisNexis Risk Solutions and the nationwide credit bureaus ( XXXX XXXX XXXX XXXX  ) for publishing, verifying, and redistributing an unverified bankruptcy record ( Federal XX/XX/XXXX ) in violation of FCRA 604, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), as well as Metro2 Section 6.3 data consistency standards. 

Each credit bureau continues to list a different case identifier, filing court, and filing date for the same alleged bankruptcy proof that no verifiable record exists : XXXX : Case XXXX Filed XX/XX/XXXX Court : Federal XXXX  : Case XXXX Filed XX/XX/XXXX Court : US BKPT CT AL XXXXXXXX XXXX : Case XXXX Filed XX/XX/XXXX Court : U.S. Bankruptcy Court This violates FCRA 607 ( b ) ( duty to maintain maximum possible accuracy ) and 611 ( a ) ( requirement for a reasonable reinvestigation using verifiable sources ). Metro2 Section 6.3 specifically mandates uniform and identical field reporting across repositories a requirement that has been ignored. 

New Evidence : LexisNexis Admission of Non-Verification LexisNexis, the data vendor used by all three bureaus, confirmed in its CFPB response ( Case # XXXX, dated XXXX XXXX, XXXX ) that it does not receive bankruptcy data directly from the U.S. Bankruptcy Court . Instead, it obtains information from PACER, a third-party database, and cross-matches it using my address and last four digits of my SSN. 

LexisNexis further admitted that : It repackages data from PACER instead of obtaining certified court records. 

It relies on address and SSN matching from prior credit bureau data to link consumers to cases. 

It furnishes data back to the same bureaus, forming a circular verification process that fails to meet FCRA standards. 

This self-reinforcing loop means none of the data originates from an original, certified government source directly violating FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ), as well as CFPB Consent Orders ( XXXX ) that prohibit the use of unverified third-party public record vendors. 

Violations Identified 1. LexisNexis Risk Solutions Admitted reliance on PACER data and not the Bankruptcy Court. 

Acts as a reseller, not a data furnisher, yet continues to distribute unverifiable consumer data. 

Violates FCRA 604, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate, unverified public records. 

2. XXXX XXXX XXXX XXXX Failed to maintain data uniformity across repositories ( different case numbers, courts, and filing dates ). 

Failed to conduct reasonable reinvestigations using verifiable sources. 

Continued reporting despite prior disputes and notice of LexisNexis non-verification. 

Violating FCRA 607 ( b ), 611 ( a ), and Metro2 Section 6.3. 

Legal Basis for CFPB Enforcement The U.S. Bankruptcy Court has publicly confirmed that it does not furnish data to any CRA or vendor. 

LexisNexis use of PACER without authorization constitutes improper use of consumer information under 604. 

The data resold to the CRAs was not certified or authenticated, making it inherently unverifiable. 

Continued publication after notice constitutes willful noncompliance under 616 and negligent noncompliance under 617.

Company response to consumer: Closed with explanation