Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
Complaint Details : Company Name : LexisNexis Risk Solutions Consumer File Number : XXXX Previous Dispute Tracking Numbers : XXXX, XXXX Summary of Complaint : I am filing this complaint against LexisNexis Risk Solutions for engaging in unfair and deceptive practices ( UDAP ) related to the reporting of an inaccurate bankruptcy record on my consumer file. Despite multiple disputes and legal requests, LexisNexis has failed to verify the accuracy of the bankruptcy, provided misleading responses, and obstructed the dispute process in violation of the Fair Credit Reporting Act ( FCRA ) and FTC Act.

Unfair & Deceptive Practices by LexisNexis : 1. Failure to Verify Reported Bankruptcy Record FCRA Violation & Deceptive Conduct LexisNexis continues to report a bankruptcy record without any court-certified documentation or verification from a legitimate source.

The company claims to rely on PACER for bankruptcy records, but PACER itself is not an official consumer reporting source and does not verify data accuracy for third parties.

Misleading consumers into believing PACER records are " verified '' bankruptcies is deceptive and violates consumer protection laws.

2. Improperly Redirecting Disputes to Credit Bureaus Instead of conducting an independent reinvestigation as required under FCRA 1681s-2 ( b ), LexisNexis forwarded my dispute to XXXX, XXXX, and XXXX. 
This deceptive practice misleads consumers into thinking the credit bureaus are responsible for verification, when in fact, LexisNexis is the original data furnisher and must verify the information itself. 
Shifting responsibility while failing to provide proof is a deceptive trade practice. 
3. Obstruction of Consumer Rights by Requiring Unnecessary Authentication Documents LexisNexis delayed processing my dispute by requesting multiple rounds of identity verification documents, despite having previously authenticated my identity.

These repeated, unnecessary authentication demands serve as an obstruction tactic to prevent a timely reinvestigation, violating FCRA 1681i ( a ).

Deliberately delaying consumer disputes through baseless verification requests is deceptive and unfair.

4. Failure to Delete Unverifiable Information Violation of FCRA 1681i ( a ) ( 5 ) Since LexisNexis has failed to provide any verifiable proof of the bankruptcy, it is legally obligated to delete the record from my file. 
Despite multiple requests, LexisNexis continues to report the disputed bankruptcy, knowingly harming my credit and financial standing. 
Failure to remove inaccurate data after being unable to verify it is an unfair trade practice and violates FCRA. 
5. Consumer Harm Resulting from LexisNexis ' Deceptive Practices Significant credit damage due to the false bankruptcy record remaining on my consumer file. 
Denials of credit, higher interest rates, and financial harm due to fraudulent reporting. 
Emotional distress and unnecessary legal expenses due to LexisNexis obstruction of my dispute rights.

Company response to consumer: Closed with explanation