Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Investigation of Accounts that should be removed : Bankruptcy case # XXXX Bankruptcy case # XXXX To whom it may concern, Since you have not given me the names of persons with their addresses that you contacted for verification of the information, so that could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy XXXX  XXXX requested by the Fair Credit Reporting Act ( FCRA ) According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2. Comply with the rein investigation requirements as required by 15U.S.C. 1681 ; 3. Should not provide consumer credit file to companies without determining that there companies has a permissible purpose to obtain consumer credit files pursuant to 15 U.S.C. 168b ; 4. Provide consumer credit files pursuant to 15 U.S.C 1681g ; 5. Et seq Through this letter, I am re-submitting my request to make the reinvestigation and verification process faster. I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer disclosure report. I would also like to know about the procedure adopted to verify this claim, business name address, and phone numbers of those who have been contacted for the reinvestigation process, this is my legal right, according to the FCRA. Thus, I request you to comply with the laws and furnish me with the information I have asked for within a period of thirty ( 30 ) days.

For your convenience, I am sending you a list of the items you need to reinvestigate. These listed accounts are neither my debts nor my authorized inquires. Please correct this by the removal of these items from my credit report. 
Upon Completion of you reinvestigation, please send a detail description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the contact information of the agent conducting the said reinvestigation in case future communications is necessary. 
I know that your company will need some sort of verification to prove my identity. My information shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance in this matter.

Sincerely XXXX XXXX XXXX CC : FCRA

Company response to consumer: Closed with explanation