Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
RE : Formal Complaint, Demand for Immediate Correction, and Legal Hold To Whom It May Concern, This letter is directed to your Legal Department. A bankruptcy is appearing on my consumer reports. The credit reporting agencies claim their verification came from your products and/or reporting. Confirm in writing whether your office furnished or otherwise supplied any bankruptcy-related information about me to any consumer reporting agency. If not, state that clearly. If so, identify precisely what was furnished, when, to whom, and by what method. 
Your continued reporting or furnishing of any inaccurate, incomplete, or unverified information is a willful violation of the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits furnishers from providing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 1 ).

LexisNexis itself acknowledges that its public-records productsincluding XXXX  contain errors because source data can be reported or entered inaccurately, processed poorly or incorrectly, and is generally not free from defect, and that any data should be independently verified before reliance. Those admissions undermine any claim that you exercised reasonable procedures to assure maximum possible accuracy, as required by the FCRA. 
Critically, the use of warnings or disclaimers does not cure inaccurate reporting. Courts have repeatedly held that a CRA or furnisher can not immunize itself from liability by posting a disclaimer while still reporting misleading or inaccurate information. Your legal obligations are to ensure accuracynot to disclaim inaccuracy. 
DEMANDS FOR IMMEDIATE ACTION CEASE AND DESIST : Immediately stop furnishing, selling, licensing, or otherwise disseminating any bankruptcy-related data about me that is inaccurate, incomplete, unverified, or can not be independently substantiated with primary source records. 
PERMANENT REMOVAL : Remove all bankruptcy-related data regarding me from your databases and internal systems and retract any and all reporting to each CRA identified XXXX. 
FULL ACCOUNTING : Provide a complete XXXX XXXX showing : the source ( XXXX ) of the bankruptcy data ; dates acquired ; all downstream disclosures or licenses ; the identity of each CRA and XXXX XXXX to whom you furnished the data ; and the verification steps taken. 
UPDATED CONSUMER FILE : Send me a complete copy of my LexisNexis consumer file reflecting the permanent removal of the bankruptcy. 
Items to be retracted and removed : Bankruptcy - XXXX - I am demanding the immediate and permanent deletion of this XXXX bankruptcy record for false and unverifiable public record reporting in violation of 15 USC 1681i, 1681c, and 623 ( a ) ( 1 ) ( A ). 
This bankruptcy entry is being reported as? XXXX? with no verified liability, no creditor identifiers, and no certified record directly furnished by the XXXX Bankruptcy XXXX. The FCRA requires credit bureaus to verify all public records with certified documentation from the original source, not unverified data vendors or third-party aggregators.The court listed? XXXX. Bankruptcy XXXX, XXXX XXXX of Florida? does not report consumer information to any credit bureau or data furnisher. That means this record was obtained from a third-party data scraper with no verified chain of custody or authenticated documentation, making the reporting inherently unreliable and noncompliant with both FCRA and Metro2 standards.Reporting unverifiable or incomplete bankruptcy data is a willful act of negligence under FCRA 623 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). The data you? re publishing contains no verified asset, liability, or court-certified docket, and yet it? s being displayed as a final? XXXX? bankruptcy. This is materially misleading and damages my credit reputation.Given the national public data breach, the likelihood of compromised or misattributed public record data is even greater. 
Continuing to report unverifiable public information after a known data compromise demonstrates reckless disregard for accuracy and consumer protection obligations. 
Bankruptcy - XXXX - I am demanding the immediate and permanent deletion of this outdated and unverifiable bankruptcy record for willful noncompliance under 15 USC 1681i, 1681c, and 623 ( a ) ( 1 ) ( A ). This 2017 bankruptcy is being reported long past the lawful reporting window and without any certified verification directly from the U.S. Bankruptcy Court. The court itself has publicly stated that it does not furnish consumer data to credit bureaus? which means the bureaus are publishing this record through unverified third-party aggregators in direct violation of the Fair Credit Reporting Act and Metro2 data accuracy standards.You are continuing to publish a record that can not be authenticated, that has no verifiable source documentation, and that is legally obsolete. This record is not supported by a certified docket, original filing signature, or chain of custody linking it to my file. Reporting unverified public data is a reckless act of negligence and a clear failure to maintain the? maximum possible accuracy? required under FCRA XXXX ( b ) .Further, given the massive national public data breach, any unverified public record reporting poses a serious risk of identity confusion and false association. Continuing to verify or reinsert unverifiable data after notice of dispute constitutes willful and knowing noncompliance, subjecting the furnisher and the credit reporting agencies to liability under 616 and 617 of the FCRA. 
DELIVERY & DEADLINE Send written confirmation of permanent removal, the full accounting described above, and a copy of my corrected consumer file ( showing the bankruptcy removed ) to : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX You have XXXX calendar days from receipt of this notice to fully comply. Failure to do so will be treated as willful noncompliance under the FCRA and other applicable laws, and I will pursue all available remedies without further notice.

Company response to consumer: Closed with explanation