Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, NY XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Inaccurate Bankruptcy Record Consumer Number XXXX, Case Number XXXX Dear LexisNexis XXXX XXXX, I am writing to formally dispute the continued reporting of an inaccurate bankruptcy record associated with my credit file under Consumer Number XXXX, Case Number XXXX. This matter was initially disputed in XX/XX/XXXX, but I have since learned that the verification of the disputed information was allegedly conducted by the PACER Service Center, which is not compliant with the requirements of federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ( 2 ) and 1681e ( b ) ], credit reporting agencies are required to ensure maximum possible accuracy and verify disputed information directly with the original furnisher of the data. The PACER Service Center is a third-party provider of electronic access to federal court records and does not qualify as the original furnisher of the bankruptcy information. 

The original furnisher in this case is the XXXX XXXX  XXXX for the XXXX XXXX XXXX New York XXXX XXXX ( or the applicable bankruptcy court ). Per my understanding, the court itself does not report information directly to LexisNexis or any other consumer reporting agency. Any records obtained from PACER are secondary and can not be used as a primary source of verification under the FCRA. 

It is noteworthy that LexisNexis has previously faced legal action for similar issues. For instance : Class Action Lawsuit Over Inaccurate Bankruptcy Information ( XXXX ) : LexisNexis and XXXX were accused of including inaccurate bankruptcy information in consumer reports, failing to verify the status of a consumer 's bankruptcy filing. 
XXXX XXXX FCRA Violation for Failing to Update Consumer Data ( XXXX ) : LexisNexis Risk Solutions was sued for failing to keep consumers tax lien and civil judgment data up-to-date, resulting in the reporting of outdated and inaccurate information. 
XXXX XXXX XXXX I am requesting that LexisNexis conduct a proper reinvestigation of this matter and verify the accuracy of the bankruptcy record directly with the original furnisher of the information. Alternatively, if verification can not be obtained from the original source, I respectfully request the immediate removal of this inaccurate bankruptcy record from my credit report. 

Please provide me with a detailed response to this letter, including the specific steps taken during the reinvestigation process and the name of the original furnisher of the information. 

If this issue is not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursue legal remedies as provided by law. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief