Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis, currently is reporting information without consent of the consumer, to other third party consumer reporting agencies.

The courts presented a letter stating " NO BANKRUPTCY COURTS REPORT ANY INFORMATION TO CREDIT AGENCIES. '' Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

" according to The Fair Credit Reporting act 15 usc 1681 sec 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. As the consumer I have the right to make sure my private information isn't shared which is backed by 15 usc 6801 " It is the policy of the Congress that each finanacial institution has an affirmative and continuing obligation to respect the privacy of its customers ' nonpublic personal information. '' 15 usc 1681 sec 604 sec 2 states " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' LEXIS NEXIS agency does not have my consent to furnish this information and they do not have my written consent. Any and all consent to LEXIS NEXIS whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 usc 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' LEXIS NEXIS, never informed me of my right to exercise my nondisclosure option, in addition 15 usc 1681C ( a ) ( 5 ) states : " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is again against the law.

15 usc 1681s-2 ( a ) ( 1 ) states : a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 usc 1681 ( e ) states : " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681 ( c ) of this title and to limit the furnishings of consumer reports to the purposes listed under sec 1681 ( b ) of this title. '' LEXIS NEXIS is not maintaining reasonable procedures.

12 CFR 1016.7 states '' a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''

Company response to consumer: Closed with explanation