Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : LexisNexis Risk Solutions XXXX XXXX 
XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Rebuttal Bankruptcy Case # XXXX Failure to Comply with FCRA and Permissible Use Under 15 USC 1681b To Whom It May Concern, This letter serves as a formal rebuttal to your correspondence dated XX/XX/XXXX, in which you claimed that Bankruptcy Case # XXXX was verified as accurate through PACER and is properly associated with my identity. 

While you state that this record was obtained from PACER, your actions are still governed by the Fair Credit Reporting Act ( FCRA ) and do not override the requirement for a permissible purpose to report consumer information. 

Lack of Permissible Purpose Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report if there is a permissible purpose. I have never granted LexisNexis authorization to pull, retain, or report my bankruptcy data. Your reporting of such without consent or legal necessity is a violation of federal law. 

As a reseller, LexisNexis must prove it had a valid business reasonbacked by either consumer consent or legal mandateto publish this data. You have provided no such proof. 

Inadequate Reinvestigation According to 15 U.S. Code 1681i ( a ), LexisNexis must conduct a reasonable and good faith reinvestigation of disputed data. Referring to PACER without further validation of source, identity match accuracy, or case disposition fails the standard of a lawful reinvestigation. Simply matching an address or last XXXX digits of a Social Security number is not sufficient. 

You are obligated to go beyond a simple database lookup and confirm the accuracy, completeness, and lawful use of this record directly with the source that furnished it to younot just with XXXX. 

Misleading Reporting and Retention Bankruptcies being public record does not permit LexisNexis to distribute or resell that information without direct legal authority or consumer consent. This is reckless dissemination of sensitive information that harms my consumer standing and violates the protections afforded by the FCRA and related consumer laws. 

I Demand the Following Actions : Immediate deletion of XXXX  Case # XXXX from all LexisNexis databases and reports. 
A complete description of the reinvestigation process you conducted, as required under 15 USC 1681i ( a ) ( XXXX ), including : Who you contacted, What was reviewed, And any documents used to confirm the data. 
Proof of permissible purpose showing that LexisNexis had a legal right to report or distribute this data. 
If LexisNexis fails to respond with proof and take corrective action within 15 days, I will proceed with : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Filing a complaint with the Federal Trade Commission ( FTC ) Taking legal action under 15 USC 1681n and 1681o for willful and negligent violations of my rights I expect full compliance with this demand. A failure to act accordingly will not be tolerated. 

XXXX XXXX

Company response to consumer: Closed with explanation