Consumer complaint received 2025-03-30 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: MI

Complaint narrative:
Re : CFPB INVESTIGATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : Formal Dispute and Notice of Violations Failure to Properly Investigate ( FCRA 15 U.S.C. 1681, FDCPA ) To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable information that remains on my credit file despite my previous attempts to have this matter properly investigated. Your failure to conduct a reasonable reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), constitutes willful noncompliance with federal law.

As confirmed by the Public Access to Court Electronic Records ( PACER ) system, the U.S. Bankruptcy Courts do not verify records with consumer reporting agencies. The information in question has not been directly verified by the courts and is therefore unverifiable per FCRA requirements. LexisNexis, in its response to my complaint, explicitly stated that it does not generate consumer reports containing tradeline data and merely acts as a reseller of information from the major credit bureaus, including XXXX. 

Violations Committed by XXXX : XXXX. Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days. Simply verifying information with a third party that does not itself verify the data ( such as LexisNexis or PACER ) is not a reasonable reinvestigation.

2. Failure to Provide the Source of Verification Per 15 U.S.C. 1681i ( a ) ( 2 ), you must notify the data furnisher of the dispute. Since the courts do not furnish information to XXXX, there is no valid source of verification. 
3. Reporting Unverifiable Information 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in their reports. If you can not verify the disputed information at the source, it must be deleted immediately.

4. Failure to Remove or Correct Inaccurate Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that any information that can not be verified must be deleted from my credit file. Since PACER and the U.S. Bankruptcy Court do not verify records with consumer reporting agencies, you have no basis to continue reporting this bankruptcy as valid.

I demand the immediate deletion of this unverifiable information from my credit report. If this matter is not resolved within the legally required timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider taking legal action for damages caused by your noncompliance. 

Please provide me with a written response confirming the removal of this inaccurate information or detailing the exact source used to verify it within 15 days of receiving this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation