Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: FL

Complaint narrative:
To whom it may concern : Upon receiving my consumer report from LexisNexis, I noticed that they are reporting a Bankruptcy under the file they maintain under my social security number. 

On XX/XX/XXXX I sent a them a letter via certified mail, return receipt requested, in which they received and signed for on XX/XX/XXXX. In this letter I requested validation and verification in accordance with FCRA guidelines. 

I did not receive their response until XX/XX/XXXX in which they sent me a letter that simply stated it was verified as accurate FCRA requires credit bureaus and consumer reporting agencies to have a response in the consumers hand by the 31st day from receiving the initial dispute. This in itself is a violation of FCRA. 

I then sent another letter on XX/XX/XXXX in which they received and signed for on XX/XX/XXXX requesting verification per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. 

I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 

In the meantime, I also obtained a letter from the florida bankruptcy court which clearly stated that they do not provide any information to the credit bureaus. 

Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that they verified this bankruptcy as accurate is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

LexisNexis has not responded to my last request. It has now been 46 days and still no response. This is a direct violation of FCRA. 

I know that there is not a Bankruptcy that they can validate or verify as reporting accurately, and have violated FCRA by not responding and verifying the challenged information within 30 days. therefore they must delete it from my file and stop selling/reporting this information to Credit bureaus and other 3rd party consumer reporting agencies

Company response to consumer: Closed with explanation