Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint against LexisNexis Risk Solutions Consumer Center for continuing to report false, incomplete, and unverifiable bankruptcy data on my consumer file, in direct violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

LexisNexis has been supplying a nonexistent and inaccurate bankruptcy record under reference number XXXX, listed as a XXXX  XXXX Bankruptcy allegedly filed with the U.S. Bankruptcy Court in XXXX XXXX, XXXX. This record does not exist in any federal court system. I have confirmed directly with the U.S. Bankruptcy Court Clerk that no such filing or docket number is associated with my name, Social Security number, or any record in the PACER system. 

Despite my formal written disputes and supporting documentation, LexisNexis has failed to verify this information or remove it from their reporting system. The record continues to be furnished to Experian and TransUnion, who are now publishing this false public record on my credit reports. 

XXXX. LexisNexis Reporting False Bankruptcy Data LexisNexis is reporting a XXXX XXXX bankruptcy that was never filed, verified, or discharged. As stated in my attached letter dated XX/XX/year>, LexisNexis was informed that this data is incomplete, unverifiable, and noncompliant with XXXX XXXX standards, and that the bankruptcy it references was dismissed, not discharged. 

The U.S. Bankruptcy Court itself has confirmed that they do not furnish consumer data directly to LexisNexis or any other reporting agencies. LexisNexis is therefore obtaining and disseminating this data from secondary, unverified sources, most likely through PACER scraping or third-party vendors. This violates FCRA 1681e ( b ), which requires that all consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of information they furnish. 

Furthermore, reporting this dismissed and unverifiable record violates FCRA 607 ( b ) and 1681k, which prohibit reporting public records unless they are complete, current, and verifiable at the source. 

XXXX. LexisNexis Ignored My Dispute and Failed to Reinvestigate I filed a written dispute directly with LexisNexis on XX/XX/year>, demanding : Certified court documentation proving the existence of Bankruptcy Case # XXXX. 

Proof of LexisNexiss source of the record and permissible purpose to furnish it. 

Removal of the unverifiable record if they could not validate it within XXXX  days. 

LexisNexis failed to provide any evidence or reinvestigation results as required by FCRA 611 ( a ) ( 1 ) ( A ). Under federal law, if information can not be verified, it must be deleted immediately. Instead, LexisNexis allowed the record to continue circulating to the credit bureaus, causing ongoing harm to my financial reputation. 

XXXX. Violation of My Right to Privacy LexisNexiss actions have also violated my right to privacy as outlined under 15 U.S.C. 1681 ( a ) ( 4 ), which establishes that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. By publishing inaccurate bankruptcy data about me without consent or verification, LexisNexis has exposed private, false, and damaging information to third parties. 

This conduct also triggers civil liability under 1681n and 1681o for willful and negligent noncompliance. LexisNexis was put on notice through multiple disputes but continued to report false and defamatory data knowingly, thereby meeting the standard of willful misconduct. 

XXXX. Clear Violations of Federal Law LexisNexis is in violation of the following statutory provisions : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy. 

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) : Furnishing inaccurate or incomplete public information.

FCRA 1681k : Reporting unverifiable or outdated public record information.

FCRA 1681n & 1681o : Willful and negligent noncompliance.

15 U.S.C. 1692e ( 8 ) : Communicating false credit information to third parties. 

XXXX. Resulting Damages and Harm LexisNexiss inaccurate reporting has caused severe and ongoing harm, including : Lowered credit scores and denials for housing and financing. 

Emotional distress, humiliation, and reputational damage. 

Loss of economic opportunities due to false public records. 

I have attached supporting evidence including my identification, proof of address, and written disputes showing that I have exercised my rights under the FCRA. Despite full compliance on my part, LexisNexis has failed to respond or correct its records.

Company response to consumer: Closed with non-monetary relief