Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I submitted A certified disputes to LexisNexis Risk Solutions on XX/XX/year>, challenging inaccurate and obsolete mortgage and auto tradelines being reported in their databases. These disputes included : IRS Form 1099-C filed by the original creditor and accepted by the IRS ( confirming debt cancellation under 26 U.S.C. 6050P ) XXXX proof of mailing and delivery receipts Recorded affidavits and memoranda of lien discharge XXXX  DMV title showing no lienholder for the auto loan Full explanation of tradeline discrepancies across XXXX, XXXX, and XXXX  Despite receiving this evidence, LexisNexis failed to respond or conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). The accounts remain published and continue to harm my creditworthiness, resulting in measurable economic harm including credit denials and higher interest rates. 

XXXX failure to investigate and correct these errors constitutes : Violation of FCRA 611 ( failure to reinvestigate ) Violation of FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ) Negligent dissemination of false data to third parties, exposing me to reputational harm and creating a privacy and data integrity risk. 

in my investigation CFPB admits this companies are full of errors as Delinquency dates before account even opened, Last activity dates that dont match across the XXXX credit bureaus OPEN /CLOSE and last activity dates all over the place and incomplete and straight up WRONG payment information. This is a very clear that CFPB knows credit bureaus reports are not verifiable, and credit bereaus report knowing that is not verifiable. TransUnion, Experian and Equifax have repeatedly altered the status of my account without proper certification, reinvestigation results, or notice of reinsertion. This pattern of behavior demonstrates noncompliance with FCRA 611 ( a ) ( 1 ), 611 ( a ) ( 5 ) ( B ), and 1681e ( b ), and exposes them to statutory liability. 

XXXX. XXXX XXXX account XXXX reports as Closed/Transferred on Experian but Open/Delinquent on XXXX under XXXX XXXX. 
XXXX. XXXX Acct : XXXX reports as XXXX on TU but Never XXXX XXXX on XXXX. 
XXXX. XXXX Acct : XXXX report as Collection / Charge-Off on XXXX  and PAST_DUE on XXXX, and removed by XXXX. 
XXXX. XXXX XXXX  XXXX acct : XXXX appear as Collection / Charge-Off on XX/XX/year> then XXXX in OK STATUS on TU but PAY AS AGREE on XXXX but " XXXX XXXX '' on XXXX, These contradictions violate FCRA XXXX XXXX b ) maximum possible accuracy. Credit Bureaus Failure to Reinvestigate XXXX rounds of certified disputes on XX/XX/year> and XX/XX/year> were ignored, no response, no validation, without proper investigation. This violates FCRA 611 ( a ) ( 1 ) ( A ) and triggers right to deletion. 
Post Discharge Collection Attempts by XXXX, XXXX  and SouthState continue to demand payment and report delinquencies after cancellation, in direct violation of FCRA 623 ( a ) ( 2 ) and FDCPA 807 ( 2 ) ( A ) ( false representation of legal status ). 
A car loan reported by XXXX XXXX  is inaccurate and credit bureaus received all evidence of this debt cancellation, Clean Title & Lawful Ownership : Title was lawfully issued in my NAME by XXXX  DMV. cancellation of debt was executed, and IRS Form 1099-C was filed by Creditor and accepted by the IRS. Evidence Submitted Twice : These facts and supporting documents ( title, 1099-C, XXXX proof of mailing, ) were provided to all three credit bureaus in prior disputes dated XXXX XXXX and XXXX XXXX. No reasonable reinvestigation was performed. 

LexisNexis Risk Solutions is a data furnisher to Experian, Equifax, and TransUnion. By transmitting inaccurate and outdated tradelines to these bureaus, LexisNexis is directly responsible for the downstream damage to my consumer reports and credit score. 

The data provided by LexisNexis does not match IRS records ( 1099-C cancellation accepted ), does not match DMV title records ( no lienholder ), and contains conflicting reporting ( charge-off vs. paid-as-agreed vs. past due ) across different credit bureaus. 

Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not provide information that it knows or has reasonable cause to believe is inaccurate. LexisNexis has been placed on notice twice, with XXXX proof of delivery, and has failed to correct or suppress the erroneous data. 

This ongoing furnishing of false data creates compounded harm by repeatedly republishing inaccurate information to all three credit bureaus, constituting defamation of credit and reckless disregard for accuracy requirements under FCRA 623 ( b ) ( 1 ) and 1681e ( b ).

Company response to consumer: Closed with explanation