Consumer complaint received 2025-04-12 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: DC

Complaint narrative:
RE : Second Formal Demand Rebuttal to Inadequate Reinvestigation | FCRA Violations To Whom It May Concern : This letter is a formal rebuttal to your response dated XX/XX/year>, regarding CFPB Case # XXXX. My information was exposed in a data breach. Your failure to properly reinvestigate and remove clearly inaccurate, unverifiable, and damaging information constitutes continued violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ).

Despite my prior dispute clearly identifying multiple errors, your response continues to rely on improper sources ( XXXX  ) and vague generalizations instead of providing documented verification from original furnishers or courts, as required by law.

Failure to Verify Bankruptcy Information You continue to report Bankruptcy Case # XXXX as verified. However, you admit in writing that your source is XXXX, not the bankruptcy court itself. XXXX  is a publicly accessible database that does not constitute a direct furnisher of information under the FCRA. Your failure to contact the clerk of the U.S. Bankruptcy Court or provide signed court verification demonstrates negligence and willful noncompliance.

Furthermore, three major credit bureaus do not list this bankruptcy on file. This discrepancy proves that XXXX is the outlier and is failing to ensure maximum possible accuracy per 15 U.S.C. 1681e ( b ). 



Inaccurate Address, Auto Claim, and Personal Records Your records still reflect : - Claim numbers and addresses I have never used or lived at ( including listings in XXXX, XXXX, and XXXX ). 

- Records with the state of Alaska where I have never resided.

- Inaccurate phone number and affiliations ( e.g. Board of Nursing ).

Your attempt to " verify '' these through vague cross-referencing is legally insufficient under 1681i. You are required to verify with the original source, not crossmatch with your own internal databases or other CRAs. Anything that can not be verified directly must be deleted.

You Are Now on Notice : You have now received multiple disputes, including one forwarded through the Consumer Financial Protection Bureau ( CFPB ). If you continue to report inaccurate or unverifiable information : - I will initiate arbitration under 15 U.S.C. 1681i and 1681n.

- I will seek statutory, actual, and punitive damages for your willful noncompliance and reputational harm caused by your reckless reporting.

- I will file an additional complaint with the FTC, State Attorney General, and pursue civil litigation if necessary.

Demands : 1. Provide the name, address, and phone number of each furnisher you contacted regarding my dispute per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

2. Provide the exact method of verification used for each disputed item.

3. Remove all unverifiable, inaccurate, or mismatched information from my consumer file within 4 business days of receiving this letter.

I expect your response and a corrected copy of my consumer disclosure report. Failure to comply will be interpreted as continued, willful noncompliance.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation