Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
Page XXXX XXXX LexisNexis Consumer Center________________ Consumer Number : XXXX XX/XX/year> CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX  XXXX, IA XXXX Re : CFPB Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, CA XXXX To Whom It May Concern : This correspondence is in response to the complaint LexisNexis Risk Solutions Inc. ( LexisNexis ) received from your office on XX/XX/year>, on behalf of the consumer ; XXXX XXXX XXXX, in which the consumer disputes the alleged inaccurate reporting of lien and judgment records on their file. Thank you for your patience while we reviewed this matter and prepared the appropriate response. 
In an effort to resolve the consumers concern, LexisNexis initiated a dispute, and that investigation was resolved on XX/XX/year>. During our investigation, LexisNexis did not locate the following records listed below in the consumers file with LexisNexis : Liens and Judgments Filing Number : XXXX XXXX XXXX XXXX XXXX A resolution letter outlining the results of our reinvestigation, the consumers statutory rights and their LexisNexis Consumer Disclosure Report will be mailed directly to them for their review. 
Disputed liens and judgments submitted to credit bureaus. Please be advised LexisNexis does not produce consumer reports that contain tradeline data. LexisNexis is a reseller of credit reports from the three nationwide consumer reporting agencies XXXX, XXXX, and XXXX and follows the reinvestigation requirements outlined in the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) for disputes of the information therein. 
LexisNexis submits disputes to the originating consumer reporting agency and forwards the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies completes their reinvestigation. 
In an effort to resolve the consumers concerns, LexisNexis initiated a dispute of the liens and judgments as stated above with the nationwide consumer reporting agencies on their behalf. LexisNexis will notify the consumer via mail Page 2 XXXX once the credit bureaus complete their investigation ; however, please note, the bureaus may contact the consumer directly with the results of the investigation. 
If the consumer has questions about how and what information is displayed on a credit bureau report, they must contact the credit bureau directly. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Order Credit Report : XXXX Report Fraud : XXXX XXXX Under the FCRA, the consumer has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Add a statement to their file disputing the accuracy or completeness of information. The statement will remain on their file and will be furnished to recipients of the file as long as the disputed information is still used ; and Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by them who has received a LexisNexis consumer report for employment purposes within the past two years or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of XXXX, Maryland, and New York ). 
The consumer may contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX  to XXXX XXXX  Eastern Time. If the consumer has questions about their LexisNexis Consumer Disclosure Report, they may either call the LexisNexis Consumer Center or go to our Consumer Portal at https : //consumer.risk.lexisnexis.com/. 
Thank you for allowing LexisNexis the opportunity to assist the consumer. 
The LexisNexis Consumer Center. 

Now my response to this letter is as follows LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Re : CFPB Case # XXXX To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced case. I would like to clarify my position concerning the financial information in my consumer report. 

I am not disputing the accuracy of the lien and judgment records mentioned ; rather, I am requesting that you include my financial transactions, which are public records, in my consumer report. Specifically, I am asking for the documentation of my UCC-1 financial obligation to be added, as these transactions represent a significant aspect of my financial profile. 

It is my understanding that LexisNexis maintains comprehensive reports that reflect various financial transactions, and I believe it is only fair that my information, similar to that of your paying customers, is included. Public records should be accessible and documented in line with other trade lines and financial transactions. 

I urge you to visit the Secretary of State of Californias website at https : //www.sos.ca.gov/, where you can input the relevant document numbers and account numbers to retrieve my UCC-1 records and ensure they are reflected in my consumer report. Below are the pertinent filing numbers for your reference : XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to your timely response confirming that the requested public financial records will be included in my report. 

Sincerely, XXXX XXXX XXXX My Consumer Number : XXXX For verification purposes, I have attached copies of my Social Security card, drivers license, and proof of address. I trust this will ensure a smooth verification process

Company response to consumer: Closed with non-monetary relief