Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
Subject : Notice of FCRA Violations & Final Demand for Removal LexisNexis To Whom It May Concern : This is a formal legal notice against LexisNexis Risk Solutions for its continued failure to properly investigate, verify, and remove inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

XXXX. FACTUAL ALLEGATIONS LexisNexis is unlawfully reporting Bankruptcy Case # XXXX on my LexisNexis Consumer Disclosure Report without legal verification or a court document bearing my signature. I have never filed for bankruptcy, and LexisNexis has failed to meet the legal burden of proof required under the FCRA to continue reporting this information. 

I previously disputed this inaccurate bankruptcy, and LexisNexis falsely claimed this is a duplicate request instead of properly investigating the matter. This is not a duplicate requestthis is a response to LexisNexis failure to conduct a legally required reinvestigation under FCRA XXXX ( a ) ( XXXX ). LexisNexis closed my prior dispute without properly verifying the bankruptcy, making this a new, valid dispute due to their initial noncompliance. 

Further, LexisNexis continues to rely solely on PACER as its source of verification. PACER is a public database that does not provide signed court records and does not meet the legal standard of verification under the FCRA. A bankruptcy can not be verified without an original court document bearing my signature. According to FCRA XXXX ( a ) ( XXXX ) ( A ), if a CRA can not verify disputed information using original records, it must delete the information immediately. 

XXXX. VIOLATIONS OF FEDERAL LAW LexisNexis is in willful and negligent violation of the following FCRA provisions : FCRA XXXX ( b ) Failure to Maintain Maximum Possible Accuracy : LexisNexis is reporting inaccurate data without proper verification. 

FCRA XXXX ( a ) ( XXXX ) Failure to XXXX a Proper Reinvestigation : LexisNexis refused to conduct a reinvestigation, falsely labeled my dispute as duplicative, and closed my previous request improperly. 

FCRA XXXX ( a ) ( XXXX ) ( A ) Duty to Delete Unverifiable Information : LexisNexis failed to remove inaccurate data that can not be verified with original documentation. 

FCRA XXXX Willful Noncompliance : LexisNexis refusal to comply with the FCRA constitutes willful misconduct, exposing them to statutory and punitive damages. 

FCRA XXXX Negligent Noncompliance : LexisNexis negligent reporting practices have caused financial harm, for which they are liable for actual damages, attorneys fees, and court costs. 

XXXX. FINAL DEMAND & NOTICE OF LEGAL ACTION LexisNexis has XXXX ( XXXX ) days from receipt of this complaint to : Immediately delete Bankruptcy Case # XXXX from my LexisNexis file. 

Provide written confirmation of the deletion. 

Produce a certified court document bearing my signature proving I filed this bankruptcy ( if LexisNexis refuses to delete it ). 

Failure to comply within XXXX ( XXXX ) days will result in immediate legal action in federal court for willful FCRA violations. I will seek : Statutory damages of {$1000.00} per violation under FCRA 1681n. 

Actual and punitive damages for harm caused by LexisNexis ' willful misreporting. 

XXXX fees and legal costs. 

A court order compelling the deletion of all inaccurate information. 

This is final notice before I proceed with legal action. Additionally, I will escalate this matter to the Federal Trade Commission ( FTC ), the Better Business Bureau ( BBB ), and state consumer protection agencies for further enforcement. 

LexisNexis pattern of falsely closing disputes as " duplicates '' to avoid proper investigation is a direct violation of the FCRA, and I will not tolerate continued noncompliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief