Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
SUBJECT : LexisNexis Continued FCRA Violations and Unverified Bankruptcy Reporting ( New Complaint Not a Duplicate ) This is a new and distinct CFPB complaint regarding LexisNexiss continued violation of the Fair Credit Reporting Act ( FCRA ) through the unlawful reporting and reinvestigation of Bankruptcy Case # XXXX. It is not a duplicate of CFPB XXXX # XXXX, as it introduces new facts, new legal violations, and a formal request for CFPB oversight. 

LexisNexis continues to report this bankruptcy using verification methods that fail to meet FCRA standards. In their prior response to CFPB Case Number XXXX, LexisNexis cited XXXX XXXX XXXX, XXXX XXXX MD XXXX as the address linked to the record. This is NOT my address and has never been associated with my identity. In their prior response to CFPB complaint Case Number XXXX, LexisNexis cited XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX '' as the address originally filed on the full bankruptcy docket. I HAVE NEVER LIVED OR BEEN ASSOCIATED WITH THIS ADDRESS EITHER. This demonstrates that the record they are reporting is misattributed and unverifiable under FCRA. This alone invalidates their attribution of the bankruptcy under 1681e ( b ), which requires maximum possible accuracy. See both attachments with INCORRECT ADDRESS being used as " verification '' data points. 

LexisNexis has demonstrated a failure of its own internal verification standards by producing two contradictory addressesboth allegedly sourced from the official bankruptcy court document via XXXX. These inconsistencies across multiple CFPB responses expose a fundamental flaw in their verification procedures and confirm that they are not using reliable, court-authenticated documentation to justify reporting this public record. This alone invalidates their reliance on XXXX  as a verification method and renders the bankruptcy legally unverifiable under FCRA 1681i and 1681e ( b ).

Of note, I have also attached my current, valid Louisiana drivers license, which supports my position that LexisNexis has not verified Bankruptcy XXXX # XXXX using legally attributable and court-authenticated documentation. Their match was based on unverified data elementsnot signature-bearing filings from the court of origin. 

Furthermore, LexisNexis has not provided any documentation from the court of origin verifying that the bankruptcy belongs to me. No court-stamped records bearing my full name, address, social security number, or legal signature have been produced. Instead, they rely on a partial Social Security number match and an incorrect addressboth drawn from XXXX, a public database that does not verify or validate identity, per its own published policy. 

FCRA VIOLATIONS BY LEXISNEXIS : 1. FCRA 1681i ( a ) ( 1 ) ( A ) Failure to Properly Verify Disputed Information : LexisNexis failed to obtain court-verified documentation confirming that I am the subject of this bankruptcy. No verifying evidence exists that meets FCRA standards. As such, this record must be deleted as unverifiable.

2. FCRA 1681e ( b ) Inaccurate Attribution and Failure to Ensure Maximum Possible Accuracy : By linking a bankruptcy record to me based on an incorrect address and incomplete identifiers, LexisNexis has published a materially inaccurate consumer report. This constitutes a direct violation of their statutory duty to ensure maximum possible accuracy.

3. FCRA 1681b Lack of Permissible Purpose to Access or Report My Data : LexisNexis has not demonstrated any certified permissible purpose to access or report this record. There is no court order, no authorization, and no documented reason that would allow the use of XXXXderived information to be attached to my personal file. 

XXXX. FCRA 1681s-2 ( a ) Continuing to Furnish Inaccurate Information After Notice : Despite receiving multiple disputes and formal documentation from me, LexisNexis continues to furnish this unverified bankruptcy to third parties, credit bureaus, and other users of consumer reports.

5. FCRA 1681n and 1681o Willful or Negligent Noncompliance : LexisNexis has had multiple opportunities to correct or delete this record, yet continues to publish it knowing they can not verify its accuracy. This establishes either willful misconduct or negligent disregard for their compliance obligations. 

Due to this misattribution, I have suffered denials of credit, increased interest rates and impaired lending terms, and reputational damage in financial and professional settings. I respectfully request the following : 1 ) Immediate and permanent deletion of Bankruptcy XXXX # XXXX from my LexisNexis consumer file, 2 ) Written confirmation of deletion. 3 ) That LexisNexis cease reporting any public record not directly validated through the originating court and containing legally attributable identifiers ( i.e., full name, correct address, and legal signature ), 4 ) That LexisNexis refrain from accessing or furnishing XXXX-derived court records unless supported by a valid permissible purpose and verified consumer authorization, and XXXX ) That the CFPB initiate a supervisory review into LexisNexiss reinvestigation procedures and PACER-based public record reporting workflow, as they appear to violate the FCRAs legal requirements under 1681i, 1681e ( b ), and 1681s-2 ( a ). 

See Attachments : LexisNexis Response CFPB Case # XXXX ( address mismatch ) LexisNexis Response CFPB Case # XXXX ( second address mismatch ) Louisiana Drivers License proof XXXX legal residence in separate jurisdiction XXXX  Privacy Policy

Company response to consumer: Closed with explanation