Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
RE : Formal Request for Method of Verification Confirmation # XXXX Continued Reporting of Bankruptcy in Violation of FCRA To Whom It May Concern, This letter is a formal and final notice regarding your ongoing failure to comply with federal law and your obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I reference my Formal Request for Method of Verification, Confirmation # XXXX, submitted in accordance with my rights under FCRA 611 ( a ) ( 7 ). As of todays date, XX/XX/XXXX, I have not received the method of verification within the 15-day period required by law. 

Despite your continued claims of having verified the bankruptcy in question ( Confirmation # XXXX ), Equifax has not produced any documented proof, nor have you identified a permissible source with direct knowledge of the entry. This is in direct violation of my consumer rights and FCRA compliance. 

Furthermore, I have official documentation from the Bankruptcy Court that clearly states they do not report to any credit reporting agencies. In addition, I contacted LexisNexis a common third-party data furnisher who has confirmed verbally and in writing that : No bankruptcy appears on my consumer file with them. 

They have not reported any such item to Equifax. 

They have provided me with a complete consumer file, which does not include any record of a bankruptcy. 

Therefore, your claim that the bankruptcy has been " verified '' is demonstrably false and your continued reporting of this inaccurate, unverified item is a clear violation of FCRA 607 ( b ) the requirement to follow reasonable procedures to assure maximum possible accuracy. 

This matter has been ongoing since XX/XX/XXXX, and Equifax has repeatedly ignored factual documentation, failed to complete proper reinvestigations, and continues to waste my time by insisting on re-disputing a matter that has already been proven unsubstantiated. During a recent phone call on XX/XX/XXXX with your agents, I was told the item can not be removed without further dispute an unacceptable response, given the evidence already provided. 

You are now on notice : Equifax is knowingly reporting false and unverified information. 

Equifax has failed to provide the method of verification as required by law. 

Equifax is in violation of FCRA 611 ( a ) ( 7 ) and FCRA 607 ( b ).

I have exhausted all good faith efforts to resolve this matter directly. 

If the bankruptcy item is not removed from my credit file within XXXX calendar days from the receipt of this compliant. I am preparing to pursue legal action for statutory damages, actual damages, and attorney fees as permitted under FCRA 616 and 617.

You are required by law to maintain full documentation of your reinvestigation. Preserve all records, call recordings, and internal correspondence related to this dispute as they may be required in future proceedings

Company response to consumer: Closed with non-monetary relief