Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
I am making formal complaint against LexisNexis, who has repeatedly verified the accuracy of Bankruptcy Case # XXXX in XX/XX/year>XXXX  which is appearing on my consumer credit reports. LexisNexis claims that their subscription to XXXX is an acceptable form of verification. They are reporting an inaccurate XXXX XXXX XXXX XXXX 
I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy and XXXX XXXX All letters that I sent to LexisNexis and their most recent response are included as attachments. My initial dispute letter advised LexisNexis that their source, XXXX, is unreliable and even states in its own disclaimer that The provider does not represent or warrant that this site or its content will be error-free Provider disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind in any way related to ( A ) any errors in or omissions from this web site and the content... 
My second dispute letter requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. In the meantime, I also obtained a letter from the U.S. Bankruptcy Court of XXXX XXXX XXXX Mississippi which clearly stated that they do not provide any information to the credit bureaus. Furthermore, I pointed out that Bankruptcy Rule XXXX states that personal identification information defined as individuals Social Security and taxpayer identification Numbers be redacted from documents filed with the court. 
Therefore, ( Data Mining Companys ) claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, but they are in direct conflict with the Seventh Circuit court which states : Whether the credit reporting agency has a duty to go beyond the original source will depend, in part, on whether the consumer has alerted the reporting agency to the possibility that the source may be unreliable or the reporting agency itself knows or should know that the source is unreliable. The credit reporting agency 's duty will also depend on the cost of verifying the accuracy of the source versus the possible harm inaccurately reported information may cause the consumer. 
Despite all my efforts LexisNexis continues to say that the bankruptcy is verified through XXXX. They also failed to respond in a timely manner to my second letter that they received on XXXX. I am asking your agency to please assist me in having this unverifiable information from a third party database ( XXXX  ), that does not allow access to any personal identification information, removed from reporting on my LexisNexis consumer file.

Company response to consumer: Closed with explanation