Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12660540
Complaint Overview
Complaint ID: 12660540
Company: Lexisnexis
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Missouri
ZIP Code: 631XX
Date Received: 2025-03-23T12:00:00-05:00
Date Sent to Company: 2025-03-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : **Dispute of Bankruptcy Public Record & Monetary Settlement Demand** Dear XXXX, I am writing to formally dispute the *XXXX XXXX bankruptcy** listed on my credit report. The information reported is **inaccurate, unverifiable, and non-compliant** with **XXXX XXXX XXXX* and the **Fair Credit Reporting Act ( FCRA ) **. XXXX XXXX XXXX XXXXXXXX. Bankruptcy Reporting is Unverifiable ( FCRA 1681e ( b ), 1681i ( a ) ( 5 ) ( A ) ) ** According to the **FCRA**, credit reporting agencies ( CRAs ) must ensure the information they report is **verified and accurate**. **Bankruptcy courts do not furnish information to credit bureaus**they only maintain records. Since XXXX did not obtain the bankruptcy record **directly from the court**, this entry **must be deleted immediately**. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Compliance Failures** The following compliance failures exist in the reporting of the bankruptcy : | **Field** | **Violation** | **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source of Bankruptcy | No direct court verification | 001 Data Source Invalid | | ECOA Code ( Field 16 ) | Missing or incorrect classification | 008 Incorrect ECOA | | Compliance Condition ( Field 19 ) | Improperly coded public record | 019 Compliance Code Error | | Date of Filing | Inaccurate or unverifiable | 007 Date Mismatch | | Public Record Validation | No official court source listed | 029 Invalid Public Record | | Date of First Delinquency | Mismatch with court records | 014 DOFD Mismatch | | Consumer Information Indicator | Incorrect bankruptcy status | 013 Incorrect Consumer Status XXXX XXXX XXXX XXXX XXXX XXXXegal Grounds for Immediate Deletion** - **FCRA 1681e ( b ) ** : Requires CRAs to maintain **maximum accuracy**. - **FCRA 1681i ( a ) ( 5 ) ( A ) ** : If XXXX ** can not verify** the bankruptcy with the **original furnisher ( the court itself ) **, it must be **deleted**. - **Metro XXXX Compliance** : XXXX XXXX*failure to adhere to CDIA ( Consumer Data Industry Association XXXX XXXX XXXX XXXX is a **violation** of the **FCRA**. XXXX XXXX XXXX XXXXXXXX. Demand for Deletion & Monetary Compensation** Due to these violations, I am demanding : 1. **Immediate deletion** of the bankruptcy from my XXXX credit file. 2. **Monetary settlement of $ XXXX for willful and negligent non-compliance under **FCRA 1681n** and ** 1681o**. If this matter is not resolved within XXXX days**, I will escalate this complaint and take legal action. ** Please provide written confirmation of the deletion at your earliest convenience. Sincerely, *XXXX XXXX
Frequently Asked Questions
What is Complaint #12660540 about?
Complaint #12660540 was filed against Lexisnexis regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-03-23T12:00:00-05:00.
How did Lexisnexis respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Lexisnexis?
Yes, visit the Lexisnexis company profile at readthecomplaint.com/company/lexisnexis to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.