BAN LexisNexis and Credit Bureaus Us of COUR Record Databases As Verification Method
- by: Mj Johnson
- recipient: Consumers Denied Credit or Employment Due To Public Records
LexisNexis Risk Solutions has escaped FCRA fraud, deceptive, and loop-hole acceptable procedures far too long in reference to Consumer Reports specifically (Court Related) Public Records reporting.
It's Simple but No One has recognized, and both challenged this company's greatest Consumer fraud on this issue. I challenged and disputed (2) different types of Public Record items on my report along with many many other errors to include a relative name appearing in my report. I disputed the Public Record court related items in Dec 2022. Around 19th of December first with all (3) major credit bureaus. Afterwards I received several pages of response from LexisNexis dated Dec 22, 2022 stating effective the date of these letters that the item I disputed with the credit bureaus on Dec 19 2022(LexisNexis provided a separate letter for each credit bureau and included the date of Dec 19 2022 that I disputed each credit bureau which was the bankruptcy) had been removed. The remaining pages indicated that the other Public Record (3 judgment related) court records had also been removed citing "they were Unverifiable".
I followed up with LexisNexis unexpectedly about a week later to confirm removal of these items. I was told the bankruptcy was still reporting and only (2) of the court related judgments had been removed. I asked why would LexisNexis falsely state removal and the rep immediately replied " I will start a new investigation" . I responded with the fact that my phone call was not to start a New Investigation but ask how soon would LexisNexis remove items stated in their letter. LexisNexis continued to open multiple New Investigations to stall and restart the "30-day window allowed" for investigations.
***IMPORTANT*** No law firm has initiated A CLASS ACTION against (Data Furnisher) LexisNexis Risk Solutions based on the SOLID FACT that ALL Court-Related Consumer Items reporting on their reports are ALL Unverifiable per their own statement in my letter on the county District Court related judgments.
A Court is a Court no matter if County or Federal and PACER nothing other than a Federal Court electronic database of Federal Court Related Records is the Same Way LexisNexis Risk Solutions verifies any County, City, or State Court Public Records; LexisNexis Verification of these would also be accomplished through an electronic database available to the Public whether free or by subscription and cannot be verified by a human.
Courts have stated they DONOT report or verify court related information with ANY CREDIT REPORTING AGENCIES which includes LexisNexis Risk Solutions because they are a Data Furnisher and supply All (3) Credit Bureaus information to include TransUnion again.
A successful class action lawsuit or LAW arguing this fact in court would allow ANY Consumer to dispute Court Related Items on Consumer Reports resulting in immediate removal based on FCRA laws stating, " If an item cannot be verified the company or agency must remove it".
Please SIGN and Forward This Petition. Many People are Affected and have been Held Back in Life Economically Due To Public Record Entries On Consumer Reports and Deserve A Second Chance.
A LAW Enacted or A Successful Class Action Lawsuit Would Give Consumers The Right To A One Time Dispute To Remove Court Related Judgments or Bankruptcies.
SIGN TODAY AND CONTACT YOUR CONGRESSMAN TO SAY ENOUGH IS ENOUGH !!
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