Two California consumers have filed a proposed class action in which they allege LexisNexis Risk Solutions Inc. continually misrepresents the source of public record information, especially bankruptcy details, that it publishes in credit reports. According to the lawsuit, such conduct not only deceives consumers, but can hamper efforts to directly address the source of public records information should an individual wish to correct any errors or inaccuracies in a credit report.
The plaintiffs each obtained from LexisNexis Risk Solutions a credit report that included information regarding previous bankruptcy filings, the case says. In the reports, the defendant allegedly stated under the “Bankruptcy Information” section that the records therein were obtained directly from the bankruptcy court, noting the name, address and phone number of the court.
The Fair Credit Reporting Act (FCRA) requires reporting agencies such as the defendant to accurately identify the immediate supplier of the information contained within a credit report. While the plaintiffs’ credit reports stated their details had come from the Southern District of California’s Bankruptcy Court, the complaint says this is not true.