CreditFirm.net contacts Lexis Nexis when dealing with public record issues reporting to Experian and Equifax.
We also contact LCI for public records issues with TransUnion.
– TransUnion stopped using Lexis Nexis a few years ago when they started their acquisition of Verisk Financial Services (the company who owned LCI).
So now TransUnion is using… LCI (TransUnion) to verify Bankruptcy information reporting in your TransUnion credit report.
Anyways, we can request that Lexis Nexis and LCI provide documentation backing up the information that they are reporting to the credit bureaus per section 609 of the FCRA.
We can also request security freezes of these alternate bureaus which are sometimes helpful with the removal of public records such as Bankruptcies from Experian, Equifax, and TransUnion credit reports.
It doesn’t work all the time (approximately 10% deletion rate of Bankruptcies based on freezing Lexis Nexis and LCI reports) but, when coupled with disputes, 609 requests, etc…, it works a lot better than just disputing a bankruptcy.
Having issues with public records like Bankruptcy reporting in your credit reports?
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