“Real Housewives of Miami” star Todd Nepola is taking Bravo and NBCUniversal to court, claiming the network straight-up lied about his finances to juice up storylines around his ex-wife, Alexia Nepola, for Seasons 6 and 7.

TMZ has obtained the lawsuit … Todd — who claims he’s worth $100 million — is saying he’s never bounced a check, never missed a payment, and never had any financial trouble. Meanwhile, ‘RHOM’ allegedly painted him as broke and struggling … just to make Alexia’s story more “juicy” for viewers.

The suit calls out multiple episodes, in which castmate Adriana de Moura supposedly spread false claims … from saying Todd’s business was tanking, to suggesting he might have to break his lease and downgrade his apartment.

Todd’s side points out he even bought more than $115 million in real estate during filming — financed through legit bank loans … no shady business here. The lawsuit claims Bravo and NBCUniversal knew or should have known these financial claims were false … and now Todd wants the court to set the record straight.