Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXXXXXX XXXX, GA XXXX Please Help me fix these inaccurate, and illegally reported information from my credit file. 
To Whom It May Concern : I was in the process of applying for new employment and housing when I discovered that there is inaccurate information being reported on my credit report. After reviewing a copy of my report, I was shocked to see multiple items that are not correct. 
Recently, I was denied employment, and the employer specifically stated that my credit report was the reason for their decision. I was advised by a legal professional that this constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, Section 603 ( k ) ( 1 ) ( B ) ( ii ). This is deeply troubling and raises serious concerns about the accuracy and legality of the information being reported. 
My Request : I am requesting that the following accounts be thoroughly reviewed and updated to reflect the correct amounts, dates, statuses, open and closed dates, and last activity dates. 
Additionally, I want to make it very clear that I was never late on these accounts. Any reported late payments are false. Please update these accounts to reflect an on-time payment history and mark them as Pays as Agreed. 

Accounts 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX  XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX Please remove it from my credit report. 

15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 




15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX Please remove it from my credit report. 



15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 




15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX  XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX To Whom It May Concern : I was in the process of applying for new employment and housing when I discovered that there is inaccurate information being reported on my credit report. After reviewing a copy of my report, I was shocked to see multiple items that are not correct. 
Recently, I was denied employment, and the employer specifically stated that my credit report was the reason for their decision. I was advised by a legal professional that this constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, Section 603 ( k ) ( 1 ) ( B ) ( ii ). This is deeply troubling and raises serious concerns about the accuracy and legality of the information being reported.

My Request : I am requesting that the following accounts be thoroughly reviewed and updated to reflect the correct amounts, dates, statuses, open and closed dates, and last activity dates. 
Additionally, I want to make it very clear that I was never late on these accounts. Any reported late payments are false. Please update these accounts to reflect an on-time payment history and mark them as Pays as Agreed. 

Accounts Sincerely,

Company response to consumer: Closed with explanation