Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AL

Complaint narrative:
To whom it my concern at Lexis Nexis I XXXX XXXX have found out that you guys have puts out False Information towards my credit and background to the credit bureaus and to my insurance company XXXX. I would like for you guys to fix these errors expeditiously and to remove all late payments and errors of a wreck that I was not at faults and someone hit me. Thank you for understanding with my request. I request a thorough investigation in these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unbales to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

18 U.S. Code 1038- False information and hoaxes U.S. Code prev | next ( a ) Criminal Violation.

( 1 ) In general.Whoever engages in any conduct with intent to convey false or misleading information under circumstances where such information may reasonably be believed and where such information indicates that an activity has taken, is taking, or will take place that would constitute a violation of chapter 2, 10, 11B, 39, 40, 44, 111, or 113B of this title, section 236 of the Atomic Energy Act of XXXX ( 42 U.S.C. 2284 ), or section 46502, the second sentence of section 46504, section 46505 ( b ) ( 3 ) or ( c ), section 46506 if homicide or attempted homicide is involved, or section 60123 ( b ) of title 49, shall ( A ) be fined under this title or imprisoned not more than 5 years, or both ; ( B ) if serious bodily injury results, be fined under this title or imprisoned not more than 20 years, or both ; and ( C ) if death results, be fined under this title or imprisoned for any number of years up to life, or both.

( 2 ) Armed forces.Any person who makes a false statement, with intent to convey false or misleading information, about the death, injury, capture, or disappearance of a member of the Armed Forces of the United States during a war or armed conflict in which the United States is engaged ( A ) shall be fined under this title, imprisoned not more than 5 years, or both ; ( B ) if serious bodily injury results, shall be fined under this title, imprisoned not more than 20 years, or both ; and ( C ) if death results, shall be fined under this title, imprisoned for any number of years or for life, or both.

( b ) Civil Action.

Whoever engages in any conduct with intent to convey false or misleading information under circumstances where such information may reasonably be believed and where such information indicates that an activity has taken, is taking, or will take place that would constitute a violation of chapter 2, 10, 11B, 39, 40, 44, 111, or 113B of this title, section 236 of the Atomic Energy Act of XXXX ( 42 U.S.C. 2284 ), or section 46502, the second sentence of section 46504, section 46505 ( b ) ( 3 ) or ( c ), section 46506 if homicide or attempted homicide is involved, or section 60123 ( b ) of title 49 is liable in a civil action to any party incurring expenses incident to any emergency or investigative response to that conduct, for those expenses. 
( c ) Reimbursement.

( 1 ) In general.

The court, in imposing a sentence on a defendant who has been convicted of an offense under subsection ( a ), shall order the defendant to reimburse any state or local government, or private not-for-profit organization that provides fire or rescue service incurring expenses incident to any emergency or investigative response to that conduct, for those expenses.

( 2 ) Liability.

A person ordered to make reimbursement under this subsection shall be jointly and severally liable for such expenses with each other person, if any, who is ordered to make reimbursement under this subsection for the same expenses.

( 3 ) Civil judgment.

An order of reimbursement under this subsection shall, for the purposes of enforcement, be treated as a civil judgment.

( d ) Activities of Law Enforcement.

This section does not prohibit any lawfully authorized investigative, protective, or intelligence activity of a law enforcement agency of the United States, a State, or political subdivision of a State, or of an intelligence agency of the United States. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timing of paymentsa ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation