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 — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: AZ

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Arizona XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXXXXXX XXXX XXXX, GA 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 t
hat 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. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY 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 XXXX ACCOUNT NUMBER # XXXX Please remove it from my credit report. 

15 U.S. CODE 1692K - CIVIL LIABILITY XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Please remove it from my credit report. 




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

There is some inaccurate information reporting. 
XXXX XXXX ACCOUNT NUMBER # XXXX Please remove it from my credit report. 


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 XXXX Please remove it from my credit report. 


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


Verify these late payment entries with proper documentation from the original creditor ( not an automated system ). 


If you can not fully verify the accuracy of these entries with supporting records ( such as account statements or signed agreements ), then these late payments must be deleted from my credit report immediately. 


Update the affected accounts to reflect an on-time payment history and mark them as Pays as Agreed. 


Response Requirements : As required by 15 U.S.C. 1681i, you have 30 days to complete this investigation and provide me with the results, along with a detailed Method of Verification. I do not consent to XXXX  or automated verification ; I expect a manual review and documented proof.

If you fail to comply, it may constitute willful or negligent noncompliance under 15 U.S.C. 1681n & 1681o, and I reserve the right to pursue legal remedies. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation