Errors on your LexisNexis background check can change your life dramatically. Whether you’re applying for a job, renting a home, or getting a loan, these reports are crucial. When they contain mistakes, you may face lost opportunities, financial trouble, and added stress.

LexisNexis collects data from public records and other sources to create these reports. Employers, landlords, and lenders rely on them. Though they aim for accuracy, mistakes occur more often than you’d expect. Incorrect or outdated information can lead to unfair results, leaving you feeling stuck.

At Haseeb Legal, we’re here to assist you. Our team has the experience to fight for individuals like you. We ensure errors in background reports are fixed and your rights are upheld. In this article, we’ll discuss common LexisNexis issues, how to dispute inaccuracies, and how we can support you in this process. Let’s begin.

What Should You Look for on a LexisNexis Background Check?

The Fair Credit Reporting Act (FCRA) gives you the right to get one free background check report from LexisNexis each year. This is super important because mistakes on your report can cause real problems in your life. When you get your report, here’s what you need to check carefully:

Personal Information:

• Look closely at your name, address, birth date, Social Security Number (SSN), phone number, and family members listed.
• Pro Tip: Even a tiny mistake like one wrong digit in your SSN can mix your information with someone else’s records!

Employment History and Education:

• Check all past jobs, work dates, and education records.
• Did You Know? Nearly 35% of background checks have at least one error, and many start with mixed-up employment dates.

Criminal History:

This section can cause the most damage if wrong. Look for:

• Arrests wrongly shown as convictions
• Misdemeanors listed as felonies
• Outdated information (most records should only show the past 7 years)

Real Talk: We’ve seen clients lose job offers because of someone else’s criminal record appearing on their report.

Financial and Credit History:

• Verify account opening/closing dates, balances, credit limits, and payment history.
• Secret Tip: Look for accounts you’ve paid off that still show as open or with balances.

Public Records:

• Check for liens, judgments, and bankruptcies.
• Important Fact: About 20% of LexisNexis disputes involve outdated public records that should have been removed.

Address History:

• Make sure all previous addresses are yours.
• Warning Sign: If you see addresses where you’ve never lived, this could mean your file is mixed with someone else’s.

Make notes of every single error you find, no matter how small it seems. These little mistakes can add up to big problems when employers or landlords are making decisions about you. Keep track of dates when you find errors and gather any documents that prove the correct information.

Fixing these errors isn’t just about cleaning your record. It’s also about protecting your future chances. Don’t let someone else’s mistake hold you back from your next job, apartment, or loan!

What Documents Do You Need to Dispute Your LexisNexis Background Report?

To fight errors on your LexisNexis report, you need solid proof. Without proper documents, your dispute may be dismissed or delayed. This can leave harmful mistakes on your record. The key to a successful LexisNexis dispute is gathering strong evidence that shows the correct information.

Personal Information

To correct personal information errors, gather official documents that prove your identity and the correct details. You can use a clear photocopy of your driver’s license, birth certificate, passport, or Social Security card. If your address is wrong, collect recent utility bills, lease agreements, or mortgage statements that show where you live. These documents provide solid proof of your correct personal information.

Employment History

If your employment history has mistakes, gather documents like pay stubs, W-2 forms, or an official letter from your employer’s HR. These items can verify your job titles, employment dates, and other details that may be incorrect. If you left a job that still appears as current, a letter confirming your end date can help correct this error.

Education Records

You can dispute education record errors by providing copies of your diplomas, official transcripts, or enrollment verification letters. These documents show your accurate educational background. They can help correct wrong details about degrees, graduation dates, or schools you attended.

Criminal History

Criminal history mix-ups need court documents. This includes case dismissal paperwork, expungement orders, or records showing the correct outcome of any charges. If another person’s criminal record shows up on your report, you may need to file an identity theft report. Include this report with your dispute. These official court records are vital for fixing serious background check errors.

Financial Information

For financial issues, collect bank statements, loan payoff letters, credit card statements, or debt settlement agreements. These documents show your actual financial situation. They can correct wrong account balances, payment histories, or accounts that do not belong to you. 

At Haseeb Legal, we have seen many cases where financial errors cost clients opportunities. The proper documentation made a big difference in fixing these mistakes.

How to Dispute Your LexisNexis Background Check by Mail?

Disputing your LexisNexis report by certified mail creates a helpful paper trail. This approach may feel old-fashioned, but it offers solid legal protection if LexisNexis does not resolve your issues. Mail disputes show when you reported errors and what information you provided.

Start with a clear dispute letter. Include your full name, date of birth, and current address. List each error you found. Explain why it’s wrong and how to fix it. Be specific in your requests. For example, say, “Please remove the felony conviction dated January 15, 2022, as it belongs to someone else with a similar name.”

Include copies (never originals) of all supporting documents. Number each document and reference these numbers in your letter to explain what each proves. Always keep copies of everything you send.

Mail your complete dispute package via certified mail with the return receipt requested to:

LexisNexis Risk Solutions Consumer Center P.O. Box 105108 Atlanta, GA 30348-5108

How to Dispute Your LexisNexis Report Online?

Filing an online dispute can feel quicker and easier than mailing documents. The LexisNexis consumer portal lets you submit your information electronically and upload documents. However, this method has some critical drawbacks.

One main concern is that you waive certain legal rights. The terms you agree to when using the online system could limit your ability to sue LexisNexis if they don’t fix errors. The online system also makes tracking when your dispute was received harder.

If you still want to file online, go to the LexisNexis Consumer Center website and follow their instructions for filing a dispute. Be sure to save screenshots of your submission and any confirmation messages. Print these screenshots and keep them with your supporting documents.

What Will Happen After Filing a Dispute?

After you submit your dispute, LexisNexis has 30 days to investigate your claims. This timeframe is required by the Fair Credit Reporting Act (FCRA). During the investigation, LexisNexis will review your evidence and may contact the original data sources to verify information. You should receive a written notice with the investigation results.

If LexisNexis finds errors, it must correct its records and send you an updated report showing the changes. It also needs to stop reporting incorrect information to others. If it decides the disputed information is accurate, it will inform you and explain its decision. It should include contact details for the source of the disputed information. Keep this response letter, as it may be useful for further action.

To know more about the law visit federal trade commission

What Steps Do Background Check Companies Take to Correct Your Report?

The correction process depends on the type of error. For simple mistakes like misspelled names or wrong addresses, LexisNexis can fix these quickly in their system. These straightforward corrections happen fast.

For more complex issues, LexisNexis must contact the source of the information. For instance, if a court record is wrong, they need to verify the correct details with that court. This takes longer but is necessary for accuracy.

Once corrections are made, LexisNexis must notify any business that received your incorrect report in the last two years. They must inform any employer who received your report in the past year for employment reports. This ensures companies make decisions about you and have access to the correct information.

What if LexisNexis ignores Your Dispute?

If 30 days go by without a response from LexisNexis, they break federal law. The FCRA requires consumer reporting agencies to reply to disputes at this time. Their lack of response isn’t just lousy service—it’s illegal.

Document all your contact attempts. Note the dates, times, and names of representatives. Keep copies of every communication. This evidence will be vital if you decide to pursue legal action. Many consumers give up when faced with silence, but you have substantial rights under the law.

Now, reaching out to a consumer protection attorney like us is your best move. Our attorneys can send a legal demand letter that often gets quick attention. If LexisNexis still ignores your dispute, we can assist you in filing a complaint with the Consumer Financial Protection Bureau (CFPB) and prepare a lawsuit if needed.

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Can You Sue LexisNexis If Errors Are Not Fixed?

Yes, you can sue LexisNexis if they don’t fix errors after a proper dispute. Under the FCRA, you may get actual damages, like lost wages from a denied job. You can also claim statutory damages up to $1,000 for each violation, punitive damages, and attorney’s fees.

Contact Us

How do I dispute my LexisNexis report? First, contact us. Errors in LexisNexis background checks can cause serious issues. It’s important to know your rights and take action if you are affected.

We protect consumers’ rights. We make sure companies like LexisNexis follow the law and treat people fairly.

Contact us by:

• Visit our website. Once there, you can fill out a form to be contacted.
• Email us at [email protected] to request a meeting with an attorney.
• Call us at +1630-534-252.

We have helped thousands of consumers in disputes with reporting agencies and background check firms. Our aim is to hold these companies accountable for their mistakes that impact you.