Permanent Record

[pseudonym]

This is the first credit question I've had that I couldn't find an answer to here in eight years. Hopefully someone can point me, and others with the same concern, to an authoritative resource.

On credit applications above $150,000 (in 2022), pursuant to 15 U.S. Code § 1681c(b)(1), creditors can view anyone's entire credit history beyond seven years. How can consumers view and dispute any inaccuracies that may be reported from their "permanent record"?  I suspect this may have happened to me recently when an underwriter referenced an account I never opened and isn't on my report.

[FireMedic1]

It may have come from LexisNexis. You can request your report from them.

https://consumer.risk.lexisnexis.com/request 

You'd be surprised how much info they have on you. If you find the fraud. You can dispute it with them.