Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12268482
Consumer Disputes Inaccurate LexisNexis Data and Seeks Freeze
Complaint Overview
Complaint ID: 12268482
Company: Lexisnexis
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30004
Date Received: 2025-02-28T12:00:00-05:00
Date Sent to Company: 2025-03-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The consumer alleges inaccuracies on their credit report and requests a freeze and opt-out, which could lead to investigation and potential correction or denial.
Consumer Sentiment: neutral
Topics: Credit reporting, FCRA, Dispute, Security freeze, Opt-out
AI Analysis
CFPB complaint 12268482 was filed against LEXISNEXIS regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer disputes inaccurate information on their LexisNexis credit report and requests a permanent security freeze and opt-out. The complaint was received on February 28, 2025 from Georgia. The company responded with "Closed with explanation".
Consumer Narrative
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address XXXX separate but related matters : A formal dispute of inaccurate information on my consumer reports from LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. A request for a permanent security freeze and permanent opt-out on my consumer file. Part 1 : Dispute of Inaccurate Information Upon reviewing my consumer reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). Below are the issues identified : Disputed Account 1 Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX Disputed Account XXXX Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX I request a manual review of this information, as the inaccuracies require correction. I have attached copies of my reports with the incorrect information clearly marked. Please investigate and remove the inaccurate information from my reports, and notify me in writing of the results of your investigation. Under the FCRA, I am entitled to a thorough and transparent investigation of my dispute. If the investigation is not conducted properly, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected.
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for inaccuracies and follow the dispute process outlined by the FCRA, providing clear documentation.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of consumer credit reports, including dispute resolution and security freeze rights.
Regulatory Insight
Credit reporting agencies must investigate disputes of inaccurate information within a reasonable timeframe and take appropriate action.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Georgia (GA).
Industry Comparison
LexisNexis, like other credit reporting agencies, must comply with FCRA regulations regarding data accuracy and consumer requests.
Similar Complaint Patterns
Complaints involving credit reporting agencies often include disputes over inaccurate account information, identity theft concerns, and difficulties in obtaining credit freezes or opt-outs. Consumers frequently report that their disputes are not adequately investigated or that the reporting agencies fail to remove erroneous data in a timely manner.
Related Issues
Frequently Asked Questions
What is CFPB complaint 12268482 about?
CFPB complaint 12268482 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against LEXISNEXIS on February 28, 2025.
Which company is complaint 12268482 filed against?
Complaint 12268482 was filed against LEXISNEXIS. You can view all complaints against this company on their profile page at /company/lexisnexis.
What was the company's response to complaint 12268482?
LEXISNEXIS responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 12268482 filed?
Complaint 12268482 was received by the CFPB on February 28, 2025. It was sent to LEXISNEXIS on March 11, 2025.
What state was complaint 12268482 filed from?
Complaint 12268482 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 12268482?
Dispute information is not available for complaint 12268482.
What product category is complaint 12268482 about?
Complaint 12268482 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 12268482 submitted?
Complaint 12268482 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 12268482?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of consumer credit reports, including dispute resolution and security freeze rights. This relates to a Credit reporting or other personal consumer reports complaint against LEXISNEXIS involving "Improper use of your report".
How likely is complaint 12268482 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 12268482?
This complaint is rated as medium risk. The consumer alleges inaccuracies on their credit report and requests a freeze and opt-out, which could lead to investigation and potential correction or denial.
What regulatory actions apply to complaint 12268482?
Credit reporting agencies must investigate disputes of inaccurate information within a reasonable timeframe and take appropriate action. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 12268482?
Consumers should carefully review their credit reports for inaccuracies and follow the dispute process outlined by the FCRA, providing clear documentation.
Are there state-specific protections for complaint 12268482?
The complaint was filed in Georgia (GA). This complaint was filed from Georgia.
How does complaint 12268482 compare to industry norms?
LexisNexis, like other credit reporting agencies, must comply with FCRA regulations regarding data accuracy and consumer requests.
What is the typical timeframe for a credit reporting agency to investigate a dispute under the FCRA?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if additional information is provided by the consumer.
What are the requirements for a consumer to request a permanent security freeze and opt-out?
Consumers can request a security freeze to prevent new credit from being opened in their name, and an opt-out to remove their information from prescreened offers, subject to specific procedures and potential fees.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.