Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13828497
LexisNexis Fails to Correct Credit Report Error After Investigation
Complaint Overview
Complaint ID: 13828497
Company: Lexisnexis
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New York
ZIP Code: 11581
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The company's failure to investigate and correct a reported error could lead to ongoing inaccuracies on the consumer's credit report, potentially impacting future credit applications.
Consumer Sentiment: negative
Topics: Credit reporting, Errors on credit reports, Investigation disputes
AI Analysis
CFPB complaint 13828497 was filed against LEXISNEXIS regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with a company's investigation into an existing problem". A consumer reported an error on their credit report to LexisNexis, but the company's investigation did not resolve the issue. The complaint was received on May 31, 2025 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications and documentation related to the error and the investigation, and consider escalating the complaint if the issue persists.
Legal Context & Consumer Protection Laws
Under the Fair Credit Reporting Act (FCRA), credit reporting agencies like LexisNexis are required to investigate consumer disputes regarding the accuracy of information on their reports.
Regulatory Insight
This case highlights the importance of timely and thorough investigations by credit reporting agencies to ensure the accuracy of consumer financial data.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in New York, indicating potential state-level consumer protection considerations.
Industry Comparison
This issue is common within the credit reporting industry, where errors and disputes over investigations are frequent.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828497 about?
CFPB complaint 13828497 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with a company's investigation into an existing problem", specifically "Their investigation did not fix an error on your report". This complaint was filed against LEXISNEXIS on May 31, 2025.
Which company is complaint 13828497 filed against?
Complaint 13828497 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 13828497?
LEXISNEXIS responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828497 filed?
Complaint 13828497 was received by the CFPB on May 31, 2025. It was sent to LEXISNEXIS on May 31, 2025.
What state was complaint 13828497 filed from?
Complaint 13828497 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 13828497?
Dispute information is not available for complaint 13828497.
What product category is complaint 13828497 about?
Complaint 13828497 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 13828497 submitted?
Complaint 13828497 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 13828497?
Under the Fair Credit Reporting Act (FCRA), credit reporting agencies like LexisNexis are required to investigate consumer disputes regarding the accuracy of information on their reports. This relates to a Credit reporting or other personal consumer reports complaint against LEXISNEXIS involving "Problem with a company's investigation into an existing problem".
How likely is complaint 13828497 to be resolved?
Resolution likelihood: likely. 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 13828497?
This complaint is rated as medium risk. The company's failure to investigate and correct a reported error could lead to ongoing inaccuracies on the consumer's credit report, potentially impacting future credit applications.
What regulatory actions apply to complaint 13828497?
This case highlights the importance of timely and thorough investigations by credit reporting agencies to ensure the accuracy of consumer financial data. 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 13828497?
Consumers should keep detailed records of all communications and documentation related to the error and the investigation, and consider escalating the complaint if the issue persists.
Are there state-specific protections for complaint 13828497?
The complaint originated in New York, indicating potential state-level consumer protection considerations. This complaint was filed from New York.
How does complaint 13828497 compare to industry norms?
This issue is common within the credit reporting industry, where errors and disputes over investigations are frequent.
What are the consumer's next steps if LexisNexis's explanation is unsatisfactory?
The consumer can file a formal dispute with the Consumer Financial Protection Bureau (CFPB) or consider legal action if the FCRA has been violated.
How long does a credit reporting agency typically have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a consumer dispute, with a possible extension to 45 days under certain circumstances.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.