Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13828499
LexisNexis Fails to Correct Credit Report Error After Investigation
Complaint Overview
Complaint ID: 13828499
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 13828499 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 credit report errors and follow up persistently if an issue is not resolved.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to conduct reasonable investigations into disputed information.
Regulatory Insight
This case highlights potential non-compliance with FCRA's investigation requirements if the company's process was indeed inadequate.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in New York, and state consumer protection laws may also apply.
Industry Comparison
Credit reporting agencies are frequently subject to complaints regarding the accuracy and investigation of consumer-reported errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13828499 about?
CFPB complaint 13828499 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 13828499 filed against?
Complaint 13828499 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 13828499?
LEXISNEXIS responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13828499 filed?
Complaint 13828499 was received by the CFPB on May 31, 2025. It was sent to LEXISNEXIS on May 31, 2025.
What state was complaint 13828499 filed from?
Complaint 13828499 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 13828499?
Dispute information is not available for complaint 13828499.
What product category is complaint 13828499 about?
Complaint 13828499 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 13828499 submitted?
Complaint 13828499 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 13828499?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to conduct reasonable investigations into disputed information. 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 13828499 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 13828499?
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 13828499?
This case highlights potential non-compliance with FCRA's investigation requirements if the company's process was indeed inadequate. 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 13828499?
Consumers should keep detailed records of all communications and documentation related to credit report errors and follow up persistently if an issue is not resolved.
Are there state-specific protections for complaint 13828499?
The complaint originated in New York, and state consumer protection laws may also apply. This complaint was filed from New York.
How does complaint 13828499 compare to industry norms?
Credit reporting agencies are frequently subject to complaints regarding the accuracy and investigation of consumer-reported errors.
What steps can a consumer take if a credit reporting agency's investigation is deemed insufficient?
A consumer can file a formal complaint with the CFPB, send a dispute letter to the credit reporting agency via certified mail, and consider consulting with a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.