Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18055580
Incorrect Information on LexisNexis Report Resolved
Complaint Overview
Complaint ID: 18055580
Company: Lexisnexis
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information is incorrect
State: Texas
ZIP Code: 76244
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution was provided.
Consumer Sentiment: neutral
Topics: Credit reporting, Personal consumer reports, Data accuracy
AI Analysis
CFPB complaint 18055580 was filed against LEXISNEXIS regarding Credit reporting or other personal consumer reports (Other personal consumer report), specifically about "Incorrect information on your report". A consumer reported incorrect information on their LexisNexis personal consumer report, which was closed with an explanation. The complaint was received on November 30, 2025 from Texas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their personal consumer reports for accuracy and dispute any incorrect information promptly.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of consumer reports, requiring furnishers and credit reporting agencies to investigate disputes.
Regulatory Insight
This case highlights the importance of data accuracy for consumer reporting agencies and the process for handling consumer disputes.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Texas, and the resolution indicates that state-specific consumer protection laws may also apply.
Industry Comparison
This is a common type of complaint within the credit reporting industry, where errors can occur and require investigation.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18055580 about?
CFPB complaint 18055580 involves Credit reporting or other personal consumer reports (Other personal consumer report). The consumer reported an issue with "Incorrect information on your report", specifically "Information is incorrect". This complaint was filed against LEXISNEXIS on November 30, 2025.
Which company is complaint 18055580 filed against?
Complaint 18055580 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 18055580?
LEXISNEXIS responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18055580 filed?
Complaint 18055580 was received by the CFPB on November 30, 2025. It was sent to LEXISNEXIS on November 30, 2025.
What state was complaint 18055580 filed from?
Complaint 18055580 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 18055580?
Dispute information is not available for complaint 18055580.
What product category is complaint 18055580 about?
Complaint 18055580 is categorized under "Credit reporting or other personal consumer reports", specifically "Other personal consumer report". This is one of the product categories tracked by the CFPB.
How was complaint 18055580 submitted?
Complaint 18055580 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 18055580?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of consumer reports, requiring furnishers and credit reporting agencies to investigate disputes. This relates to a Credit reporting or other personal consumer reports complaint against LEXISNEXIS involving "Incorrect information on your report".
How likely is complaint 18055580 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 18055580?
This complaint is rated as low risk. The risk is low as the issue was addressed and closed with an explanation, suggesting a resolution was provided.
What regulatory actions apply to complaint 18055580?
This case highlights the importance of data accuracy for consumer reporting agencies and the process for handling consumer disputes. 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 18055580?
Consumers should regularly review their personal consumer reports for accuracy and dispute any incorrect information promptly.
Are there state-specific protections for complaint 18055580?
The complaint originated in Texas, and the resolution indicates that state-specific consumer protection laws may also apply. This complaint was filed from Texas.
How does complaint 18055580 compare to industry norms?
This is a common type of complaint within the credit reporting industry, where errors can occur and require investigation.
What specific steps did LexisNexis take to explain the resolution to the consumer?
The explanation provided by LexisNexis would detail the findings of their investigation into the incorrect information and the actions taken, if any, to correct the report.
How long does the FCRA typically allow for the investigation of a dispute by a credit reporting agency?
Under the FCRA, credit reporting agencies generally have 30 days to investigate a consumer's dispute, with a possible extension to 45 days under certain circumstances.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.