Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18056416
LexisNexis Credit Report Error: Incorrect Identity Information
Complaint Overview
Complaint ID: 18056416
Company: Lexisnexis
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Illinois
ZIP Code: 60619
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: medium
The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit, potentially leading to financial harm.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 18056416 was filed against LEXISNEXIS regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report from LexisNexis, stating that information belonging to someone else was present, and the issue was closed with an explanation. The complaint was received on November 30, 2025 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports from all major bureaus and dispute any inaccuracies immediately, providing supporting documentation.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes and correct inaccurate information.
Regulatory Insight
Credit reporting agencies have a responsibility to maintain accurate records and prevent the commingling of consumer data.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Illinois, consumers have rights under state law to access and dispute their credit information, in addition to federal protections.
Industry Comparison
This issue is common across the credit reporting industry, where data errors can occur due to various factors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18056416 about?
CFPB complaint 18056416 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against LEXISNEXIS on November 30, 2025.
Which company is complaint 18056416 filed against?
Complaint 18056416 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 18056416?
LEXISNEXIS responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18056416 filed?
Complaint 18056416 was received by the CFPB on November 30, 2025. It was sent to LEXISNEXIS on November 30, 2025.
What state was complaint 18056416 filed from?
Complaint 18056416 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 18056416?
Dispute information is not available for complaint 18056416.
What product category is complaint 18056416 about?
Complaint 18056416 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 18056416 submitted?
Complaint 18056416 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 18056416?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes and correct inaccurate information. This relates to a Credit reporting or other personal consumer reports complaint against LEXISNEXIS involving "Incorrect information on your report".
How likely is complaint 18056416 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 18056416?
This complaint is rated as medium risk. The presence of another person's information on a credit report can significantly impact a consumer's creditworthiness and ability to obtain credit, potentially leading to financial harm.
What regulatory actions apply to complaint 18056416?
Credit reporting agencies have a responsibility to maintain accurate records and prevent the commingling of consumer 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 18056416?
Consumers should regularly review their credit reports from all major bureaus and dispute any inaccuracies immediately, providing supporting documentation.
Are there state-specific protections for complaint 18056416?
In Illinois, consumers have rights under state law to access and dispute their credit information, in addition to federal protections. This complaint was filed from Illinois.
How does complaint 18056416 compare to industry norms?
This issue is common across the credit reporting industry, where data errors can occur due to various factors.
What steps should a consumer take if they discover information belonging to someone else on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (LexisNexis in this case) and the furnisher of the information, providing evidence of the error. They should also consider filing a complaint with the CFPB if the issue is not resolved.
What is the typical timeframe for a credit reporting agency to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information during the dispute period) to investigate and respond to a consumer's dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.