Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18057801
LexisNexis Credit Report Contains Incorrect Information
Complaint Overview
Complaint ID: 18057801
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: Michigan
ZIP Code: 48505
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
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity confusion
AI Analysis
CFPB complaint 18057801 was filed against LEXISNEXIS regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported that incorrect information belonging to someone else appeared on their credit report from LexisNexis. The complaint was received on November 30, 2025 from Michigan. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain.
Regulatory Insight
Credit reporting agencies have a responsibility to investigate disputes and correct inaccurate information in a timely manner.
Resolution Likelihood
likely
State-Specific Consumer Protections
This issue occurred in Michigan.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18057801 about?
CFPB complaint 18057801 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 18057801 filed against?
Complaint 18057801 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 18057801?
LEXISNEXIS responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18057801 filed?
Complaint 18057801 was received by the CFPB on November 30, 2025. It was sent to LEXISNEXIS on November 30, 2025.
What state was complaint 18057801 filed from?
Complaint 18057801 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 18057801?
Dispute information is not available for complaint 18057801.
What product category is complaint 18057801 about?
Complaint 18057801 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 18057801 submitted?
Complaint 18057801 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 18057801?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain. This relates to a Credit reporting or other personal consumer reports complaint against LEXISNEXIS involving "Incorrect information on your report".
How likely is complaint 18057801 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 18057801?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, housing, or employment.
What regulatory actions apply to complaint 18057801?
Credit reporting agencies have a responsibility to investigate disputes and correct inaccurate information in a timely manner. 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 18057801?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with the credit reporting agency.
Are there state-specific protections for complaint 18057801?
This issue occurred in Michigan. This complaint was filed from Michigan.
How does complaint 18057801 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors can lead to significant consumer harm.
What steps should a consumer take if they discover information belonging to another person on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency, providing evidence to support their claim. They should also consider contacting the furnisher of the information if known.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.