Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18058461
LexisNexis Credit Report Contains Someone Else's Information
Complaint Overview
Complaint ID: 18058461
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: California
ZIP Code: 93710
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, Identity Issues, Data Accuracy
AI Analysis
CFPB complaint 18058461 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, specifically that of another individual, appeared on their credit report from LexisNexis. The complaint was received on November 30, 2025 from California. 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.
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 bureaus must investigate disputes and correct errors, including instances where information from one consumer is erroneously attributed to another.
Resolution Likelihood
likely
State-Specific Consumer Protections
In California, consumers have additional rights under the California Consumer Privacy Act (CCPA) regarding their personal information.
Industry Comparison
This issue is common across credit reporting agencies, highlighting systemic challenges in data accuracy.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18058461 about?
CFPB complaint 18058461 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 18058461 filed against?
Complaint 18058461 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 18058461?
LEXISNEXIS responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18058461 filed?
Complaint 18058461 was received by the CFPB on November 30, 2025. It was sent to LEXISNEXIS on November 30, 2025.
What state was complaint 18058461 filed from?
Complaint 18058461 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 18058461?
Dispute information is not available for complaint 18058461.
What product category is complaint 18058461 about?
Complaint 18058461 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 18058461 submitted?
Complaint 18058461 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 18058461?
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 18058461 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 18058461?
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 18058461?
Credit bureaus must investigate disputes and correct errors, including instances where information from one consumer is erroneously attributed to another. 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 18058461?
Consumers should regularly review their credit reports from all major bureaus and dispute any inaccuracies immediately.
Are there state-specific protections for complaint 18058461?
In California, consumers have additional rights under the California Consumer Privacy Act (CCPA) regarding their personal information. This complaint was filed from California.
How does complaint 18058461 compare to industry norms?
This issue is common across credit reporting agencies, highlighting systemic challenges in data accuracy.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the inaccurate information with the credit reporting agency (LexisNexis in this case) and provide any supporting documentation. They should also consider filing a complaint with the CFPB.
What is the responsibility of a credit reporting agency when incorrect information is reported?
Credit reporting agencies are required by the FCRA to investigate disputes and take appropriate action to correct any inaccuracies found on a consumer's report.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.