Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18081727
Complaint Overview
Complaint ID: 18081727
Company: Lexisnexis
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33309
Date Received: 2025-11-12T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reporting inaccurate driving-record data provided to XXXX XXXX XXXX LexisNexis Risk Solutions XXXX The data incorrectly reflects a moving violation where the actual citation was a non-moving, zero-point window-tint infraction that was dismissed with no adjudication. This error caused XXXX XXXX to improperly increase my commercial auto premium and later issue a cancellation notice for {$2800.00} while the dispute was unresolved. I provided proof, including a certified XXXX XXXX record XXXX XXXX moving violations and the court disposition confirming dismissal/no adjudication, yet the data has not been corrected. I request that LexisNexis investigate and correct all inaccurate information, verify the correct citation status with the XXXX XXXX, and issue an updated MVR and XXXX XXXX Auto report to XXXX and any other data recipients. This inaccuracy has caused financial harm and inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). I am requesting that your agency pursue enforcement and civil penalties for each statute violated. Progressive and/or LexisNexis appear XXXX have violated XXXX XXXX XXXX XXXXXXXX XXXX which authorizes monetary penalties for unfair or deceptive insurance practices XXXX XXXX XXXXXXXX ( XXXX ) ( o ) XXXX, which prohibits unlawful surcharges for non-moving or dismissed infractions XXXX XXXX XXXXXXXX, allowing administrative penalties for filing or using inaccurate information FCRA 1681n and 1681o, which allow civil liability for willful or negligent violations, including statutory fines These violations resulted in improper billing, failure to correct inaccurate consumer-report data, mishandling of required documents, and retaliatory cancellation during an active dispute. I request the agency impose fines, require corrective action, and mandate compliance review to prevent recurrence.
Frequently Asked Questions
What is Complaint #18081727 about?
Complaint #18081727 was filed against Lexisnexis regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-11-12T12:00:00-05:00.
How did Lexisnexis respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Lexisnexis?
Yes, visit the Lexisnexis company profile at readthecomplaint.com/company/lexisnexis to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.