Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398459
LexisNexis Credit Report Error: Identity Confusion Leads to Non-Monetary Resolution
Complaint Overview
Complaint ID: 18398459
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: Florida
ZIP Code: 33167
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved with non-monetary relief, indicating a likely error correction rather than a systemic problem or significant financial harm.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Identity theft/fraud
AI Analysis
CFPB complaint 18398459 was filed against LEXISNEXIS regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Florida consumer reported incorrect information on their credit report from LexisNexis, stating the information belonged to someone else, and the issue was closed with non-monetary relief. The complaint was received on December 31, 2025 from Florida. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for inaccuracies and dispute any information that does not belong to them.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain and to investigate disputes.
Regulatory Insight
This case highlights the importance of FCRA compliance in preventing identity mix-ups and ensuring accurate reporting of consumer information.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal law to ensure the accuracy of their credit reports.
Industry Comparison
This is a common issue within the credit reporting industry, where data errors or identity mix-ups can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398459 about?
CFPB complaint 18398459 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 December 31, 2025.
Which company is complaint 18398459 filed against?
Complaint 18398459 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 18398459?
LEXISNEXIS responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18398459 filed?
Complaint 18398459 was received by the CFPB on December 31, 2025. It was sent to LEXISNEXIS on January 1, 2026.
What state was complaint 18398459 filed from?
Complaint 18398459 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 18398459?
Dispute information is not available for complaint 18398459.
What product category is complaint 18398459 about?
Complaint 18398459 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 18398459 submitted?
Complaint 18398459 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 18398459?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they maintain and 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 18398459 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18398459?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a likely error correction rather than a systemic problem or significant financial harm.
What regulatory actions apply to complaint 18398459?
This case highlights the importance of FCRA compliance in preventing identity mix-ups and ensuring accurate reporting of consumer information. 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 18398459?
Consumers should regularly review their credit reports for inaccuracies and dispute any information that does not belong to them.
Are there state-specific protections for complaint 18398459?
In Florida, consumers have rights under state and federal law to ensure the accuracy of their credit reports. This complaint was filed from Florida.
How does complaint 18398459 compare to industry norms?
This is a common issue within the credit reporting industry, where data errors or identity mix-ups can occur.
What constitutes 'non-monetary relief' in a credit reporting dispute?
Non-monetary relief typically involves the correction of inaccurate information on the credit report, such as removing incorrect accounts or updating personal details, rather than a financial payout.
How long does a credit reporting agency have to investigate a dispute?
Under the FCRA, credit reporting agencies generally have 30 days (or 45 days if the consumer provides additional information related to the dispute within that initial 30-day period) to investigate a dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.