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Just as a note, I had the exact same issue as the original poster, and doing this actually fixed it after 6 failures to load. I had zero mods installed, all 4 main DLCs, no Gunrunners, etc.
I know that when you enter/exit The Divide, it resets a number of factors attributed to your character, such as hunger, thirst, and weariness. Perhaps there's a hidden value that it resets which Dead Money is attempting to check.
I wanted to also confirm that this does indeed work. Was having the same issue and this fixed it immediately.