So every time he plays "off" coverage, he is in man to man? or maybe just maybe, he is playing the defense as it is being coached. And the play he got beaten on by Lloyd, was ZONE coverage, and yes, he bit on the double move fully expecting his FS to be in the Cover 3 zone for support. But hey, he was the one closest to the ball, so HE must have been the one who screwed up.
Unless you know what the defensive call is, there is no way you can really know for sure if they are "playing off coverage" on their own, or in most cases, how they are coached to line up. DO you honestly think that if one of the CBs isn't lining up properly, that wouldn't be addressed immediately?