Product: Credit reporting or other personal consumer reports

The issues are XXXX inaccurate or fraudulent insurance-related incidents that appear on my LexisNexis risk report. These are items reported by Kentucky XXXX XXXX insurance. I have tried to dispute the information with Kentucky XXXX XXXX ( XXXX ), but not yet with LexisNexis. 

In XX/XX/XXXX, I was traveling on XXXX XXXX near XXXX, Kentucky. As I neared XXXX XXXX to XXXX XXXX XXXX, my navigation said there was a wreck up ahead and I saw traffic was backed up. I decided to take XXXX XXXX and reroute. As I was leaving the XXXX to take the exit, a truck pulling a horse trailer was in the XXXX a few cars ahead of me, just beyond the proper exit to the ramp. ( That ramp and the interstate are connected by a long stretch of paint-divided pavement with no barrier before the ramp actually curves away ). As I was entering the ramp and about to pass the truck and trailer, pulled out of the XXXX in front of me to make a late exit onto the ramp. I didn't have to swerve, but I had to quickly move to the right so the truck and trailer wouldn't collide with me. Unfortunately, at the time, the XXXX XXXX ramp was also under construction ; usually there's a small shoulder on the XXXX, but at the time there was no right shoulder, making the XXXX narrower, and the pavement ended on the right side of the XXXX in a several-inches-high dropoff with a sharp top edge corner. When I moved to the right, my right front tire moved about halfway off the edge, and I suppose the sharpness of the edge caused the tire to blow. The force of motion pulled both right tires fully off the pavement. I took my foot off the gas and kept the car straight and under control, but the car was tilted, half on the pavement and half off, and the dropoff was too steep for me to steer the car fully back onto the pavement. I had to travel the length of the exit ramp before coming to a spot that would allow me to maneuver back on, and as I did, the sharp edge of the pavement made contact with the undercarriage of the car, causing substantial damage. The truck passed me and drove away, and I was unable to get a license plate number. 

I reported these same facts to Kentucky XXXX XXXX following the incident, and after inspection they decided to total my car. At first, they made an extremely lowball offer, low to the XXXX where I don't think they actually looked at the car. Negotiating the totaling was a slow, difficult process and XXXX was very resistant... and even a bit shady in the way that they would agree to consider something I suggested in valuing the car, make a new offer that did not include the consideration, I would point out the oversight, and they'd say " oops that's right I forgot, '' ... only that happened multiple times in multiple rounds. I had to negotiate with them at length to get a fair offer. 

I was able to drive a family member 's car while I negotiated with XXXX and later while I shopped for a replacement. I took a brief job in Alaska in XX/XX/XXXX and insured a car for about a month while there for a reasonable rate. Unbeknownst to me, at this time, I had already been priced out of being able to insure my next car in Kentucky by my own agent. After returning to Kentucky, I decided on a replacement vehicle in early XXXX and began seeking car insurance quotes ahead of purchase. I started with my old agent at XXXX but they quoted me an outrageously high rate that was beyond cost-prohibitive. I had been insured with them since XXXX and never once missed a payment. I asked why the quote was so high and they told me it was because of the claim involving the last car. I asked if they were just quoting me so high because they didnt actually want my business and didnt get a response. I shopped around with other carriers, but was surprised to find that most of the rates I was getting, although not nearly as high as the XXXX XXXX quoted me, were still substantially higher ( at least double, in most cases triple or quadruple ) what I had paid for comparable insurance before my car was totaled. 

At the time, I was completely unaware that there was even such a thing as a LexisNexis report on insurance claim history. XXXX never told me about it, let alone that they were reporting any information about me or my claims to it. XXXX quoting agent, after I begged, finally told me about the existence of the report and of XXXX recent accidents that were described as " collisions '' listing me as the " at-fault driver '' that were raising my quotes. XXXX of the " collisions '' was the incident described above. The other was XXXX that occurred in XX/XX/XXXX while my car was at home in my driveway -- the bumper of my car got scratched by the towing hitch on my uncles truck when he came to visit. I dont think it is reasonable to report my bumper getting scratched at home in my driveway to be a driver at-fault collision. I certainly didnt report it that way, I just thought, naively, it was damage that required repair and thats why I have insurance. Frankly, had I known that would be reported as a collision for which I was at fault, and had I known the consequences of that report, I would have lived with the scrapes on the bumper. 

The agent who told me about LexisNexis told me how and where I could dispute the information, but suggested I start with XXXX. I called the agent to whom I reported both the XX/XX/XXXX damage and the XX/XX/XXXX damage, explained the situation and asked for them to correct it so that, if there must be a report, it should at least be accurate as to fault and nature so that basic insurance would not be financially impossible for me. She refused, saying it was out of her hands and that it was just how it was reported. 

I have been trying to obtain a reasonable car insurance rate ever since. In XX/XX/XXXX, finally found a rate I could barely afford through XXXX, and took it because I needed a vehicle, and I hoped that I could keep the insurance for 6 months and then find a new, lower rate after establishing that payment history. However, I am shopping rates again and continue to receive quotes that are outrageously high and that in no way I could possibly afford. That realization is what led to this complaint. 

A recent quote from XXXX appeared to list XXXX items that appear to come from a LexisNexis report. I have requested a full report but they only offer it via access that is provided in a mailed letter, and I anticipate they will likely take a long time to mail it to me, and then I anticipate a long process of dispute after that. I need affordable insurance sooner than that. As best I can tell for now, it appears that the report contains XXXX items, at least XXXX inaccurate or false : XXXX. The XX/XX/XXXX damage described above, reported as a collision characterized as driver at-fault XXXX. The XX/XX/XXXX damage described above, reported as a collision characterizes as driver at-fault XXXX. A XX/XX/XXXX comprehensive claim under {$1000.00} this is for a windshield replacement from a rock hitting the glass of the Alaska car, which was covered by XXXX XXXX. A XX/XX/XXXX accident, not at fault '' this is also for a windshield replacement from a rock hitting the glass of my current car, which was covered by XXXX