Product: Credit reporting or other personal consumer reports

I had not had insurance for a little while because I was not driving at the time but I needed to get insurance for a job that I was hired to be a driver. I did an insurance search to find a good rate and found one through XXXX  so I called them. They quoted me a rate of around $ XXXX {$80.00} and I told them that was great and I proceeded to give them a credit card information so that they could take the payment. The representative then told me that they needed to run one final report first. After running the report she came back and told me that the report showed I had an car accident on my record which would change the rate for the insurance that they just quoted me. The right ended up being three times more expensive than the rate I was quoted earlier in the call. I knew I'd not had an accident so I was very confused. Immediately after I got off the phone with XXXX  I called XXXX. I stayed on hold forever only to be hung up on finally. So, I got online to see if there was anything on my driving record showing an accident. Finally after going through all kinds of issues I got the information from XXXX and it showed zero accidents. So I called XXXX  again and I asked who I needed to speak to in order to resolve this issue because it had to be a mistake. I was told to call Lexus Nexus because they were the company that progressive ran their reports through. I got the phone number and call Lexus Nexus only to be told that yes there's an accident on my report and that the claim was through XXXX. They said I needed to contact XXXX so I did. XXXX said that they had filed a claim because I had called and ask a question. The question I asked was how do you handle the situation if your car has a dent or scratch on it and you don't know when it happened or where it happened. They proceeded to tell me that customers are required by law to let their insurance company know right away if there is any damage to their vehicle even if it's a small tiny dent or scratch. I never said I wanted to make a claim and I did not even tell them any details. They continued to question me about my inquiry but eventually I told them that I found a tiny scratch on my car but it was okay I did not want to make a claim. They kept sending me text messages to meet with a claim representative to get pictures of my car with the scratch included but I told them I did not make a claim, I did not want to make a claim, I was just asking a question. XXXX told me that they are required to file claims in these situations and that basically I was not doing my job as a consumer because I did not report the scratch right away. My car is paid for, it has been paid for so there should be no reason for me to be required to report any kind of damage to my car. XXXX told me they can not remove that from my record that once it's there it stays there. So this accident is only reported to the insurance companies which in turn raises my rate quite drastically. I did not receive any money for any claim! I filed a complaint through XXXX Nexus and they did an investigation with the result being NOT in my favor. XXXX told me that if I paid the full price that they quoted me after finding this accident on my report that once I have a policy with them they can go remove it from my record with them. But only if I pay the full price first because that's how their system is set up. Because this information is on this report and most insurance companies use the same company to do their reports, I am unable to get the low rate I would get if I had a report with zero accidents. I am struggling financially right now so I need to get the lowest price I can possibly get. Because of this issue I did not get the driving job that I was going to get due to not having insurance. I also got a ticket for having no insurance shortly after this. I lost a job that would have helped me get back in my feet. Now my license is suspended because I could not prove I got insurance. XXXX did not want to listen to my issue or extend the time for me to prove that I have insurance of course so now I owe {$100.00} or more for that issue. I've worked my whole life to keep a clean driving record for many reasons. This is absolutely completely unfair!