Consumer complaint received 2020-06-02
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to switch my car insurance to XXXX in XX/XX/XXXX/XX/XX/XXXX. During the process I received a quote, and as I migrated to the payment screen my rate had doubled because apparently there was an accident on my C.L.U.E . report that I did not list. Confused, I contacted XXXX where they informed me of an accident reported by LexisNexis in XX/XX/XXXX ( the first time I had ever even heard of this company. ) I told XXXX that this was a mistake, as I was recovering from a broken back in XX/XX/XXXX and not driving at all. They told me there was nothing they could do and that I would have to contact LexisNexis to resolve my issue. After giving me a number for LexisNexis, I called right away. 

I called LexisNexis several times since around XX/XX/XXXX/XX/XX/XXXX. The first time I was unable to reach a live person and after giving all my pertinent personal information to request my C.L.U.E . report I was told I would receive correspondence in the mail within 14 business days. Around a week or two later I received a letter which said they were unable to process my request and provided me with no information at all. After calling XXXX once again they were able to give me a reference number which they said would help me get the information I needed. 

I gave LexisNexis another call and was once again greeted by a computer which was completely unable to understand any of the information I was giving it ( also there was no option to type in the information using my phone. ) I finally decided to give LexisNexis an email on XX/XX/XXXX to which I received no confirmation or response. To my surprise, on XX/XX/XXXX I finally received a response with the information I requested 2-3 months ago. 

The incident that LexisNexis reported on my C.L.U.E . report was for a completely different individual ( as I suspected. ) However, it is incomprehensible to me how they got our information confused. We have different first and middle names, different social security numbers ( YES THEY SENT HIS SOCIAL SECURITY NUMBER TO ME ), different addresses, different email addresses, different vehicles, different insurance companies, different drivers license numbers - I am sure you get the point. 

To summarize, my issue is that erroneous information is being reported on my C.L.U.E . report, which is costing me money. Not only that, but there is no reason for this confusion to happen in the first place. Additionally, and much more egregious, LexisNexis is completely mishandling our personal information ( my own and this other individual. ) I now have access to every address this individual has ever lived at, his social security number, the names of his family members, the make/model/VIN number of his vehicle ( and closely related family members ), even some of his credit history has been disclosed, and much more sensitive information. And I am sure this is a 2-way street. All of my personal information in this file that actually pertains to me is likely being reported to this other individual.

At the end of the day, even if LexisNexis were to resolve my issues, I am the one who had to pay more in car insurance. I am the one who had to wait all this time and go through this insane process to clear their mistake. Who knows how much damage was actually caused through LexisNexis 's mistakes? And why is the onus on me to fix their mistakes? Completely unacceptable.

Company response to consumer: Closed with explanation