Consumer complaint received 2019-06-28
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good evening, XXXX XXXX Homeowner # - XXXX XXXX XXXX XXXX XXXX company pulled a credit report without my explicit authorization in order to increase my insurance premiums in retaliation for the Irma claim. 

The negative items on my credit file were due to a serious Illness XXXX-XX/XX/XXXX I was in and out of XXXX,, work and incurred a lot of expenses in addition to the economic downturn pay-cuts. 

I had to file Bankruptcy in XX/XX/XXXXover 4 years ago and it has been over 5 years since i had a late payment ( prior to Bankruptcy ). I pay everything on time and have -0- missed payments - So, I am not sure where XXXX XXXX XXXX is getting " recent '' delinquency from. The number of accounts established is the only way I can bump up my credit score and build credit, most of which have XXXX balances. 

There are -0- accounts under the code 0131 ... .That is false information under the LexisNexis they used without my authorization or consent. I can not dispute because they do not have the data online you have to wait until they send it to you. The derogatory record ( Chapter XXXX ) is from XX/XX/XXXX going on 5 years since it happened and 2 years before Irma ... 

I have had my insurance since 2XX/XX/XXXX and the recent claim 2 years ago was due to damage from a Hurricane which is not my fault, & to which XXXX XXXX did not agree to pay the full amount of the damages, so XXXX did not cover all the damages to my home and made me sign a release and paid a lesser than half of the damages provided by the Public Adjuster and with a lot of disputes & delay of almost 9 months to settle.. In addition to the deductible for repairs, I had to use funds I had saved up and other funds. 

I think this is retaliatory action against me for the Irma Claim which is unfair. I am sure I am possibly not the only one and this abuse needs to be harnessed and handled as they are attempting to abuse consumers with whatever means possible. 
It appears they are looking for ways to recover monies they had to pay for the Hurricane Irma claims by using any available loophole. This is possibly illegal, and at best, unethical. 

At this moment, my house is Hurricane Proof. It is unjust to raise premium by thousands of dollars by looking for an excuse to increase premium for claims XXXX XXXX XXXX had to pay out as a result of a Natural Disaster.. 

I will be reporting them to regulatory agencies so that your agency is aware of how the customers are being abused in order to cover the losses from 2 years ago, Irma. 

I do not appreciate their sending me a letter of RISK as I was a common criminal and irresponsible when they have no idea of all the things I went through fighting XXXX which caused me to file for Chapter XXXX XX/XX/XXXX. 


At this moment, my house is Hurricane Proof. It is unjust to raise premium by thousands of dollars by looking for an excuse to increase premium for claims they had to pay out as a result of a Natural Disaster.. 

I am reporting them to the Insurance regulatory agency as well so that you are aware of how the customers are being abused in order to cover the losses from 2 years ago, Irma. 

I do not appreciate their sending me a letter of RISK as I was a common criminal and irresponsible when you have no idea of all the things I went through fighting XXXX & when I have been a customer of theirs since XXXX.

Company response to consumer: Closed with explanation