Consumer complaint received 2018-04-15
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is my 2nd time addressing this same issue. I originally mailed LexisNexis in XX/XX/XXXX and thought this would be fixed. But I have heard nothing and just pulled a new XXXX report which still shows the inaccurate information.

In XX/XX/XXXX my auto insurance literally tripled- for years I paid between $ 1200- $ 1700 yearly. Then when I wen to renew in XX/XX/XXXX it was {$4700.00}. I asked why and was told it was due to a ticket and claim.

On XX/XX/XXXX I ordered my XXXX report from LexisNexis confirmation # XXXX XXXX LexisNexis has me down for the following inaccurate information : XX/XX/XXXX at fault accident 4pts. ( I was not at fault and have a copy of the police report from the Michigan State Police attached ) If anyone wants to question its authenticity all they have to do is pull the report themselves. 
XX/XX/XXXX COMPREHENSIVE LOSS ( CMP ) This is not mine. Please provide a full copy of this claim. 
XX/XX/XXXX ACCIDENT NOT AT FAULT -- - This is not my claim and is possibly mixed with a relative who has a similar name. Please verify all personal information. 
XX/XX/XXXX At fault accident -This is not my claim and is possibly mixed with a relative who has a similar name. Please verify all personal information and provide a full copy of this claim. 
XX/XX/XXXX COMPREHENSIVE LOSS ( CMP ) NOT MINE XX/XX/XXXX COMPREHENSIVE LOSS ( CMP ) NOT MINE I shopped around with 8 different auto insurance and every came back with similar quotes stating my XXXX report score was very bad. 
I am not an attorney and had no idea what i could do to fix this. My insurance agent said I had to get a copy of my XXXX report and dispute anything that is wrong. 
However, I am also a XXXX of my wife who has serious illnesses. XXXX, XXXX XXXX, XXXX XXXX and was on XXXX. 

In XX/XX/XXXX My wife spent 5 months total in the hospital. In XXXX she spent 4-5 months and had XXXX XXXX XXXX. In XX/XX/XXXX I had to rush my wife to emergency 14 times. Each time resulting in her being admitted for at least 3 days, a few times for weeks. In XX/XX/XXXX I came up with XXXX XXXX. Had XXXX and now monitoring that along with caring for my wife, What I am trying to say is that I have very little time and energy to spare trying to get this corrected, but I can not afford the insurance. 

I used to drive a XXXX XXXX, but had to get rid of it due to the high insurance cost. Me and my wife are now dependant on a XXXX XXXX XXXX XXXX with over XXXX miles. Which always breaks down. And i am paying over {$1300.00} just for LIABILITY, which is absurd! 
If I had to run my wife to emergency and the car breaks down she could die. 

I recently found out that my XXXX  report has me with 4 pts for an at fault accident in XX/XX/XXXX this is NOT CORRECT! I never had an accident in XX/XX/XXXX. 

I was involved in an accident on XX/XX/XXXX which was not my fault, I did not get a ticket and even won a civil suit against the driver who did cause the accident and received the ticket. 

PLEASE have LexisNexis correct my XXXX report and provide me with my FULL FILE DISCLOSURE REPORT. attached is the Request for FULL FILE DISCLOSURE FORM. I am also sending the original via certified mail. 

Attached are ; Copy of Michigan State Police report for XX/XX/XXXX accident Copy of XXXX XXXX quote Copy of Full File Disclosure Request Copy of My Michigan Drivers Record - ( zero pts )

Company response to consumer: Closed with explanation