Consumer complaint received 2018-07-15
Company: LEXISNEXIS
State: DC
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 is incorrect

Complaint:
On XX/XX/XXXX, my old car stopped working and retired. 
On XXXX XXXX XXXX XXXX I started to search for a new car, what was my plan since XX/XX/XXXX. I just could not afford it before. 
I found a car on XXXX Car Buying program, ( My Auto Insurance company is XXXX and they help to clients to buy search for a car from their website to help to connect to XXXX POC in Dealt ship ). Simultaneously I submitted an app. for Auto Loan for Financing with XXXX, but they offered to me 8.09 % on {$30000.00} or {$40000.00}, and it is too high for me, and I declined it. the XXXX also offers to plan expenses for a new car : what Insurance cost will be? gasoline cost? garage? maintenance? titles and registration. It was helpful tool. The XXXX quoted to me online, in this tool application to calculate the expenses which I will face after I purchase a car. I used their app ; .Acc. to XXXX App about costs : they quoted to me Insurance Premiums about $ 400-500 a 6 month Premiums. 
I run this application several times, and they saved it on my account. 
It was always no more than {$500.00}. I understand that it is only a quote, but it was give n to me by a very prestigious auto insurance whom I trusted since XX/XX/XXXX. 
On XX/XX/XXXX, I came to bank to buy my car and draw checks for dealer, and I called to XXXX in order to obtain a Driver Card from XXXX with Invoice with all the costs. I spoke with XXXX of XXXX auto insurance. XXXX quoted me {$560.00} or so for 6 month. 

On XX/XX/XXXX I was in Dealership in XXXX, VA, and I submitted all XXXX information to my dealer to buy my car,. 
ON XX/XX/XXXX, I called again to XXXX in order to talk about how to lower my Premiums. It was expensive and I wanted to ask, what can be done in order to lower my Premiums. On XX/XX/XXXX I spoke with XXXX ID # XXXX, she quoted me Policy for {$560.00} we spoke at XXXX. I spoke on XXXX XXXX, with XXXX and I submit attached docs. copies of XXXX statements with notes on the Invoices and names of the Agents, and dates and times. Last time, to my best memory, I spoke on XX/XX/XXXX, ith XXXX, agent. who helped me to reduce a little my Premiums by increasing my Deductible amount to $ XXXX.I did not understand that I can do this, but now I know that many people do it. 
XXXX also told me that if I complete DC XXXX XXXX Course online for $ XXXX. 
then this Certificate will be applied to my account and I get Deductions. 
Because my Drivers Record was impeccable, and I received a very special discount for PREMIER DRIVER DISCOUNT ( about $ 100-XXXX ), he told me, that maybe I don't need to remove points but if I will have this Defensive Driver Course, it will reduce my Premiums. I also was told by the agent -- I don't remember now who told me about XXXX XXXX Course and LEXIS NEXIS, but I was reminded to take the course and to obtain my MVR from LEXIS NEXIS. 

In XX/XX/XXXX I received another invoice with a quote in amount of about $ XXXX for 6 month from XXXX. 

I called to XXXX XXXX to get my MVR first on XXXX XX/XX/XXXX. I was given XXXX number. On XXXX XXXX I called again to find out where is my MVR? they lost my MVR and they submitted a new request form me on XXXX XX/XX/XXXX over the phone. ON XX/XX/XXXX I called again to ask : where is my MVR?? which I requested first time on XXXX XX/XX/XXXX? On XX/XX/XXXX, I submitted a complaint about XXXX XXXX, it is on my account. What happened was that, my Auto Insurance co, XXXX, told to me, that they increased my Premiums for my new car, because of the information on LEXIS NEXIS report It took me over then 40 days to obtain My Vehicle Report from LEXIS NEXIS, and there is a complaint letter to you in XX/XX/XXXX, about this matter. I finally received MVR from Lexis Nexis in Middle of XXXX. 
My plan was : to received MVR from LEXIS NEXIS and to research what is wrong and to complete XXXX XXXX Course for DC online by XXXX XXXX XXXX in order to remove violation from my My Vehicle Report, and to decrease my Premiums. 
I had a funeral in XX/XX/XXXX, in XXXX XXXX XXXX, and it was family, and I was not able to focus I was away. I did not complete XXXX XXXX course because I was away for funerals and in mourning. 
Last week, on ca. XX/XX/XXXX, I received an Invoice from XXXX about my Premiums for 6 month from XXXX + 6 month.The final Quote for 6 month was {$100000.00} and not {$530.00} or {$560.00} as I was quoted in XX/XX/XXXX and in XX/XX/XXXX. 
It was an increase in two times X2. 
WHAT HAPPENED??? 
On Wednesday I called to XXXX w/q/ : why XXXX increased my Premiums from ca. $ XXXX-560 to  {$1000.00} for 6 month? I was told that there is a conviction on my MVR provided to XXXX by LEXIS NEXIS. ( MVR Report Case # XXXX, Reference # XXXX ) dated XX/XX/XXXX. I double checked this MVR Case # XXXX, dtd XX/XX/XXXX, and there was written that Lexis Nexis was using information from DC DMV ,XXXX XXXX XXXX, XXXX, WashDC XXXX, ( XXXX ) XXXX.ANd on the report there was a violation " XXXX ticket '' with XXXX points. Accident with XXXX ticket occurred on XX/XX/XXXX, violation entered on my MVR on XX/XX/XXXX.But the first time XXXX contacted me about this violation of XX/XX/XXXX ( more than 2 years ago! ) only last week, when I suddenly received {$1000.00} quote from XXXX for 6 month. 
I panicked and on XX/XX/XXXX, I completed DC XXXX XXXX course, 8 hours, with a purpose to expunge Speeding ticket from the record, and remove this violation, as it is promised on DC DMV and on XXXX XXXX XXXX website. The XXXX knows about this course, and XXXX highly recommends it to her drivers. I completed the course with purpose to remove Violation Code T002 and XXXX points for this T002 violation from my MVR, in hope to reduce premiums. When I submitted my final examen to Defensive Driver course admin, I received a note about that they submitted my successful completion of the course to the DC DMV to remove violation/and points. 
On XXXX XXXX, at XXXX XXXX  I was at the doors of DC DMV on XXXX XXXX XXXX XXXX  XXXX, XXXX, DC XXXX, as it is written on MVR from Lexis Nexis ( see above pls LEXSI NEXIS posted it on MVR ). I wanted to show to DC DMV that I completed course, to give them my copy and BAR code of the Diploma and ask for the Drivers Records from DC DMV. 
The location at XXXX XXXX XXXX was closed with a sign : MOVED to XXXX XXXX. I called to XXXX, spoke with lady operator, she told me that this location was closed for a while already! I think her name was XXXX. It was call to " XXXX '' DC Mayors Line, DMV. ( Lexis Nexis printed out on MVR dated XX/XX/XXXX a wrong address of DC DMV! ). 
XXXX from XXXX DC DMV Mayors Line, told me where I should go ( service stations ) and I took XXXX to XXXX DC DMV at XXXX XXXX XXXX in XXXX. It was XXXX XXXX, on XX/XX/XXXX, my number was XXXX to my best memory, to obtain Drivers Records. When I met Police Officer of DMV, or clerk who was sitting there, I gave to her my Certificate of Completion of Defen.Driv. Course, and also I showed to her MVR from LEXIS NEXIS, dated XX/XX/XXXX.I asked her, why there are still XXXX points from date XX/XX/XXXX? because IAW DC Traffic Law, points should be removed or archived after 2 years after accident or speeding ticket. I asked her, when will it be removed/. because I completed the course? She said to me ( she asked her supervisor to help to her ) and supervisor told me : Look- there are current points : XXXX. There is no VALID points on your Drivers Report! She said that those XXXX points are in history now, and currently I do not have no points. She asked me : did your XXXX XXXX XXXX contacted you about this violation in XX/XX/XXXX-XX/XX/XXXX? I said : No. It is first time I see this violation on my MVR and my premiums were increased because of this old violation which is now in archive after 2 years. She said that I must call to LEXIS NEXIS and tell to L-N that they must correct their MVR about me. That MVR which they submitted to Auto Insurance about me, is old or they placed those points as Valid -on purpose maybe? She said that you have clean hands record, no points currently. And they should not charge you for archived violations in the past past. ( over 2 years ). 

I called to LEXIS NEXIS at ca XXXX XXXX  on XX/XX/XXXX, spoke with XXXX XXXX XXXX XXXX said that LEXIS NEXIS can not correct the MVR, but I must call to XXXX XXXX XXXX and ask XXXX to " request a FORCED MVR '', or XXXX XXXX XXXX must made this second FORCED REUQEST for my MVR from DC DMV with more updated and accurate information so that when Lexis Nexis will receive a new, updated MVR, there will be no more violation which was removed by XXXX XXXX  Course completed and submitted to DC DMV on XX/XX/XXXX. ( attached ). 
XXXX XXXX ( XXXX XXXX  ) Telephone XXXX, instructed me to talk only with UNDERWRITER. She said that only the UNDERWRITER can request FORCED MVR second time from DC DMV. I called immed. .to the XXXX at XXXX. I req. to speak with UNDERWRITER. I spoke with XXXX   Employee # XXXX.I asked to speak with Underwriter only. She did not want to connect me to UNDERWRITER. It was a big hassle with her in order to get to speak with UNDERWRITER/ she placed me on hold. Then 10 min later I was connected to speak with XXXX XXXX # XXXX.I explained to XXXX why I must speak with Underwriter. XXXX told me : I am empowered to make changes. I told to her what I told to XXXX XXXX, of Lexis Nexis, that MVR report is incorrect and we need to correct my MVR from LEXIS NEXIS in order to recalculate the Quote for my car 's premiums. XXXX asked me to submit to XXXX documents : DC DMV record, with NO POINTS currently. 
And Completion of the Defensive Driver course on XX/XX/XXXX in order to remove totally this violation about speeding ticket, dated XX/XX/XXXX ( 2 yrs 4 month ago ). 
And after that to call to her again. I did as she told me to do. We finished talking at ca. XXXX XXXX. XXXX XXXX ID XXXX gave to me extension # XXXX, or XXXX or XXXX - which later she said was not good extension. 
After I submitted online my documents from DC DMV to XXXX, I called to XXXX XXXX asked for XXXX XXXX # XXXX.extension XXXX.I spoke with woman, She said that extension is not working. We got disconnected. I called again : I spoke with DC Licensed Agent of XXXX, by name XXXX # XXXX at ca. XXXX XXXX. XXXX # XXXX reviewed my documents,. which I submitted online and he said that they mean nothing and he is not going to change anything. I was very upset and I said that I want to speak with your supervisor XXXX ( XXXX ), she was doing changes on my policy and she asked me to email to XXXX DC DMV record and Defensive Driver course certificate what I did. 
And XXXX started to harass me that : we at XXXX know that you are a violator, you have convictions on MVR and we judge you. I argued : but IAW DC Traffic law, points are removed after 2 years and they are no longer on the my DC DMV MVR. The points are only current on the MVR report from Lexis Nexis. 
XXXX said : we at XXXX don't care what you did or do to clear your records. because we know -we saw the record and we judged you. 
I asked him : why XXXX only discovered about the points only now? in XX/XX/XXXX and not in XX/XX/XXXX? because if I knew that I had a conviction on my MVR, with points, and high premiums, I would NOT BUY my car. I would ride BIKE and XXXX.I told to him, what I wrote in the beginning of my letter, that if XXXX and LEXIS NEXIS could give me a quote for Insurance in XX/XX/XXXX, before I bought my new used car, and I knew that my Premiums will be {$1000.00} for 6 month : I WOULD NOT BUY THE CAR!!!!!! It became ugly because I was trying and tring but nothing was happening, and it is because LEXIS NEXIS did not submit a correct MVR from DC DMV about me to my Auto INSURANCE. 
The report which they ( LEXIS NEXIS ) submitted about me, was dated XX/XX/XXXX, but it had 1. bad old outdated DC DMV location 's address on XXXX XXXX XXXX ( MOVED long time ago in XXXX XXXX ). 2. LEXIS NEXIS reported points on my MVR as so as they are valid current points and they are not CURRENT NOT CURRENT. So DC DMV told to me in XXXX DC DMV location on XX/XX/XXXX and they told me, DMV, that I must call to LEXIS NEXIS and ask them to update my MVR and submit the correct MVR to my Insurance co. 
Words of XXXX upset me at ca. XXXX XXXX  or XXXX XXXX  of XX/XX/XXXX. 
It led nowhere. I asked him, I think, to connect me to XXXX XXXX, supervisor, but he could not do from his Location. I called to XXXX separately last night 2 times because I was so emotional about calls and DC DMV and going and driving and pursuing and completing and I asked XXXX to request a FORCES MVR from DC DMV for LEXIS NEXIS. I left a message on her voice last night. And I told to her, that I don't want to argue and to explain to all the XXXX insurance company what is happening, over and over again and get emotionally upset after that, and that XXXX XXXX of LEXIS NEXIS told to me to ask Underwriter in XXXX to Request a FORCED MVR about me. And this is ALL I want right now. I don't believe anymore that she really cared about me, when she told me that when you submit DC DMV report and Certificate of XXXX XXXX course to XXXX, that XXXX will add her note to my account, and agent of XXXX will know what to do. I called,. Spoke with XXXX who insulted me and we hung up .After that I cried and cried because I was .. I could not do it no more.English is my primary acquired language, and the topic is very high finances for me, and it is difficult. I submitted a Complaint about Auto Insurance to DC Insurances commissioner yesterday. 
If XXXX would be careful about me and my account and LEXIS NEXIS would provide to XXXX accurate information, I would know that my premiums are high and I can not buy a new used car because of the violation. Or I need to hire a lawyer to remove it. 
But I removed it with XXXX XXXX course on XX/XX/XXXX after I found out what it is, and that I have a speeding ticket on my MVR and I must do the course XXXX School, in ordre to remove it. And I did it on XX/XX/XXXX. 
LEXIS NEXIS provided incorrect information about my MVR to my AUTO Insurance. 
DC DMV agents told me to contact LEXIS NEXIS to correct my record. 
I tried to ask XXXX to do request FORCED MVR. But after talking on phone from ca. XXXX XXXX  to XXXX XXXX XXXX   -- nothing happened, And as a result I filed a complaint about LEXIS NEXIS and XXXX to Commissioner of Insurances in DC.

Company response to consumer: Closed with explanation