Consumer complaint received 2021-06-18
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I went from having a family of 4 Auto Insurance policy coverage to getting a policy for 2 of us. During the last 6 months of the family of 4 auto insurance poicy coverage period, I was moved from 2nd person on policy to 1st person, primary policy holder. I was moved into the primary policy holder position because of my credit rating being better then my spouse. When this happened, I became the primary policy holder.

When I became primary policy holder for family of 4 plan, for the 6 months, all the previous accidents went against me when I tried to pull up rates from online auto insurance rate companies. They said that they use Lexisnexis system to pull up policy accident reports. 

3 of these accidents belonged to my daugher. 1 accident belonged to my spouse. I was trying to get a policy for me and my son. Neither of us had any accidents. But the accidents were now being used against me because Lexisnexis system shows all these accidents were from my family of 4 auto insurance policy, and I was primary policy holder on the date I was trying to get a new auto insurance policy. 

My online auto insurance quote, from XXXX XXXX, went from {$70.00} a month to {$170.00} a month. 

I have to get another auto insurance policy in XXXX. I need these accidents removed from my Lexinexis profile. I just got done paying an extra {$100.00} a month, for 6 months, because these accidents, that weren't mine, were applied to my premium. 

I need Lexisnexis to remove these accidents. On XX/XX/XXXX, I ordered my Lexisnexis consumer report from their website and I have not received it yet. 

I need Lexisnexis to remove these accidents, and I'm running out of time to do this in their system. 

Please start a complaint investigation in your system. 

These are the accidents that were used against me from my family of 4 auto insurance insurance policy : XX/XX/XXXX Daughter Rear ended XXXX XXXX  vehicle at a stop light in the XXXX XXXX XXXX Paid out {$2500.00}, claim number XXXX, policy XXXX XX/XX/XXXX Daughters friend, driving XXXX XXXX XXXX, slid on snow/ice, hit trees. Driver complaining XXXX XXXX XXXXXXXX XXXX Paid out {$7000.00}, claim number XXXX, policy XXXX. 

XX/XX/XXXX Insured driving XXXX XXXX XXXX XXXX XXXX XXXX when driver side front tire fell off- Male Spouse Male Spouse was the driver, paid out {$3400.00}, claim number XXXX, policy XXXX. This was a claim that paid out under comprehensive. Everything else was collision. 

XX/XX/XXXX Insured vehicle turning left on XXXX from XXXX. XXXX XXXX had the green light, other vehicle turned in front of her to make his left onto XXXX, hot other vehicle on passenger side. s Paid out {$8100.00}, claim number XXXX, policy XXXX. Daughter was the driver for that one. 

From my XXXX XXXX policy # XXXX

Company response to consumer: Closed with explanation