Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (KY)

I applied for several insurance policies with XXXX XXXX within in XX/XX/2023 ( auto, home, umbrella ). The company gave me quotes, and we moved forward with obtaining a policy. The home insurance policy came back " not issued as quoted '' with the home insurance 's actual rate 20 % higher than the quote, which is a {$500.00} difference in rate. All relevant information was given and accurately reported by us at the time of the quote and application. XXXX XXXX sent us the required letter about adverse action taken on the basis of a consumer report. 

Upon inquiry, we were told the rate increase was based on an adverse report on an upcoming LexisNexis consumer report, but not what the adverse information was. We were told to request the report from LexisNexis and to correct anything that was inaccurate. 

The LexisNexis report was sent. There were two inaccuracies. One was for the Automated Value Model for our home. The current value was listed as between 3-4x the actual value of our home. The one-year value was roughly accurate, and the five-year value was {$0.00}. This was in contrast to other addresses we have owned which showed a roughly correct value. The second inaccuracy was an unrelated person 's claims showing up on my C.L.U.E . report. The claims were related to a dog bite and what looks like might be a lightning claim and appear in the same section as the one accurate claim that was made for our residence from a few years ago. I contacted LexisNexis about the inaccuracies. They allowed me to dispute the home value. They did not allow me to dispute the other person 's data on my C.L.U.E . report and told me to take it up with the company that reported it, which happened to be XXXX XXXX. I was also told by LexisNexis that I just needed to tell the insurance company using the inaccurate information to ignore it and not to use it. Considering State Farm wont let me discuss the inaccuracies with an underwriter, this is not a possibility. 

No one that I can get ahold of at XXXX XXXX as a consumer knows how to correct this. I spent a significant amount of time being bounced around before they could even identify the claim number because LexisNexis reported it with several ending numbers that aren't relevant. Supposedly someone at XXXX XXXX is now looking into it, but that person has no idea what to do to correct the report. 

The second part of this relates to the information XXXX XXXX is using to underwrite my own home insurance policy, which was " not issued as quoted. '' After several requests, my husband and I have yet to figure out what adverse information is increasing our home insurance rate from the quote. We were not told if it was based on something on my report, his report, or both reports. From our applicant side, we disclosed all information used to give us the original quote accurately. Our home worth was accurate and our insurance claim history is accurate. We are left to assume that the XXXX and the unrelated persons claims are the problem, but we have no way to know if correcting this information will do anything or if it is even the adverse information. Our XXXX XXXX agent has noted that it is XXXX XXXX policy to shield their agents from accessing the consumer report information, so she has no real way to tell us what specific information is making the policy come back not issued as quoted. With us not being allowed to discuss the consumer report information with the person that is using it, we can not ensure that the adverse information itself is correct or not.