Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NJ)

On XXXX XXXX XXXX  I was informed that I had an unauthorized driver and their vital information such as state driver license number, address, and social security number add to my XXXX XXXX XXXX policy. According to several different XXXX  medical adjustor, XXXX XXXX, underwriting team representatives, XXXX of XXXX, FL, XXXX of XXXX, FL, that and unauthorized additional driver, XXXX XXXX XXXX, was added to my auto policy, effective XX/XX/2024, and my policy was immediately increased. I was also advised that XXXX sent several notifications via their internal XXXX app, to confirm XXXX XXXX, as a resident that resides at my listed address. 
Unfortunately, I did not receive any email notifications, as the document link is not able to be opened. Instead, I received an error message that stated, this mail could not be opened. 
When I advised the XXXX reps that I have no knowledge of, nor any relation to the unauthorized person added to my policy, I was advised to just sign an affidavit confirming that XXXX did not reside at my address and should be removed from my policy. When I began to ask further questions about the method in which XXXX was added to my policy, I was advised by the underwriter, XXXX, that XXXX received a report from the New Jersey XXXX XXXX XXXX, stating that XXXX resides at my address listed. I also asked if I could be furnished a copy of the report that XXXX XXXXeceived from XXXX XXXX  but was advised by XXXX that he is not required to furnish this information to me. I requested to file a formal investigation regarding this issue, as an unauthorized person was added to my insurance without my permission, my insurance premium was increased, I was not issued notice via U.S. Mail, my identity was compromised, and this situation as caused unnecessary added stress mentally, emotionally, and financially towards myself and family. XXXX refused to file a formal dispute and insisted on only signing the affidavit emailed to me. He also refused to transfer the call to a supervisor when asked, instead, he suggested having his supervisor, XXXX, follow up with me next week. 
I later followed up with XXXX with additional questions regarding my policy and the unauthorized driver, XXXX, added, and spoke to XXXX, who confirmed that the source of the information was provided by the credit bureau agency Lexis Nexis. XXXX stated that XXXX XXXX information was furnished by the Credit Agency to XXXX and was added to my XXXX policy at Lexis Nexiss request. I disagree with that statement, as Lexis Nexis is a credit reporting agency that houses credit and critical identity information of consumers. Credit agencies are not allowed to authorize any insurance agency to add or remove drivers to any policy. I advised XXXX that this is not how credit bureaus operate. I asked for XXXX supervisors name to follow up with this issue but was advised that he can not provide any further information to me and offered for a supervisor to contact me. 
Adding an additional person to any insurance policy, without permission from the consumer or verification, is an absolute breach of confidentiality and identity fraud. Not only was XXXX XXXX added to my auto insurance policy, but this unknown person has access to my identity, address, and any insurance benefits applicable to her, since she is a covered driver. 
Upon further research, I contacted Lexis Nexis to review my credit report for inaccuracies, and was advised by the representative XXXX, that XXXX XXXX information was added to my Lexis Nexis credit report by XXXX XXXX, as the source of the information. I can verify her full social security number, date of birth, and state drivers license listed on the report. All this information is detrimental to ones overall well-being in society, and if provided to the wrong individuals, this will cause sever damages to a persons finances, reputation, and identity. Nevertheless, if XXXX XXXX information is reporting on my credit reports, then it is likely that my vital information is reporting on her credit reports as well. 
I have since filed a dispute with Lexis Nexis and issued dispute numbers XXXX XXXXXXXX and XXXX XXXXXXXX. 
As a result, since my identity has been breached and compromise by a reputable insurance company, who refuses to furnish proof of the source in which the matter was caused, and further refuses to conduct a thorough investigation, I am requesting and investigation via this company platform. I will be seeking legal advice on how to proceed regarding my rights as a consumer and victim of identity fraud/ theft.