Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AZ

Complaint narrative:
XXXX is reporting a claim value of $ XXXX on myself and my husbands LexisNexis report which is inaccurate. We have tried repeatedly to obtain another insurance, but are either denied, or quoted outrageous rates due to this error by XXXX. 

The claim amount should report XXXX ( {$0.00} ) for a No Fault Accident. 

On XX/XX/year> our vehicle was involved in a collision. 

XX/XX/year> XXXX sent an email that they intended to proceed to inter agency arbitration. I immediately sent an email to XXXX XXXX about the other party being at fault and asking him to give me a call. 

On XX/XX/year>, XXXX, AZ City Court Judge dismissed/acquitted XXXX due to " Not Responsible/Dismissed '' the Judge even stating verbally after reviewing the video footage of the accident that the other party was excessively speeding and at fault due to a failure to stop at a red light which resulted in the collision. 

**Note XXXX declined to allow my participation, denied my right to sufficient and appropriate representation, failed to produce the document from the courts that dismissed the case for non-responsibility, thus binding me to their negligently represented outcome. 

At a later unknown date, XXXX conducted the inter agency arbitration without our knowledge and further they failed to take the evidence with them. Since that time XXXX refuses to forward me the inter agency findings/ruling instead offering a blanket response that the insured is not privy to the inter agency report ( though they are financially bound by the results ) and have repeatedly stated that the insured can not dispute the findings ( even though the insured was not informed, or permitted to be present/represented by effective counsel ). 

I was assured under the contract with XXXX that ALL complete records would be provided during this inter agency arbitration ( of insurance companies-nothing to do with the insured ). The arbitrator, believing both parties were ticketed and believing both parties to be found guilty solely due to XXXX failing to provide the dismissed/Not responsible findings, ruled that we were 70 % responsible. Factually, the outcome would have been grossly different had the arbitrator been given the facts that the other party was the " sole party '' found guilty for the accident caused first by their negligent speeding and factually by running of a red light. This again is further supported by the video footage of the accident and remarks made by the XXXX City Court Judge on the record. 

There has been at least XXXX separate disputes filed with LexisNexis for reporting those inaccurate claim payments. While they are reporting us accurately as not at fault, they continue to list those payments which are negatively affecting our credit and financial status. We received a letter from our new insurance co XXXX following their review of the LexisNexis report stating " These coverages are used to pay a claim when a driver is responsible for the damages. '' XXXX then stated they raised our rates for being at fault even though the XXXX City Court Judge ordered us " not responsible ''. The claim payment made by XXXX was made solely due to their own negligent representation during their inter agency meeting. This is a violation of the Fair Credit Reporting Act. The " Insurance Only '' inter agency decision was between the insurance companies only and do not allow the insured to attend. Additionally XXXX failed to properly represent us by failing to take the appropriate evidence/documents as required under contract. 

Please demand both XXXX and LexisNexis update my/our records to list {$0.00} for the Not at Fault accident.

Company response to consumer: Closed with explanation