Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
In earlXXXX XXXX I filed a damage claim with XXXX related to a loaner vehicle from XXXXXXXX XXXX XXXXXXXX. The original damage was around {$2000.00}, and I followed the dealerships instructions. However, without my knowledge or consent, the dealership later submitted an inflated claim of {$11000.00} under my name and XXXX policy. 

Whats worse, XXXX never notified me about this enormous claimnot by email, phone, mail, or any notice. For over a year, I paid approximately {$800.00} per month in premiums, not knowing that this fraudulent claim was affecting my rate. I only discovered the truth after receiving a letter from another insurance company in XXXX. 

Even more disturbingly, I recently found out that XXXX allowed the dealership to submit a second $ XXXX claim ( in addition to the original ) without informing me. Again, I was never contacted or given a chance to verify, approve, or even dispute it. Meanwhile, the dealership cut off all communication with me and refused to answer any of my calls or emails. 

Now, XXXX is threatening me aggressively. They claim I missed a single monthly payment and are sending daily emails, physical letters, and certified mail requiring me to go to the post office just to pick up noticesall while they never informed me once about the $ XXXX fraudulent claim they allowed under my name. They raise my premiums and send threats if Im one day late, but completely hid the real reason for the increase.

This is not just neglectit feels like deliberate mistreatment. Their behavior is inconsistent, intimidating, and deeply harmful. Its emotionally exhausting, and I feel like I am being pushed to the edge. I can no longer sleep, and every day I live in fear of what XXXX will do next. I need urgent help. 
I only discovered this inflated claim one year later, and I immediately asked XXXX : How did a {$2000.00} damage suddenly become {$11000.00}? 

They told me the dealership contacted them a week later, claiming additional damage and requesting a second inspection. That was their only explanation. 

So I asked : Why didnt you notify me? This is my policy, my name. Shouldnt I have been informed or asked to confirm such a huge increase?

They had no clear answer. One representative even told me, It was already a claim, so we just added to it. 

When I said, What if this happened to you {$9000.00} added without your knowledgehow would you feel? they just shrugged it off and told me to call the dealership and then hung up. 
During my phone call with the XXXX claims representative that day, I clearly sensed dishonesty and evasiveness in her responses. If they had nothing to hideif they had acted in a fair and transparent mannerwhy was I never informed of the {$9000.00} addition to the original claim? 

Her inability to give me a straight answer made it even more obvious : this wasnt an oversightit was intentional. 
I could feel it in the way she spoke, in her tone, and in her attempt to shift the blame to the dealership. 
Their behavior was not only unprofessional, but also suspicious and potentially fraudul

Company response to consumer: Closed with explanation