Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
In XXXX XXXX XXXX. I contacted my former auto insurance provider to inquire after scraping the rims of my vehicle due to icy road conditions. There was no collision, no other party involved, and I never filed a claim or received any payment or repair. Upon realizing the cost was less than my deductible, I immediately asked the insurer to cancel everything. 

However, LexisNexis XXXX is now reporting this as a non-chargeable at-fault accident, which is incorrect and unfair. This report is negatively affecting my insurance record, even though I never received any compensation or services. I have contacted LexisNexis to request removal of this inaccurate entry, but they have not responded. 

I respectfully request that the CFPB assist in ensuring this inaccurate and misleading information is corrected or removed from my XXXX report. 

I am writing to formally dispute an accident claim erroneously attributed to me in XXXX 

According to my current insurance records, this accident was reported under my name, but I was not involved in any such incident. I did not authorize, file, or participate in this claimthis appears to be a mistake on your part when processing my previous coverage. 

This incorrect record is now adversely affecting my current premium with XXXX, as I currently drive under Massachusetts regulations and maintain a Snapshot account. Removing this error from my record is essential to accurately reflect my driving history. 
Also, I want to clarify that there were no other people involved, no injuries, and no damage to any other property. I did not pay a deductible, and no repairs were ever made. I only contacted XXXX initially to ask some questions, but as soon as I realized the deductible was too high and that I would not proceed with the claim, I clearly asked for it to be closed. However, the claim was not closed and was instead reported under my name, which is now affecting my driving history and the insurance rates I may receive in the future. 
Explanation : No involvement in or knowledge of this accident ; no claim was ever filed by me. Furthermore, I would like to clarify that XXXX Insurance never repaired my vehicle, and I never paid any deductible related to this alleged claim. There was no accident involving my vehicle, nor any other party. This entire situation appears to be a misunderstanding or an internal processing error. At no point did I authorize, file, or receive any claim payment or service related to this incident. ... This incorrect record is now adversely affecting my current insurance policy. 


* * Requested actions : * * 1. Conduct a full investigation of this erroneous claim.

2. Remove it from my individual driving/insurance record.

3. Notify all relevant third parties ( e.g., LexisNexis, XXXX, XXXX. XXXX XXXX XXXX ) that the claim has been found invalid and removed. 

Please confirm receipt of this email and inform me of your next steps. I am prepared to provide any additional documents needed to process this dispute. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation