Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX, I was shopping for XXXX XXXX, and the insurance company pulled a XXXX report that showed there were XXXX claims against my home address under a policy that is not mine and was never mine. I have had no claims on my home and have owned it since XXXX. ( XXXX contact ) On XX/XX/XXXX, I then contacted LexisNexis and requested my XXXX Report. ( XXXX contact-LN  ) On XX/XX/XXXX, I contacted LexisNexis ( XXXX contact ) and was told that I could not dispute the information on the XXXX report because my name was not associated with the claim, only my address was associated with the claim, even though I own the house. Their suggested next step was for me to contact the insurance company that reported the claims to LexisNexis. 

On XX/XX/XXXX, I contacted the insurance company that reported the claims to LexisNexis ( XXXX contact-reporting agency ) and they stated that neither my name or my address was associated with that policy number nor either of the XXXX claims numbers from the XXXX report. Because there was no association between the reported claims and me or my address, they could do nothing to help me other than to refer me back to LexisNexis. 

On XX/XX/XXXX, I called LexisNexis again ( XXXX contact-LN XXXX and they said they could only send the instructions to access my physical report via XXXX again XXXX ( I received the instructions from my first request and accessed the report online. ) On XX/XX/XXXX, I called LexisNexis again after reviewing my Consumer Report ( XXXX contact-LN ) and was told to call the Insurance Company XXXX XXXX the XXXX report on XX/XX/XXXX and ask them to XXXX call with LexisNexis so the rep XXXX " explain '' that the claim is not associated with me. 

On XX/XX/XXXX, I called the XXXX company that pulled the report ( XXXX contact ) and they refused to have a XXXX call because their underwriting department will not approve coverage as long as the claims were on the XXXX report, even if they are not associated with my name. 

On XX/XX/XXXX, I called LexisNexis back ( XXXX contact-LN ) and demanded to talk to a supervisor. The supervisor told me that I can not dispute the claim and to call the insurance company that reported the claims again to fix it. I stressed to him that I had done so twice, and they can not help me. The information is being reported by LexisNexis and needs to be resolved by LexisNexis. The supervisor stated again that LexisNexis will not contact the insurance company reporting the claim because it is not associated with my name, only my address. He said my only recourse was to call the XXXX company that pulled the XXXX report and ask them to do so again and see if it is still there. I asked why he thought it would have been removed, and he did not know but that was my only option. 

On XX/XX/XXXX, I called a different phone number for the reporting agency and was transferred to the same customer support line ( XXXX contact-reporting agency ). The rep tried diligently to figure out what the issue might be but could not find any claims filed against my address. Because they could not find any claims for me or my address, there was no way for them to " fix '' the inaccurate information on their side. She did not show that they had even reported that information for it to be reported on the XXXX report. She suggested I continue to force the issue with LexisNexis. 

On XX/XX/XXXX, I called the XXXX  company that pulled the XXXX  report ( XXXX contact ) and they pulled a new XXXX report and the XXXX claims are still showing, still not associated with my name but associated with my address. 

After XXXX separate conversations and multiple hours with XXXX separate companies, I am caught in a vicious cycle. LexisNexis is reporting inaccurate claims information on their XXXX report, and it is preventing me from getting homeowners insurance. LexisNexis is refusing to dispute the inaccurate information with the reporting agency or to even contact the reporting agency. LexisNexis is in fact refusing to assist with resolution in any way. 

This is causing me financial harm.

Company response to consumer: Closed with explanation