Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
Items in dispute for XXXX Clue report : Speeding Violations : XX/XX/XXXX : Speeding 10 MPH or less over the posted speed limit that is less than 55 MPH. 
XX/XX/XXXX : Speeding over 10 MPH but less than 76 MPH. 
At-Fault Accident : XX/XX/XXXX : At-fault accident with property damage exceeding {$3800.00}. 
Improper Equipment Charges : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Not-at-Fault Accident : XX/XX/XXXX Comprehensive Loss : XX/XX/XXXX : Less than {$1000.00} in damages. 
Towing Payments : XX/XX/XXXX XX/XX/XXXX If any of these points are inaccurate or can not be verified with proper documentation, they should be removed LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute and Request for Correction/Removal of Inaccurate Information in CLUE Report Date : XX/XX/XXXX I, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX do solemnly affirm under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge and belief. 
1. Identification of Disputed Information : My CLUE report contains inaccurate and harmful information that has significantly increased my insurance premiums and caused financial harm. Specifically : * Inaccurate Driving Record : The report attributes traffic violations and incidents to me, XXXX XXXX XXXX, without proper verification. These include : * Speeding violations ( 10 MPH over the posted speed limit on XX/XX/XXXX and XX/XX/XXXX ). 
* An at-fault accident on XX/XX/XXXX. 
* Multiple improper equipment charges and other incidents that are inconsistent with my driving record. 
These violations may not belong to me, and their inclusion in my record is erroneous and fraudulent. 

* Fraudulent Driver Addition : My CLUE report improperly lists XXXX XXXX XXXX XXXX XXXX as a rated driver on my insurance policy. This individual is not me, has no connection to my insurance policy, and has erroneously been associated with my profile. 
* Inaccurate Incidents : The report attributes incidents and violations to both XXXX XXXX XXXX XXXX  and " XXXX XXXX XXXX, '' including : * Speeding violations and at-fault accidents. 
* Improper equipment charges that I did not incur. 
These errors have no basis in fact and represent gross inaccuracies that have harmed me financially. 

2. Financial and Reputational Harm : Due to the inclusion of XXXX XXXX XXXX XXXX XXXX and the inaccurate incidents on my CLUE report : * Led to a significant increase in my insurance premiums, as evidenced by my most recent policy declaration, showing a premium of {$1600.00}. 
* Caused damage to my financial standing and insurance score, impacting my ability to obtain fair rates. 
This wrongful association and incorrect driving record have damaged my financial standing and creditworthiness as assessed by insurance providers.

* 3. Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ) ( 1681 et seq. ), I assert my rights to : * Accuracy in reporting : 1681e ( b ) requires consumer reporting agencies to maintain accurate and verifiable information. 
* Verification of disputed information : 1681i mandates reinvestigation of disputed items and proof of their validity.

* Protection from harm caused by errors : 1681n provides remedies for damages resulting from willful noncompliance with the FCRA.

4. Demand for Verification and Proof : I formally request LexisNexis to : 1. Provide verifiable proof of all violations attributed to XXXX XXXX XXXX, including certified documentation and evidence of each incident. 
2.Immediately remove " XXXX XXXX XXXX '' from my CLUE report as an associated driver. 

3.Investigate and remove all fraudulent and inaccurate violations that can not be substantiated. 
4.Correct my driving record and provide a revised CLUE report reflecting accurate information. 
5. Allegation of Fraud and Negligence : The inclusion of violations and incidents without proper verification constitutes negligence and potential fraud. By attributing incorrect information to my driving record, LexisNexis has caused undue financial and reputational harm, for which I hold the company accountable. 
The inclusion of XXXX XXXX XXXX XXXX XXXX and unverified incidents in my CLUE report constitutes negligence and potential fraud. LexisNexis has failed in its obligation to ensure the accuracy of its reports, resulting in financial harm to me. 
6. Supporting Documentation : Enclosed with this affidavit, I provide the following : * A copy of my most recent insurance declaration page showing policy information and premium details. 
* A copy of the underwriting notice highlighting incorrect attributions of incidents and violations. 
* My drivers license confirming my identity and disproving any association with XXXX XXXX XXXX XXXX XXXX  XXXX. Notice of Legal Action : Should this matter not be resolved promptly and accurately, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), state insurance regulators, and pursue civil litigation to recover damages caused by this negligence. 
8. Supporting Documentation : Enclosed with this affidavit, I provide the following : * A copy of my most recent insurance declaration page showing policy information and premium details. 
* A copy of the underwriting notice highlighting the alleged violations and incidents. 
* My drivers license confirming my identity and disputing the violations attributed to me. 
Declaration : I declare under penalty of perjury that the foregoing is true and correct. I trust LexisNexis will address this matter with the seriousness it requires and rectify the harm caused by the inaccuracies in my CLUE report. 

Signature : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief