LexisNexis Sued For Allegedly Including False Car Insurance Claims History on Texas Couple’s Credit Reports

car insurance

Francis Mailman Soumilas, P.C., recently filed a lawsuit on behalf of a married Texas couple against LexisNexis Risk Solutions Inc., (“LexisNexis”) in the U.S. District Court for the Northern District of Georgia, alleging that the company violated the U.S. Fair Credit Reporting Act (“FCRA”).

According to the complaint in the lawsuit, LexisNexis has been reporting derogatory and inaccurate statements and information regarding our clients and their credit histories to third parties from at least March 2022 through the date the complaint was filed. The alleged inaccurate information at issue in the lawsuit pertains to the reporting of automobile insurance claims, automobile accidents, and personal identifying information.

Specifically, LexisNexis is allegedly reporting inaccurate insurance claims, which are at-fault accidents that do not belong to our clients and instead belong to other consumers. LexisNexis allegedly mixed our clients’ credit files with that of other consumers with respect to this information.

This allegedly inaccurate information negatively reflects upon our clients’ driving and insurance claims history, their financial responsibility as consumers, and their worthiness for automobile insurance coverage and competitive automobile insurance rates.

Even though our clients disputed the allegedly inaccurate information with LexisNexis around March 2022 by following its established procedures for doing so, LexisNexis has indicated to our clients that it plans to continue publishing this inaccurate information.

“Many of us know the price we pay, literally, when we are involved in a car accident because of the way accidents often increase car insurance premiums,” said Siobhàn E. McGreal, one of the lawyers at Francis Mailman Soumilas, P.C., who filed the lawsuit. “Our clients here, however, have been paying the price for something beyond their control: LexisNexis’s mixing of their car insurance claims history with that of other consumers, which is unlawful under the FCRA.”

According to the complaint, despite our clients’ efforts to correct the inaccurate information LexisNexis is publishing about them, LexisNexis has (i) never contacted them to follow up on or verify their disputes, (ii) never contacted third parties that would have information concerning their disputes, (iii) never forwarded any relevant information concerning their disputes, and (iv) never requested or obtained the actual public records, police records, or other records relating to the inaccurate information. The complaint alleges this misconduct violated the FCRA.

As a result of LexisNexis’s alleged unlawful conduct, our clients have suffered actual damages in the form of automobile insurance rate increase or loss of automobile insurance opportunity; defamation; and emotional distress, including anxiety, frustration, embarrassment, and humiliation.

The relief our clients are seeking in the lawsuit includes, among other things, actual damages, statutory damages, and punitive damages.

If your consumer report contains inaccurate information about you, including insurance records that do not belong to you, you may be able to recover damages against the consumer reporting agency that created it. If you do so, the consumer reporting agency may also be required to pay your attorneys’ fees and costs.

Click here or call 215-735-8600 to schedule a free case review with a representative of Francis Mailman Soumilas, P.C. Located in Philadelphia, Chicago, New York, and San Francisco, we serve clients nationwide.