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LexisNexis, Geico Inaccurate Info on Consumer Reports Class Action

This class action brings suit against LexisNexis Risk Solutions, Inc., a consumer reporting agency, and Geico Advantage Insurance Company, that provides insurance to LexisNexis. The complaint alleges that the companies have violated the Fair Credit Reporting Act (FCRA) that tries to ensure that consumer credit reports contain “maximum possible accuracy of information” about the subject and that disputes about information are properly investigated and resolved.

Geico reports information about its customers to LexisNexis; LexisNexis compiles information into consumer reports.

In this case, the complaint alleges that Geico provided inaccurate information to LexisNexis about the two plaintiffs, Kyle G. Farrand and Robert D. Woodward. According to the complaint, Geico provided inaccurate information claiming that each of the two “had filed a claim against their Geico auto insurance policy, when they had not.”

Among the products offered by LexisNexis is a CLUE Auto Report that includes information about auto insurance claims filed by consumers. LexisNexis reported Geico’s inaccurate information to other insurers via its CLUE report, the complaint claims. This “caus[ed] [Farrand and Woodward] to be quoted higher rates than they otherwise would have been” by the other insurers.

Why did this happen? The complaint contends that “Geico has an established policy and procedure of reporting all inquiries regarding potential claims to LexisNexis as if they were actual claims, regardless of whether or not that is accurate.” The complaint alleges that this is meant “to systematically trap Geico customers in their existing relationship with Geico, because if consumers seek insurance from another company, they will be quoted a higher rate due to the inaccurate ‘claim’ information that Geico has reported about them to LexisNexis.”

Each of the two men had made a call to Geico but had not filed a claim. However, the complaint says, “When [Farrand and Woodward] disputed this inaccurate information, the information was not corrected.”

Three classes have been defined for this action:

  • The Inaccurate Reporting Class is all natural perons who (1) were the subject of a LexisNexis CLUE report sold to a third party (2) between April 16, 2019 and April 16, 2021 (3) in which the CLUE falsely reported that the subject had made an auto insurance claim to Geico.
  • The Disputes Class is all members of the Inaccurate Reporting Class who sent a dispute to LexisNexis saying that the Geico claim on their report was inaccurate because they had not made a claim.
  • The Unreasonable Investigation Class is all members of the Disputes Class to whose dispute Geico responded by affirming that its false reporting was accurate.
Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

LexisNexis, Geico Inaccurate Info on Consumer Reports Complaint

April 16, 2021

This class action brings suit against LexisNexis Risk Solutions, Inc., a consumer reporting agency, and Geico Advantage Insurance Company, that provides insurance to LexisNexis. The complaint alleges that the companies have violated the Fair Credit Reporting Act (FCRA) that tries to ensure that consumer credit reports contain “maximum possible accuracy of information” about the subject and that disputes about information are properly investigated and resolved.

LexisNexis, Geico Inaccurate Info on Consumer Reports Complaint

Case Event History

LexisNexis, Geico Inaccurate Info on Consumer Reports Complaint

April 16, 2021

This class action brings suit against LexisNexis Risk Solutions, Inc., a consumer reporting agency, and Geico Advantage Insurance Company, that provides insurance to LexisNexis. The complaint alleges that the companies have violated the Fair Credit Reporting Act (FCRA) that tries to ensure that consumer credit reports contain “maximum possible accuracy of information” about the subject and that disputes about information are properly investigated and resolved.

LexisNexis, Geico Inaccurate Info on Consumer Reports Complaint
Tags: Credit Reports, Erroneous Information on Report, FCRA, Failure to Correct Inaccurate or Incorrect Info on Consumer Reports, Failure to properly investigate/correct errors on credit report