This is why we need more technology
It is the day after Thanksgiving, I have nothing better to do. I received an adverse action letter on a car insurance quote this week. I am not sure what this is, I have lived abroad for several years and this was new to me. I have not heard of Lexis Nexus either, except for the data base journalists use.
To get a copy of my report for free from them, there is no web based way to do this. There should be. We are sitting on 50 years of computer technology and a mature technology known as the internet. We are developing AI, and replacing humans with robots. The least that you could do is provide a portal to conduct business online.
Calling the 1 800 number, which is fully automated, I burned away 10 minutes of my life that I will never get back. Prompt after prompt after prompt I entered information. The line went quiet several times, and suddenly the recording would resume at the end of a longer statement so I had no idea what was going on at any point. Sometimes I was able to start again (at that point) other times it simply went to the next step,
The automated system does not understand entries. Many I entered multiple times (on a keypad), and was finally pushed through to some end point where it simply hung up on me at 10 minutes and 28 seconds.
Do I get a credit report or not? I guess I will burn more of my valuable time on Monday and try again.
Update 2 February 2026. After 5 letters stating they cannot confirm my identity, after sending a copy of my passport, my drivers license (twice) confirming everything by telephone 3 times, I am still not confirmed. I am given lipservice that "we took care of it" but that remains to be seen. We are in week 13 or 14 of this.
TO follow up on my initial post, I received the report finally (therefore they seem to have confirmed me at some point before) and it is 48 pages of stuff with over 100 error (I counted). There is no way to submit this, so I had to do it orally by telephone (around January 16th) I was "manually verified" then subsequently received another letter that I was not verified.
24 November 2025
Unprompted review