A consumer has filed a lawsuit in the US District Court for the Southern District of Ohio against GEICO and LexisNexis, alleging that disputed claims linked to identity theft remained in her insurance records despite her efforts to correct them. The complaint, filed on July 14, 2026, asserts that the companies mishandled data used by insurers to assess risk and set auto premiums.
According to the filing, an unidentified individual used the consumer’s personal information to open a GEICO auto insurance policy in New Jersey in August 2023. The policy generated four claims totaling approximately $95,003. The plaintiff states she had no connection to the policy, did not authorize it, and received no benefit from it.
The consumer alleges that GEICO transmitted information about the policy and associated claims to LexisNexis, which then added the records to her file and the Comprehensive Loss Underwriting Exchange database. She claims she discovered the issue in November 2025 when her auto insurance quotes were significantly higher than expected.
Her records also showed a January 2024 "not at fault accident" sourced to CLUE, which she disputes.
The plaintiff says she challenged the information with both companies, submitting a police report, a Federal Trade Commission Identity Theft Report, and a notarized affidavit. She requested that GEICO remove her information, void the policy, and correct the data sent to LexisNexis.
LexisNexis allegedly informed the consumer in December 2025 that the disputed policy was "unverifiable" but did not remove the records. After a subsequent dispute, the company described some information as "accurate" and other parts as "unverifiable," listing its own consumer center as the source of verification.
An identity-theft flag was placed on her file in January 2026, yet the policy and claims allegedly remained active in February 2026 disclosures.