Q: Geico added a "undisclosed driver" to my policy despite me not knowing this person and increased my insurance premium.
I filed a complaint with the Insurance Regulatory Agency and received a very nasty letter saying I was responsible for the "services provided" to this person I have never met and does not live in my house. Geico told me to provide proof the person had insurance, which clearly I cant provide because I dont know him. I called and chatted multiple times and was told it was taken care of. I dont believe I am responsible for this person being added or the additional fee. I have cancelled with Geico now but I dont want this to affect my credit. There is not a undisclosed driver because I dont know this person. Geico said it was found on a consumer report. Is there anything I can do legally?
A: I would ask Geico what consumer report that information came from and then contact the company to get a copy of that report. Sometimes insurance companies get this information from Lexis Nexis but could be somewhere else. The CFPB has a list of some consumer reporting agencies: https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/#:~:text=The%20list%20includes%20the%20three%20nationwide%20consumer%20reporting,This%20list%20is%20current%20as%20of%20January%202024.
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