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This disclosure is provided by Lenox Insurance Group, LLC ("we", "us", "our"), to inform you that as part of your application or quote for insurance, we may procure a consumer report about you. This report is used for the purpose of evaluating your eligibility for insurance coverage and rates, or for other legitimate business purposes in accordance with federal and state laws.
A consumer report is a document that may contain information about your personal characteristics, mode of living, credit history, driving records, and public record information. This information may be obtained from public records and personal interviews with your neighbors, friends, or associates.
We may contact an independent reporting agency to obtain a consumer report about you. By proceeding with your application or claim, you authorize us to obtain such reports.
By signing your insurance application or insurance quote, you authorize us to obtain one or more consumer reports about you, both now and for as long as you have an ongoing relationship with us.
Under the FCRA, you have specific rights regarding consumer reports, including the right to be informed if information in your consumer report has been used against you, the right to know what is in your file, the right to request a credit score (if applicable), and the right to dispute incomplete or inaccurate information. If any adverse action is taken based on information contained in your consumer report, you will be provided with additional notices as required by law.
For further information, or to exercise your rights under the FCRA, you may contact: