Brown’s story begins with his long-standing coverage at USAA Casualty Insurance Company. In early 2025, he received a much higher renewal premium than expected, with no clear explanation. Looking for alternatives, he applied for a quote from Progressive to insure his van for work. The initial quote he received around March 18, 2025, was $1,618. But after Progressive obtained his consumer report from LexisNexis, the quote shot up to $6,613 by March 31, 2025.