A few months ago, I applied for a new auto insurance policy and was shocked when I got denied. Turns out some third-party data provider flagged me for an "undisclosed accident"—which never happened. I had to dig through old records just to prove my innocence. It’s insane how easily this stuff gets reported and how hard it is to correct. I eventually came across this page that helped me understand my rights: https://consumerattorneys.com/practice-area/insurance-background-check-errors. If you're in the same boat, definitely check it out.