this post was submitted on 11 Mar 2024
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Privacy

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Kenn Dahl says he has always been a careful driver. The owner of a software company near Seattle, he drives a leased Chevrolet Bolt. He’s never been responsible for an accident.

So Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor.

LexisNexis is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.

What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car.

On a Thursday morning in June for example, the car had been driven 7.33 miles in 18 minutes; there had been two rapid accelerations and two incidents of hard braking.

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[–] [email protected] 5 points 8 months ago* (last edited 8 months ago)

I work in fintech and I had glimpses of raw API data that credit agencies, Mastercard and LexisNexis provide (among others). It's crazy detailed. Even just our query increases the query count by one and provides at least ten data points on the why and when.

I'm not surprised that the car manufacturers are selling this data to LexisNexis who in turn sell it to insurance companies.

[–] [email protected] 2 points 8 months ago

Wrap the modem in tinfoil.

[–] [email protected] 6 points 8 months ago

Not at all surprised by this. I sold my car a decade ago, I just hope motorcycles can stay dumb for longer.

[–] [email protected] 6 points 8 months ago* (last edited 8 months ago)

258 pages?! That's half of MS's office format specification!

[–] [email protected] 18 points 8 months ago (3 children)

I will end up living in the woods at this rate.

[–] [email protected] 1 points 8 months ago

I desperately wish I could be satisfied living such a life. I have wanted to disconnect completely for a couple of years already. But I know myself and I know I'd be ill-suited for such a life.

[–] [email protected] 8 points 8 months ago

Stay outta my tree!

[–] [email protected] 6 points 8 months ago

Planet Labs saves an image of the world -- including whatever woods you're referring to -- at 3-meter resolution every day.

[–] [email protected] 74 points 8 months ago* (last edited 8 months ago) (4 children)

We need to start poisoning this data. I don’t think the solution is to cut the wires, I think it’s to send bogus data. Just make it so that no matter how I drive, the data is always overwritten that I traveled 5 miles at 30mph average with no hard stops and no hard accelerations. I only ever make that trip. Wanna base my insurance off that? Go for it.

Anyways I lack the technical ability to do this, but wonder if some enterprising person could hack the obd to constantly overwrite the data here.

Again I want to poison this data. It should be illegal, but it’s not. Companies will charge me more if I block it. So the solution is data poisoning imo.

Incidentally we need to be poisoning ALL data brokers and collectors for these types of things.

[–] [email protected] 5 points 8 months ago (1 children)

i think we should also flood them with so much data it cant keep upnandevendecipher what is really anymore. Same for computer habits. Flood it with random data.

[–] [email protected] 2 points 8 months ago

Use AdNauseam

[–] [email protected] 40 points 8 months ago (1 children)

Incidentally we need to be poisoning ALL data brokers and collectors for these types of things.

Go here for a good start: https://adnauseam.io/

[–] [email protected] 8 points 8 months ago

Thank you for sharing!!

[–] [email protected] 2 points 8 months ago

I'll take the route of I'm not going to own a car that will tell on me, or I will make that car not report.

[–] [email protected] 16 points 8 months ago (1 children)

It might be nice if auto reviewers included a "privacy rating" for a vehicle based OK whether it broadcasts anything via radio (e.g. cell or tire-pressure systems can be used to identify someone). It's not just auto manufacturers, but anyone who wants to set up a radio monitoring network, if there are unique IDs being broadcast.

I don't know how a reviewer could know whether there's a way for a manufacturer to gather logs during maintenance.

[–] [email protected] 8 points 8 months ago

They'll never give a review like that because they need manufacturers to send them more cars to review.

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