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.
You can't be punished for it because that "evidence" was not correctly collected.
Also in your specific example and depending on the country, for them to report you on that would be a false accusation which means they're the ones that could get into trouble if you go after them (basically any costs you incurred because of it would be on them).
(IANAL, so take this with a pinch)
It's probably too much trouble for them to actually report it to the police (if they do it automatically, they run the risk I mention and they're not going to spend the money manually reviewing it) - there is risk and cost involved with nothing in it for them.
That said, they could still pass it on to some entities other than the police (such as insurers) and good luck for you to prove it and show the damage it caused you. In the EU you could request them all the data they had on you which would possibly be enough to catch them, but outside it, it really depends.