how to officially unlock icloud lock not have id and password

Can't be done that way. Unless the pawnbroker received the device with the Activation Lock already turned on, it cannot be turned on after the fact. So, what you are describing are thieves who take the Activation Locked Device to a pawnbroker then go to their insurance to see if they can get a replacement phone claiming it was stolen. All sounds very shady to me.

Bottom line, if the phones you receive are Activation Locked when you receive them, they are useless for you. Follow the instructions to ensure that the device is not Activation Locked by doing the following any time you receive one of these devices as is highlighted below and contained in this support article (Find My iPhone Activation Lock - Apple Support):

How do I check for Activation Lock before I buy a used device?

When you buy an iPhone, iPad, iPod touch, or Apple Watch from someone other than Apple or an authorized Apple reseller, it is up to you to ensure that the device is erased and no longer linked to the previous owner’s account. Follow these steps before you buy the device:

1. Turn the device on and slide to unlock.
2. If the passcode lock screen or the Home screen appears, the device hasn't been erased. Ask the seller to completely erase the device by going to Settings > General > Reset > Erase All Content and Settings. Don't take ownership of any used iPhone, iPad, or iPod touch until it's been erased.
3. Begin the device setup process.
4. After choosing a language, choosing a country or region, and connecting to a network, the device will begin activation. If you're asked for the previous owner’s Apple ID and password, the device is still linked to their account. Hand the device back to the seller and ask them to enter their password. If the previous owner isn't present, they can remove the device from their account by signing in to icloud.com/find. Don't take ownership of any used iPhone, iPad, or iPod touch until it has been removed from the previous owner’s account.

You will know that a device is ready for you to use when you're asked to "Set up your iPhone," “Set up your iPad," or “Set up your iPod” the first time you turn it on.

You have to do that each and every time. That is the only way to ensure that the device is not Activation Locked. There are no databases or other services that can make that guarantee.

Best of luck,

GB