Can I Dispute My CLUE Insurance Report Online, or Should I Send a Letter by Mail?
When disputing online makes sense
Online disputes are ideal when the issue is straightforward and you can upload clear proof, like a claim that isn’t yours, a duplicate claim entry, or an incorrect date/loss type. The online route is typically quicker, easier to track, and less prone to missing pages.
When a mailed letter is the better move
Mail disputes are often smarter when you need to explain a complicated situation in detail. A claim attributed to the wrong policyholder, a property claim tied to a prior owner, or repeated errors that keep reappearing. A letter also helps if you want to include a timeline, multiple exhibits, or you’ve had an online dispute denied and you’re resubmitting with stronger proof. Mailing (especially with tracking) creates a clean record of what you sent and when.
The best approach for most people
If you want both speed and protection, many consumers start online and keep a saved copy of everything submitted. If the dispute is denied, ignored, or the error returns, follow up with a mailed letter that includes all documents, a clearer explanation, and proof of harm (premium increase/denial notice).
How we can help
If your CLUE report is affecting your insurance rates and you’re not sure which dispute method will actually work for your situation, we can help you package the right evidence, dispute the claim correctly, and escalate if LexisNexis fails to fix a clear error.