How to Dispute a LexisNexis Auto Insurance Report (CLUE Auto)
If your car insurance quote jumped, your policy was denied, or an insurer says you have a prior claim you don’t recognize, your LexisNexis auto insurance report, often called “CLUE Auto Insurance Report“ may be part of the decision. CLUE Report is a loss-history database that insurers use when pricing and underwriting. When a claim is listed incorrectly, attached to the wrong person, or shown without proper context, it can follow you from carrier to carrier until you dispute it.
Step one: Get a copy of your LexisNexis CLUE Auto report
Before disputing anything, obtain your CLUE Auto report so you can see the exact entry the insurer may be relying on. Focus on the details in the claim line: insurer name, date of loss, type of loss, and any reference to the vehicle or policy. Those details tell you what evidence you’ll need and whether the issue is identity, policy attribution, or outdated reporting.
Step two: Gather proof that the entry is wrong or misleading
Your LexisNexis dispute is strongest when your documents directly contradict the CLUE entry. Useful proof can include declarations pages showing who the named insured was at the time, a letter from the insurer confirming “no claim,” claim paperwork showing the loss was closed, documentation showing you weren’t on the policy, or evidence that the vehicle involved wasn’t yours. If the claim belongs to someone else on a household policy, your goal is to correct the record so it doesn’t present the loss as your claim.
Step three: Dispute the specific claim with LexisNexis
Submit a dispute that identifies the exact claim entry and clearly states what you want corrected—deleted, updated, or reattributed. Keep it focused on one claim at a time so the reinvestigation is clean. After you submit, LexisNexis should reinvestigate and provide the outcome.
Step four (important): Dispute with the insurance company that reported it
LexisNexis largely reflects what insurers feed into the system. If the insurer’s file is wrong, the CLUE item can come back even after you fix it. Disputing directly with the reporting insurer helps correct the source data and makes the fix stick.
What to do if LexisNexis “verifies” the claim anyway
If the claim is verified but your evidence is strong, you can submit additional documentation and push for a corrected reinvestigation. If an inaccurate CLUE Auto entry caused a denial, major premium increase, or other measurable financial harm and wasn’t corrected despite clear proof, you may have rights under the Fair Credit Reporting Act (FCRA).
How we can help
If your LexisNexis CLUE Auto report is listing a claim incorrectly or tying someone else’s loss history to you, we can help you challenge the entry and pursue compensation if inaccurate reporting caused real financial harm.