My CLUE Report From LexisNexis Shows a Claim That Doesn’t Belong to Me
If your CLUE report (Comprehensive Loss Underwriting Exchange) from LexisNexis shows an insurance claim that isn’t yours, you’re right to take it seriously. CLUE reports are used by insurers (and sometimes landlords) to price policies, decide eligibility, or justify higher premiums. A false claim on your file can lead to higher costs or denial, even when you did nothing wrong. The good news is that you can dispute it and, if LexisNexis fails to fix it, you may have rights under the Fair Credit Reporting Act (FCRA).
Why a claim might appear even though it’s not yours
Most “not my claim” situations stem from identity or data-linking problems. LexisNexis aggregates information from multiple sources, and mistakes can happen when databases connect people by name, address history, or partial identifiers. Common causes include a prior resident at your address, a similar name match, a family member’s claim being attached to the wrong person, incorrect policy numbers, or records being merged across states or carriers.
Is it illegal for LexisNexis to report the wrong claim?
It can be. LexisNexis is treated as a consumer reporting agency for many of the reports it provides, including CLUE. That means they must use reasonable procedures to ensure accuracy and must conduct a proper reinvestigation when you dispute an error. Reporting another person’s claim as yours is a classic “mixed file” issue, especially if it’s tied to the wrong policyholder or property.
What to do to remove a claim that isn’t yours
Start by getting a full copy of your CLUE report and isolating the incorrect entry. Pay attention to the date of loss, type of claim, insurer name, property address, and policy number (if shown). Then gather proof that the claim isn’t yours, such as proof you didn’t live at the property at the time, your declarations page showing your actual policy history, a letter from your insurer confirming no such claim, or documents showing that someone else owned or occupied the property.
Next, file a dispute with LexisNexis. Be specific: identify the exact claim entry, state that it does not belong to you, and request deletion or correction. Attach your proof. If the claim is tied to a specific insurer, you can also dispute directly with the insurer at the same time to speed up correction at the source.
When this can turn into a legal claim
Suppose the false claim caused a denial, higher premium, lost housing opportunity, or other harm, and LexisNexis either refused to fix it or failed to conduct a reasonable reinvestigation. In that case, you may have an FCRA claim. The strongest cases usually involve clear proof that the claim isn’t yours, plus real-world consequences.
How we can help
If your LexisNexis CLUE report shows a claim that isn’t yours, we can help you dispute it properly, get the incorrect entry removed, and pursue compensation if the error caused real financial harm.