LexisNexis Dispute Guide and Legal Solutions for Consumers
When you apply for auto, home, or renters insurance, insurers don’t just rely on your application — they also review a powerful database called the LexisNexis Comprehensive Loss Underwriting Exchange (CLUE). Managed by LexisNexis Risk Solutions, this system compiles insurance claim data from thousands of insurance companies across the United States to help insurers assess risk, determine policy eligibility, and set your premium rates.
What Information Can Appear on a LexisNexis C.L.U.E. Report
A LexisNexis CLUE report is essentially your insurance claims history file. It provides insurers with a detailed record of your past property or auto claims — typically covering the previous seven years. Each report can include:
Personal identifying information (name, address, date of birth)
Policy details (insurance company name, policy number, and type of coverage)
Claim information (dates of loss, type of loss, and claim amounts paid)
Property or vehicle details (VIN number, property address, or insured location)
Inquiries and closed claims, even those that didn’t result in a payout
This information is reported directly by your insurance company every time a claim or inquiry is made. For example, if you call to ask whether a cracked windshield or roof leak would be covered, that inquiry alone might appear on your CLUE report, even if you never file a formal claim. Over time, these reports build a comprehensive record that other insurers review when you apply for new coverage or renew an existing policy.
Shared Policy Claims: How They Affect Your LexisNexis Report
It’s important to understand that a LexisNexis C.L.U.E. report may also include claims filed by other policyholders — even if you were not personally responsible for the incident. For example, if you share an auto insurance policy with a family member or live in a household where multiple drivers are insured under the same plan, a claim made by someone else on that policy can still appear on your report.
This means that an accident you didn’t cause, or a claim filed when you weren’t even driving the vehicle, might still be recorded in your insurance history.
Unfortunately, these shared-policy claims can unfairly impact your risk profile, potentially leading to higher premiums or coverage issues. Reviewing your CLUE report regularly helps ensure that claims attributed to you are accurate and truly reflect your own driving and insurance history.
How to Request Your LexisNexis C.L.U.E. Report
Under the Fair Credit Reporting Act (FCRA), you are entitled to one free copy of your LexisNexis C.L.U.E. report every 12 months. Requesting your report is the first step in identifying and correcting any inaccurate or outdated information that could be affecting your insurance rates. You can obtain your report directly from LexisNexis Risk Solutions by visiting their official website or calling their consumer center at 888-497-0011.
Order Your Report Online - LexisNexis Risk Solutions Consumer Disclosure
You’ll need to provide identifying information such as your full name, current and previous addresses, date of birth, and Social Security number to verify your identity.
Once your request is processed, LexisNexis will mail or provide a secure digital copy of your C.L.U.E. Auto and/or C.L.U.E. Property report.
Reviewing your report carefully helps ensure that all listed claims actually belong to you and reflect accurate details. If you notice any errors, you have the legal right to dispute them and request a correction under the FCRA.
Visit the LexisNexis Consumer Portal
Go to the official LexisNexis consumer website at consumer.risk.lexisnexis.com. Navigate to the section for “Request Your Consumer Disclosure Report.”
Select the Type of Report You Need
Choose whether you want your C.L.U.E. Auto Report (for vehicle insurance) or C.L.U.E. Property Report (for homeowners, renters, or property insurance). You can request both if needed.Verify Your Identity
Provide personal details including your full name, date of birth, current and previous addresses, and the last four digits of your Social Security number. This verification helps ensure your sensitive information is protected.Submit Your Request
You can submit your request online, by mail, or by calling the LexisNexis Consumer Center at 1-866-312-8076. If you choose to mail your request, include copies of documents that confirm your identity and address (such as a driver’s license or utility bill).
How to Dispute Errors in Your LexisNexis C.L.U.E. Report
If you find incorrect or outdated information in your LexisNexis C.L.U.E. report, you have the right under the Fair Credit Reporting Act (FCRA) to dispute those errors and request corrections. To start, gather documentation that supports your claim — such as insurance letters, claim numbers, or proof showing that a listed incident doesn’t belong to you.
Then, submit a written dispute to LexisNexis either through their online dispute form, by mail, or by calling their Consumer Center at 1-888-497-0011.
Clearly identify each inaccurate entry, explain why it’s incorrect, and include copies of any supporting evidence (never send originals).
Once your dispute is received, LexisNexis must investigate within 30 days and contact the insurance company that provided the disputed information. If the investigation confirms the error, LexisNexis must correct or delete the inaccurate data and send you an updated report.
You can also request that corrected versions be sent to any insurers who recently accessed your file.
What Happens After You File a LexisNexis C.L.U.E. Report Dispute
After you submit your dispute, LexisNexis will begin an investigation, typically lasting up to 30 days, as required by the FCRA. During this time, the company contacts the insurance provider that supplied the disputed information and asks them to verify its accuracy. Once the investigation is complete, LexisNexis will send you a written summary of the results along with an updated copy of your report if any changes were made.
If your dispute is validated, the inaccurate or outdated claim will be corrected or deleted from your file. However, if the insurer continues to verify the information as accurate, even when you believe it’s wrong, the dispute may remain unresolved. In that case, you have the right to request that a statement of dispute be added to your report, explaining your side of the issue for future insurance reviews.
When LexisNexis or an insurer fails to correct clear errors, it may be considered an FCRA violation. At that point, consulting an experienced FCRA lawyer can help you understand your legal options, including potential compensation for any financial harm, higher premiums, or denials of coverage caused by the false information.
Common LexisNexis C.L.U.E. Report Errors
Even small mistakes in a LexisNexis C.L.U.E. report can lead to higher insurance rates or policy denials. Some of the most frequent errors include:
Claims that don’t belong to you (excluding the ones that belong to other policyholders)
Incorrect claim details, such as wrong dates, loss types, or amounts paid
Outdated or closed claims that should have been removed after seven years
Duplicate entries for the same incident
Claims filed for inquiries only (no payout or damage)
Property or vehicle mix-ups, especially for people with similar names or addresses
Incorrect personal information, like misspelled names or outdated addresses
Regularly reviewing your LexisNexis CLUE report helps you spot and dispute these errors before they affect your insurance coverage or premiums.
How an FCRA Lawyer Can Help You
If LexisNexis or an insurance company fails to correct false information on your C.L.U.E. report, you may be entitled to financial recovery under the Fair Credit Reporting Act (FCRA). An experienced FCRA lawyer can help you take legal action against negligent reporting agencies and insurers that violate your rights.
Depending on your case, you may be eligible to recover actual damages (such as higher premiums, lost opportunities, or emotional distress) and statutory damages of up to $1,000 per violation — plus attorney’s fees and court costs. In some cases, punitive damages may also be awarded if the violation was willful.
Having a knowledgeable FCRA attorney on your side ensures that your dispute is handled properly and that those responsible for reporting inaccurate information are held accountable.
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