Auto, homeowners, renters, and other personal-property insurance eligibility, underwriting, renewal, and pricing.
An insurer naming C.L.U.E. generally used claims-history information when setting a premium, declining coverage, changing terms, or taking another unfavorable insurance action. C.L.U.E. is a LexisNexis product; it is not a CoreLogic tenant report.
What may be in the report.
The actual fields depend on the product ordered and whether the company has information about you.
- Auto and property insurance claims and losses
- Claim dates, types, amounts, and associated people or property
- Related inquiries and, for separate products, telematics data
Request, freeze, or dispute the right file.
Use these direct paths instead of a paid credit-repair service or a phone number from an unsolicited message. A freeze at one company does not automatically freeze another report.
Request your report
Use the FACT Act insurance-history disclosure route for C.L.U.E. Auto or Property. LexisNexis mails instructions for online access after verifying and processing the request. Use the address below for report requests only; confirm the dispute destination using your disclosure or the dispute contact below.
866-312-8076LexisNexis Risk Solutions Consumer Center, P.O. Box 105295, Atlanta, GA 30348-5295
Official request pathFreeze information
The CFPB list marks C.L.U.E. as freezeable, while LexisNexis describes scope and permissible-purpose exceptions through its portal. Confirm the report covered by the request.
800-456-1244 Check current freeze pathDispute an error
Identify the insurer, claim reference, and disputed field. Call the Consumer Center to start or discuss a dispute and confirm how to send evidence. The Help page accepts follow-up documents with a case number; use the dispute mailing instructions on your disclosure if sending by mail.
888-497-0011 Official dispute pathFirst three steps.
Do not dispute accurate information just because it led to an unfavorable decision.
- 01 Request the C.L.U.E. report identified by the insurer.
- 02 Match every claim to insurer records, dates, people, vehicle, and property.
- 03 Dispute a wrong or incomplete claim with LexisNexis and the insurer that reported it.
Build your LexisNexis C.L.U.E. dispute.
Start with the C.L.U.E. Auto or Property disclosure used by the insurer. Match a specific claim to the insurer’s records, then identify the field that needs correction. A $0 payment or a claim at a home before you bought it is not, by itself, proof of an error.
Keep the insurer’s quote, renewal, cancellation, or appeal dates in view. Ask how to submit corrected information for review while the dispute is pending; a report dispute does not extend those dates or guarantee a lower premium.
1. Read an annotated fictional report
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- Person and property
- Alex Example · 123 Example Lane
What to check: Compare the named person and insured property with your policy. A property can have accurate loss history from a previous owner; distinguish that history from a claim wrongly attributed to you.
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- Insurer and claim reference
- Example Mutual · claim DEMO-1042
What to check: Use the insurer and claim reference to locate the source record and identify the exact item in your dispute. Two entries about one event may represent different coverages or payments.
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- Date of loss
- Report: March 14, 2025 · insurer letter: March 14, 2024
What to check: This fictional mismatch supports a date correction. Compare the loss date with the insurer’s claim record, rather than the date a repair was completed or the claim was paid.
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- Loss type and amount paid
- Water damage · $0 paid
What to check: Check the cause of loss and insurer payment separately. A denied or unpaid claim may still be reported. A coverage question that never became a claim needs a different explanation.
2. Match the error to evidence
Use the row that fits your facts. Gather the records you have; supporting evidence can help, but you do not need every document listed to raise a dispute.
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Wrong person, address, or vehicle
- Evidence to gather
- Policy declarations, address or ownership dates, and vehicle identification records where relevant; ask the insurer to confirm which person and property the claim concerns.
- Correction to request
- Identify the mismatched person, address, or vehicle and request the correct association. Explain a prior-owner attribution error without demanding removal of accurate property history.
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Wrong loss date, cause, amount, or claim status
- Evidence to gather
- Insurer claim-history printout, adjuster correspondence, payment breakdown, or final claim letter showing the correct field.
- Correction to request
- State the reported value and the supported replacement for each field. Distinguish the insurer’s payment from your deductible and total repair cost.
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The same claim appears twice
- Evidence to gather
- Both report entries and an insurer explanation of the claim numbers, coverages, and payments.
- Correction to request
- Ask the insurer to establish whether these are separate claim components or a duplicate; identify the duplicate entry to correct if the evidence confirms one.
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A coverage question appears as a loss claim
- Evidence to gather
- Dated call notes or correspondence and, if available, the insurer’s written confirmation that no loss claim was opened.
- Correction to request
- Explain that you only asked about coverage or a deductible. Request investigation of why a claim was furnished; a $0 amount alone does not establish this error.
- C.L.U.E. Property report fields — LexisNexis Risk Solutions
- C.L.U.E. claims, coverage questions, and corrections — Washington Office of the Insurance Commissioner
- LexisNexis reinvestigation procedure (PDF) — LexisNexis Risk Solutions
3. Prepare and send a specific dispute
- Request the insurance-history disclosure through the FACT Act route above. Save its reference number and mark each disputed claim. If a code is unclear, ask LexisNexis or the insurer what that field means before proposing a replacement.
- Call the LexisNexis Consumer Center at the dispute number above to identify the claim and confirm how to send your evidence. Use the case number on follow-up documents; the official Help page requires one for document submissions. Keep a written account of any phone dispute.
- Send the same factual correction request to the insurer that supplied the claim using its verified contact route. Ask for its claim record and written confirmation of any correction sent to LexisNexis.
Keep the marked report page, your explanation, document copies, and proof of submission. Save portal confirmations or phone dates and reference numbers. If mailing, consider certified mail with a return receipt. Keep original documents and follow the company’s current identification requirements.
Sample dispute wording
Copy this into your own document or download the text. Replace every bracketed prompt and remove instructions or claims that do not apply. This is an explanation to adapt, not a completed official form. Downloading it does not send anything.
[Date] [Your full name] [Your mailing address] [Your preferred contact information]
To: LexisNexis Risk Solutions Consumer Center [Dispute mailing address from your disclosure or confirmed by the Consumer Center at 888-497-0011] Subject: C.L.U.E. [Auto or Property] dispute — [report/case reference]
My disclosure dated [date], page [page], lists [insurer], claim [claim number], for [property or vehicle]. The [field name] is reported as [reported value]. I believe this is incorrect because [specific factual reason]. The correct value is [supported value].
I have marked the entry and enclosed [insurer letter or claim record, with date], which shows [what the evidence establishes]. [Describe any correction already confirmed by the insurer, only if applicable.]
Please investigate the identified item, review the enclosed evidence, and correct or delete inaccurate, incomplete, or unverifiable information as appropriate. Please send me the written results and the report reflecting the investigation.
Enclosures: [List the marked report page and each supporting document; send copies.] [Your name]
For an error also in a nationwide credit file, use the CFPB’s bureau-by-bureau dispute contacts. If identity theft caused the entry, IdentityTheft.gov explains your recovery and blocking rights.
4. Handle the response
Track receipt, investigation, and results separately
Generally, an investigation is due within 30 days of receipt. Some cases allow up to 45 days, including an extension for relevant additional information. Written results generally follow within five business days after the investigation ends. Some states have shorter deadlines.
- Corrected or deleted
- Compare the revised claim with the insurer’s letter: check the loss date, amount, status, and person or property association, not just whether the claim still appears. Give the correction to the insurer making the coverage decision and ask it to review the quote or other action. Confirm that the reporting insurer also corrected its source record.
- Verified or unchanged
- LexisNexis’s result should identify the data source and whether the claim was verified, changed, or removed. Ask the insurer for the record behind the disputed field and compare it with the evidence you sent. If the record is accurate, ask about adding a brief explanation; an explanation is not a deletion.
- You can request a description of the investigation procedure, including the furnisher’s contact details; the FCRA generally requires that description within 15 days of the request. Identify evidence that was missed or obtain new records before following up. A consumer statement explains an unresolved dispute; it does not correct the underlying item.
- More information requested or dispute rejected
- Read what is missing and respond through the verified company route with the case reference. If the company determines a dispute is frivolous or irrelevant, its notice must explain why and identify information needed to investigate. Add the missing specifics instead of resending an identical general letter.
- No result or an unresolved error
- Check delivery, the case status, and any explanation for an extension. Ask for the written outcome if it is overdue. A missed deadline does not by itself mean the entry has disappeared.
- For a CFPB complaint about inaccurate or incomplete consumer-report information, first dispute directly with the reporting company. The CFPB currently asks you to wait until the dispute is no longer pending or more than 45 days have passed. Include your report, original dispute, evidence, proof of receipt, response if any, and the correction still needed. Review the CFPB complaint requirements and proceed.
- CFPB credit-report dispute guide — Consumer Financial Protection Bureau
- CFPB credit dispute timing — Consumer Financial Protection Bureau
- FCRA § 611 reinvestigation procedure — GovInfo
- CFPB requirements before a consumer-reporting complaint — Consumer Financial Protection Bureau
Separate the reporting-company disclosure from the decision-maker’s action.
The company that supplied a report usually did not make the final decision. Use the notice decoder to choose the credit, banking, housing, employment, insurance, or utility context, then identify the report and next record to compare.
