Car insurance hurt by an Arity driving report?

Who Arity is and who relies on its reports

Arity describes itself as a mobility data and analytics company. The CFPB’s list of consumer reporting companies says Arity is owned by the Allstate Corporation, and that it collects and reports driving behavior data and driving scores using telematics from mobile phones and in-vehicle systems.

The data can be detailed. According to the CFPB, Arity reports trip counts, miles traveled, trip dates and times, acceleration and speeding events, weekday and weekend driving, night driving miles, phone usage and braking events. Arity says its Arity Services business is a consumer reporting agency under the FCRA, that it gets this information from companies you interact with, and that those companies share it when you agree to use it in an insurance quote. Arity says insurers may consider the data, which could raise or lower your premium.

The CFPB says you generally have an Arity file only if you opted to share driving data in a phone app that works with Arity and opted in to sharing it as part of an insurance quote. If you are not sure whether you agreed, check the permissions in the apps on your phone. If a quote came back higher than expected, or an insurer pointed to your driving data, your Arity report may be the reason.

Errors that show up on Arity driving reports

• Passenger trips. Rides in someone else’s car, a bus, a train or a rideshare, counted as your driving.
• Wrong driver. A family member’s trips recorded on your phone or account.
• Phantom events. Hard braking, rapid acceleration or speeding that did not happen, or that a phone sensor misread.
• Phone use while not driving. Phone activity logged against you when you were a passenger.
• Wrong totals. Mileage or night driving figures that do not match your real driving.
• Shallow dispute handling. A dispute closed without checking with the source of the data.

How to dispute Arity

1. Request your report. Go to the Arity Services consumer portal and choose “Request Consumer Report.” Arity says you can get one free copy every 12 months. You can also call 800-654-1412, the number the CFPB lists.
2. Review every trip and event. Mark trips where you were a passenger or not present, and events that did not happen.
3. File the dispute. Use the same portal and choose “Dispute Consumer Report.” Identify each disputed trip or event by date and time and explain why it is wrong.
4. Attach proof. Rideshare or transit receipts, calendar entries, work records, or a statement from the person who was actually driving.
5. Watch for the results. Arity says it will investigate and give you written results within 30 days, and will send an updated copy if the report changes.
6. Keep copies of the report, your dispute, and every response. Questions about the process can go to [email protected].

How to contact Arity

• Online requests and disputes: arityservices.consumerprivacyinfo.com
• Consumer data support page: arity.com/arity-services-data-support
• Consumer phone: 800-654-1412, as listed by the CFPB
• Email (process questions): [email protected]
• Mail: Arity, P.O. Box 227238, Dallas, TX 75222-7238

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). Arity must follow reasonable procedures to assure maximum possible accuracy of the driving data it reports.
• Reinvestigation (§ 1681i). After a dispute, Arity must reasonably reinvestigate, free of charge, generally within 30 days, and correct or delete inaccurate, incomplete or unverifiable information.
• File disclosure (§ 1681g). You may see the information in your file, its sources, and who received it.
• Free copies (§ 1681j). You are entitled to a free copy if you ask within 60 days after an adverse action notice, and Arity says it provides one free report every 12 months.
• Permissible purpose (§ 1681b). Your report may be shared only for a purpose the FCRA allows.
• Adverse action notice (§ 1681m). The FCRA treats an increase in any charge for insurance, or a denial, as an adverse action. An insurer that takes one based on an Arity report must tell you, name Arity, and explain your rights.

Can you sue Arity?

Yes, when the facts support it. You may have a claim if Arity reported driving data that was inaccurate, such as passenger trips scored as your driving, without reasonable procedures to prevent it (§ 1681e(b)), or if it did not reasonably reinvestigate your dispute and correct the report (§ 1681i). You may also have a claim if your report was furnished without a permissible purpose (§ 1681b).

For a negligent violation, you may recover actual damages, such as higher premiums and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n). A lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Get a free case review

If Arity reported driving data that is not accurate and would not fix it, act before time runs out. FCRA Attorneys represents consumers in federal court on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice and the other companies we cover.

Questions about suing Arity

Can I sue Arity?

Yes, if the facts support a claim. Arity says its Arity Services business is a consumer reporting agency under the FCRA. It must use reasonable procedures to keep its driving reports accurate and must reasonably reinvestigate your disputes. If it does not, you may have a claim.

What does Arity report about my driving?

According to the CFPB, Arity reports driving behavior data and driving scores, including trip counts, miles traveled, trip dates and times, acceleration and speeding events, weekday and weekend driving, night driving miles, phone usage and braking events.

Why would Arity have my driving data?

The CFPB says you generally have an Arity file only if you opted to share driving data in a phone app that partners with Arity and opted in to sharing it as part of an insurance quote. Arity says companies you interact with share the data when you agree to its use in a quote.

Is my Arity report free?

Yes. Arity says you can get one free copy of your driving report every 12 months, and the CFPB says it provides a free report and driving score, if available, every 12 months on request.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Related reading

• How to Dispute Credit Report Errors With Equifax, Experian and TransUnion
• What Is the FCRA? The Fair Credit Reporting Act in Plain English

Sources

• CFPB consumer reporting companies list: Arity (driving behavior data and scores; owned by Allstate Corporation; website, request form, phone 800-654-1412, Dallas, TX address; free report every 12 months)
• Arity: Arity Services data support (consumer reporting agency under the FCRA; request and dispute through the online portal; results within 30 days)
• Arity: Contact (mobility data and analytics company; mailing address)
• 15 U.S.C. § 1681a (adverse action includes an increase in any charge for insurance)

Updated November 2026. This page is general information, not legal advice.