Car insurance hurt by your connected car's driving data?

Who Connected Analytic Services is and who relies on its reports

Connected Analytic Services, known as CAS, is based in Plano, Texas. The CFPB’s list of consumer reporting companies describes CAS as an affiliate of Toyota that collects and reports driving behavior data from telematics technology and sends it to insurance companies. Toyota has described CAS as an affiliate of Toyota Insurance Management Solutions USA, LLC and as Toyota’s exclusive data aggregator, providing telematics and vehicle build data to insurers so customers can use their driving data to obtain potential insurance savings.

According to the CFPB, CAS reports braking and acceleration patterns, vehicle speed, time of drive and distance traveled. The data can come through mobile devices or other processes. The CFPB also notes CAS has a separate claims data report.

The CFPB says CAS will not have data for your vehicle unless you opted to share your driving data through your vehicle manufacturer’s mobile app or another manufacturer-authorized process. Toyota has said owners opt in through the Toyota app or website under its Insure Connect service, and that data is shared only at the customer’s express request. If an insurer quoted you a higher rate after reviewing your driving data, your CAS report is worth checking.

Errors that show up on CAS reports

• Wrong driver. Trips by a spouse, teenager or other driver of the same car scored as your driving.
• Wrong vehicle. Data from a car you sold, or a car you never owned, tied to you.
• Phantom events. Hard braking or speeding events that did not happen.
• Wrong totals. Distance or time-of-drive figures that do not match how you actually drive.
• No consent. Driving data shared when you did not opt in.
• Shallow dispute handling. A dispute closed without checking how the data was collected.

How to dispute Connected Analytic Services (CAS)

1. Request your report. The CFPB lists two email addresses: [email protected] for your annual driving report, and [email protected] for a claims data report. You can also write to Connected Analytic Services, 7600 Windrose Avenue, Suite G-240, Plano, TX 75024.
2. Prove ownership. The CFPB says CAS provides a report after it verifies that you own the vehicle, so include your registration or title.
3. Dispute each error in writing. The email and mailing addresses above are the consumer contacts the CFPB lists for CAS. Identify each trip or event by date and time, explain why it is wrong, and say who was driving if it was not you.
4. Attach proof. A bill of sale showing when you sold or bought the car, work or travel records, or a statement from the other driver.
5. Check your opt-in settings. If you never agreed to share driving data, say so in your dispute, and review the connected services settings in your vehicle’s app.
6. Keep copies of every email, letter and response.

How to contact Connected Analytic Services (CAS)

• Website: connectedanalyticservices.com, as listed by the CFPB
• Email (annual driving report): [email protected]
• Email (claims data report): [email protected]
• Mail (requests and disputes): Connected Analytic Services, 7600 Windrose Avenue, Suite G-240, Plano, TX 75024
• Phone: the CFPB listing does not give a consumer phone number.

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). CAS must follow reasonable procedures to assure maximum possible accuracy of the driving data it reports.
• Reinvestigation (§ 1681i). After a dispute, CAS 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. The CFPB says CAS also provides an annual report on request.
• 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 a CAS report must tell you, name CAS, and explain your rights.

Can you sue Connected Analytic Services (CAS)?

Yes, when the facts support it. You may have a claim if CAS reported driving data that was inaccurate, such as another driver’s trips scored as yours, without reasonable procedures to prevent it (§ 1681e(b)), or if it did not reasonably reinvestigate your dispute and correct the report (§ 1681i). If your report reached an insurer without a permissible purpose, that may be a claim too (§ 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).

Connected-car data is a newer kind of consumer report, but the same FCRA rules apply: the data must be accurate, and you have the right to see it and dispute it.

Get a free case review

If a CAS report misstated your driving and CAS would not fix it, act promptly. 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 Connected Analytic Services (CAS)

Can I sue Connected Analytic Services?

Yes, if the facts support a claim. The CFPB lists CAS as a consumer reporting company that sends driving behavior data to insurers. Under the FCRA, it must use reasonable procedures to keep its reports accurate and must reasonably reinvestigate your disputes. If it does not, you may have a claim.

What data does CAS report?

According to the CFPB, CAS collects and reports driving behavior data from telematics technology, including braking and acceleration patterns, vehicle speed, time of drive and distance traveled, and sends it to insurance companies.

How did CAS get my driving data?

The CFPB says CAS will not have data for your vehicle unless you opted to share your driving data through your vehicle manufacturer's mobile app or another manufacturer-authorized process. Toyota has said owners opt in through the Toyota app or website under its Insure Connect service.

Can I get my CAS report?

Yes. The CFPB says CAS provides an annual report on request after it verifies that you own the vehicle, if it has data for your vehicle. You can also get a free copy if you ask within 60 days after an insurer's adverse action notice.

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: Connected Analytic Services (driving behavior data from telematics; Toyota affiliate; report request emails; Plano, TX address; annual report after vehicle ownership is verified)
• Toyota Pressroom, Feb. 23, 2022: Telematics data aggregator enhances product offerings (CAS in Plano, Texas; affiliate of Toyota Insurance Management Solutions; Toyota's exclusive data aggregator; opt-in through Insure Connect)
• 15 U.S.C. § 1681a (adverse action includes an increase in any charge for insurance)
• 15 U.S.C. § 1681j (free file disclosure within 60 days after an adverse action notice)
• CFPB: How do I dispute an error on my credit report?

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