Insurance or a job hurt by a wrong Drivers History report?

Who Drivers History is and who relies on its reports

Drivers History is a subsidiary of TransUnion, according to the CFPB’s list of consumer reporting companies. TransUnion announced in December 2014 that it had acquired a majority interest in the company, which was then headquartered in Cherry Hill, New Jersey. TransUnion described Drivers History as a company that acquires, processes and distributes traffic and criminal court data for insurance risk management, and said it had been collecting open public records since 2002.

According to the CFPB, Drivers History provides reports that help insurance clients underwrite policies and investigate claims. The reports compile information about driving violations issued to specific individuals from open public sources and government agencies. Employers and prospective employers may also use them to decide whether a person qualifies for a job or should keep one.

So a ticket on a Drivers History report can raise your car insurance premium, lead to a non-renewal, or cost you a driving job. Because the data is pulled from court records, problems in matching records to the right person, or in keeping up with what happened after the ticket, can end up on your report. A Drivers History report is separate from your TransUnion credit report.

Errors that show up on Drivers History reports

• Wrong-driver tickets. Violations issued to someone with a similar name or date of birth.
• Dismissed tickets. A ticket that was dismissed, or that you beat in court, reported as a conviction.
• Reduced charges. A ticket reduced to a non-moving violation or completed through defensive driving still shown as the original charge.
• Duplicates. One ticket reported twice, making your record look worse.
• Stale records. Old violations still reported to insurers or employers.
• Shallow dispute handling. A dispute closed without checking the actual court record.

How to dispute Drivers History

1. Read the adverse action notice. An insurer or employer that acted on a Drivers History report must tell you and name the company.
2. Request your report within 60 days. Contact Drivers History through drivershistory.com, by phone at 855-694-1555, or by mail to Drivers History, Consumer Relations, P.O. Box 600, Woodlyn, PA 19094. The CFPB says the report is free if an adverse action was based on it and you ask within 60 days of the notice. The CFPB also points to the company’s FCRA disclosure statement at drivershistory.com/support/fcra-disclosure-statement.
3. Dispute each error in writing. Send it to Consumer Relations at the address above, the consumer contact the CFPB lists. Identify each violation by date, court and citation number, and explain why it is wrong.
4. Attach court records. A dismissal order, a disposition showing the reduced charge, proof of completed defensive driving, or proof of identity showing the ticket is not yours.
5. Fix the source too. If the court’s own record is wrong, ask the court clerk to correct it. The CFPB advises disputing with both the reporting company and the source.
6. Keep copies of everything you send and receive, and send mail with tracking.

How to contact Drivers History

• Website: drivershistory.com
• Consumer phone: 855-694-1555
• Mail (file requests and disputes): Drivers History, Consumer Relations, P.O. Box 600, Woodlyn, PA 19094

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). Drivers History must follow reasonable procedures to assure maximum possible accuracy of the violations it reports, including matching records to the right person.
• Reinvestigation (§ 1681i). After a dispute, it 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 copy after adverse action (§ 1681j). You are entitled to a free copy if you ask within 60 days after an adverse action notice.
• Adverse action notice (§ 1681m). The FCRA treats a denial, a cancellation or an increase in any charge for insurance as an adverse action, and an insurer that takes one based on a Drivers History report must tell you.
• Employment rules (§ 1681b(b)). An employer must get your written permission before ordering a report and must give you a copy and a summary of your rights before rejecting you based on it.

Can you sue Drivers History?

Yes, when the facts support it. You may have a claim if Drivers History reported a violation that was not yours, or reported a dismissed or reduced ticket as a conviction, without reasonable procedures to get it right (§ 1681e(b)), or if you disputed and it did not reasonably reinvestigate and fix the error (§ 1681i). If an employer skipped the required steps before turning you down, you may also have a claim against the employer.

For a negligent violation, you may recover actual damages, such as higher premiums, a lost job 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 Drivers History reported tickets that are not yours, or ignored a dismissal, and 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 Drivers History

Can I sue Drivers History?

Yes, if the facts support a claim. The CFPB lists Drivers History as a consumer reporting company that provides reports to insurers and employers. 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 is on a Drivers History report?

According to the CFPB, Drivers History compiles information about driving violations issued to specific individuals from open public sources and government agencies. TransUnion has described it as acquiring and distributing traffic and criminal court data for insurance risk management.

Is Drivers History part of TransUnion?

Yes. The CFPB lists Drivers History as a subsidiary of TransUnion. TransUnion announced in December 2014 that it had acquired a majority interest in the company. A Drivers History report is separate from your TransUnion credit report.

How do I get a free copy?

The CFPB says Drivers History provides a free report if an adverse action was taken based on information in it and you request the report within 60 days of receiving the 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

• Background Check Dispute Letter: What to Write, What to Attach
• Got a Pre-Adverse Action Notice? What It Means and What to Do Next

Sources

• CFPB consumer reporting companies list: Drivers History (driving violation reports for insurers and employers; subsidiary of TransUnion; website, phone 855-694-1555, Woodlyn, PA address; free report after adverse action)
• TransUnion newsroom, Dec. 2, 2014: TransUnion enhances solutions for the insurance industry with majority ownership of Drivers History (traffic and criminal court data; collected since 2002; Cherry Hill, NJ)
• 15 U.S.C. § 1681j (free file disclosure within 60 days after an adverse action notice)
• 15 U.S.C. § 1681a (adverse action includes an increase in any charge for insurance)
• CFPB: How do I dispute an error on my credit report?

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