Insurance or a job lost over a wrong iiX driving report?

Who iiX is and who relies on its reports

Insurance Information Exchange, known as iiX, is a subsidiary of Verisk Analytics, Inc. The CFPB’s list of consumer reporting companies says it is also known as Transportation Employment Screening. Its compliance department, which handles consumer report requests, is in College Station, Texas.

According to the CFPB, iiX collects and reports motor vehicle records, including traffic violation data, to insurance providers and prospective employers. It also offers employment and education verification, government sanctions searches and criminal background checks.

That puts iiX behind two kinds of decisions. An auto insurer may order your driving record through iiX when you apply or renew, and a violation can raise your premium or end your coverage. An employer hiring for a driving job may order the same kind of report, and a violation can cost you the offer. Either way, an error on the report costs you money, and you may never have heard of iiX before the notice arrived.

Errors that show up on iiX reports

• Wrong-driver violations. Tickets belonging to someone with a similar name or date of birth.
• Dismissed or reduced tickets. A ticket that was dismissed, or reduced to a non-moving violation, still shown as the original charge.
• License mix-ups. Records tied to the wrong license number or the wrong state.
• Old violations. Items that are past the point where the insurer or employer should see them.
• Outdated status. A suspension shown as active after you cleared it.
• Background check errors. Criminal, employment or education records that belong to another person.

How to dispute Insurance Information Exchange (iiX)

1. Read the adverse action notice. An insurer or employer that acted on an iiX report must tell you and name the company that supplied it.
2. Request your report. Use the iiX Consumer Report Request Form. It asks for your name, prior names, date of birth, driver’s license number and state, last five digits of your Social Security number, and the insurer or employer that ordered the report. Mail it with proof of identity and address to iiX, Attn: Compliance Dept., 1574 Crescent Pointe Pkwy, College Station, TX 77845, or fax it to 201-748-1019, or email it to [email protected]. iiX says it will mail a response within 30 days.
3. Dispute each error in writing. The Compliance Department address above is the consumer contact listed on iiX’s request form and by the CFPB. List each violation or record by date and court, and explain why it is wrong.
4. Attach proof. A court dismissal order, a certified copy of your state driving record, or proof that a record belongs to someone else.
5. Fix the source too. If the error came from a court or a state motor vehicle agency, ask that office to correct its records. The CFPB advises disputing with both the reporting company and the source.
6. Keep copies of everything you send and receive.

How to contact Insurance Information Exchange (iiX)

• Report request form: verisk.com/siteassets/iix/downloads/fcrarelease.pdf
• Consumer phone: 800-683-8553 (Option 6), as listed by the CFPB
• Email: [email protected]
• Fax: 201-748-1019
• Mail (requests and disputes): Insurance Information Exchange (iiX), Attn: Compliance Dept., 1574 Crescent Pointe Pkwy, College Station, TX 77845

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). iiX must follow reasonable procedures to assure maximum possible accuracy of the records it reports.
• Reinvestigation (§ 1681i). After you dispute, iiX must reasonably reinvestigate, free of charge, generally within 30 days, contact the source, and correct or delete inaccurate, incomplete or unverifiable information.
• File disclosure (§ 1681g). You may see the information in your file and its sources.
• Free copy after adverse action (§ 1681j). If you ask within 60 days after an adverse action notice, you are entitled to a free copy. The CFPB says iiX provides a free report when an adverse action results from information in the report.
• 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 an iiX 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 it rejects you based on it.

Can you sue Insurance Information Exchange (iiX)?

Yes, when the facts support it. You may have a claim if iiX reported a violation or record that was inaccurate 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 an iiX report showed violations that are not yours, or ignored a dismissal, and iiX 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 Insurance Information Exchange (iiX)

Can I sue iiX?

Yes, if the facts support a claim. iiX sells consumer reports to insurers and employers, so it must use reasonable procedures to keep them accurate and must reasonably reinvestigate when you dispute. If it does not, you may have a claim under the FCRA.

What is iiX?

According to the CFPB, Insurance Information Exchange (iiX), also listed as Transportation Employment Screening, is a subsidiary of Verisk Analytics, Inc. It collects and reports motor vehicle records, including traffic violation data, to insurers and prospective employers, and also offers employment and education verification, sanctions searches and criminal background checks.

How do I get my iiX report?

iiX's Consumer Report Request Form says it will send you a copy of the report if information in it was a factor in an adverse action by an insurer or employer. You mail, fax or email the signed form with proof of identity and address, and iiX says it will mail its response within 30 days.

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: Insurance Information Exchange (iiX) (motor vehicle records and traffic violation data for insurers and employers; Verisk subsidiary; phone, request form and College Station, TX address; free report after adverse action)
• Verisk iiX Consumer Report Request Form, rev. May 2023 (copy after adverse action; mail to 1574 Crescent Pointe Pkwy, College Station, TX 77845, fax 201-748-1019 or email [email protected]; response mailed within 30 days)
• 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.