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LexisNexis C.L.U.E. · Auto and home insurance claims reports

Insurance rate hurt by a wrong C.L.U.E. report?

LexisNexis C.L.U.E. reports up to seven years of auto and home insurance claims to insurers that price and underwrite policies. If your C.L.U.E. report lists claims that are wrong and LexisNexis won't fix them, the Fair Credit Reporting Act lets you sue.

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Who LexisNexis C.L.U.E. is and who relies on its reports

C.L.U.E. stands for Comprehensive Loss Underwriting Exchange. The CFPB describes it as a claims information exchange that helps the insurance industry make pricing and underwriting decisions. It collects and reports up to seven years of auto insurance claims and up to seven years of home and personal property claims. The CFPB lists it together with LexisNexis Telematics OnDemand, which collects and reports driving behavior data used to price auto insurance.

According to the CFPB, LexisNexis C.L.U.E. Inc. and Telematics OnDemand are affiliated with LexisNexis Risk Solutions, which describes itself as part of RELX.

When you apply for auto or homeowners insurance, or when your policy renews, the insurer may pull your C.L.U.E. report. A claim on that report can mean a higher premium, a non-renewal, or a denial. If the claim is not yours, or the details are wrong, you are paying for someone else’s mistake.

Driving data and the FTC’s General Motors case

In January 2025 the FTC alleged that General Motors and OnStar sold drivers’ driving behavior data, such as hard braking, late-night driving and speeding, to consumer reporting agencies without clear disclosure or consent, and that the data was used in reports insurers relied on to deny coverage or set rates. GM was the respondent. The order the FTC finalized in January 2026 bars GM from disclosing that data to consumer reporting agencies for five years. The point: your insurance file may hold data you never knew was collected, and you have the right to see and dispute it.

Errors that show up on C.L.U.E. reports

  • Claims that are not yours. A claim filed by someone with a similar name or by another member of a mixed file.
  • Prior-owner claims. A water damage claim from before you bought the house, or a crash from before you bought the car, listed under your name.
  • Inquiries recorded as claims. A call to ask whether something is covered, reported as a loss.
  • Wrong amounts or status. A claim shown as paid when nothing was paid, or a claim you were not at fault for shown without that detail.
  • Old claims. Claims outside the reporting period still on the report.
  • Driving data. Telematics records you did not know were being shared.

How to dispute LexisNexis C.L.U.E.

  1. Read the insurer’s notice. If an insurer raised your rate or denied coverage because of your C.L.U.E. report, it must tell you and name the reporting company.
  2. Get your report. Request it through the LexisNexis consumer center, by phone at 1-866-897-8126, or by mail to LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108. LexisNexis says you can get one free C.L.U.E. report every 12 months.
  3. Use the dispute contact on your report. LexisNexis says the file disclosure it sends you includes contact information in case you have questions about it. Dispute in writing, identify each claim by date and claim number, and explain why it is wrong.
  4. Attach proof. Closing documents showing when you bought the home, the vehicle bill of sale, a letter from the insurer saying no claim was paid, or proof of identity.
  5. Dispute with the insurer too. The CFPB advises disputing with both the reporting company and the company that supplied the information.
  6. Keep copies of the notice, your report, your dispute, proof of mailing and every response.

How to contact LexisNexis C.L.U.E.

Your rights under the FCRA

  • Accuracy (15 U.S.C. § 1681e(b)). LexisNexis must follow reasonable procedures to assure maximum possible accuracy of what it reports.
  • Reinvestigation (§ 1681i). After you dispute, it must reasonably reinvestigate, free of charge, generally within 30 days, notify the insurer that supplied the claim, and correct or delete inaccurate, incomplete or unverifiable information.
  • File disclosure (§ 1681g). You may see all information in your file, where it came from, and who received your report.
  • Free disclosures (§ 1681j). Nationwide specialty consumer reporting agencies that report insurance claims must give you a free disclosure every 12 months on request, and any agency must give you a free copy if you ask within 60 days after an adverse action notice.
  • Adverse action notice (§ 1681m). Under the FCRA, an increase in any charge for insurance, or a denial or cancellation, is an adverse action. An insurer that takes one based on your C.L.U.E. report must tell you, name LexisNexis, and explain your rights.

Can you sue LexisNexis C.L.U.E.?

You may have a claim if LexisNexis reported a claim 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). You may also have a claim if it refused to give you your file (§ 1681g).

For a negligent violation, you may recover actual damages, such as higher premiums, lost coverage 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).

The FTC’s General Motors case, described above, was brought against GM, not LexisNexis.

Get a free case review

If your C.L.U.E. report lists claims that are not yours and LexisNexis will not correct them, do not wait. 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 LexisNexis C.L.U.E.

Can I sue LexisNexis over my C.L.U.E. report?

Yes, if the facts support a claim. A C.L.U.E. report is a consumer report, so LexisNexis must use reasonable procedures to keep it accurate and must reasonably reinvestigate when you dispute. If it reports claims that are wrong, or ignores your dispute, you may have a claim under the FCRA.

What is on a C.L.U.E. report?

According to the CFPB, C.L.U.E. (Comprehensive Loss Underwriting Exchange) reports up to seven years of auto insurance claims and up to seven years of home and personal property claims. The CFPB lists it together with LexisNexis Telematics OnDemand, which reports driving behavior data used for auto insurance pricing.

Is my C.L.U.E. report free?

The CFPB says LexisNexis provides one free report every 12 months on request, and LexisNexis says the same for C.L.U.E. reports. You are also entitled to a free copy if you ask within 60 days after an insurer's adverse action notice.

Who owns C.L.U.E.?

The CFPB says LexisNexis C.L.U.E. Inc. and Telematics OnDemand are affiliated with LexisNexis Risk Solutions, which describes itself as part of RELX.

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

Sources

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

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