Insurance or credit hurt by a LexisNexis report?

Who LexisNexis Risk Solutions is and who relies on its reports

LexisNexis Risk Solutions describes itself as part of RELX. According to the CFPB, it provides information to financial institutions, insurance carriers, healthcare providers and government agencies, drawn from public records and proprietary sources. Its consumer file can include real estate transaction and ownership data, liens, judgments, bankruptcies, professional licenses and historical addresses.

One of its consumer reports is C.L.U.E., short for Comprehensive Loss Underwriting Exchange. The CFPB describes C.L.U.E. as a claims information exchange that reports up to seven years of auto insurance claims and seven years of home and personal property claims to help insurers price and underwrite policies. The CFPB also lists LexisNexis Telematics OnDemand, which collects and reports driving behavior data for auto insurance pricing. Both are affiliated with LexisNexis Risk Solutions.

So if your homeowners or auto premium jumped, or an insurer turned you down, a LexisNexis report may be the reason. The same is true for some lending, identity verification and other decisions.

Driving data and the FTC’s General Motors case

In January 2025 the FTC brought an action against General Motors and OnStar, and in January 2026 it finalized an order. The FTC’s complaint alleged that GM contracted with LexisNexis in 2019 to furnish driving event data, such as hard braking, acceleration and speeding, from drivers enrolled in OnStar Smart Driver, and that LexisNexis used that data to compile consumer reports. The complaint also alleged that some consumers complained after finding hundreds of driving records in their own LexisNexis reports. GM, not LexisNexis, was the respondent, and the final order bars GM from disclosing driving data to consumer reporting agencies for five years.

The lesson for consumers: insurance reports can contain data you never knew was collected. You have the right to see it and to dispute it.

Errors that show up on LexisNexis reports

• Claims that are not yours. A claim filed by a prior owner of your home or car, or by someone with a similar name.
• Inquiries reported as claims. A call to your insurer about possible damage, recorded as a loss.
• Driving data you did not authorize. Telematics records you did not know were being shared.
• Wrong-person public records. Liens, judgments or bankruptcies belonging to someone else.
• Stale records. Satisfied or dismissed items still shown as open.
• Mixed identity data. Addresses and other records that belong to another person.

How to get your LexisNexis file and dispute it

1. Request your full file. The LexisNexis consumer center takes requests for its Consumer Disclosure Report online, by mail or by phone.
2. Request your C.L.U.E. report. LexisNexis’s consumer and data access policies page says you can get one free C.L.U.E. report every 12 months, and links to its full file disclosure form and to security freeze requests.
3. Dispute each error in writing. Identify the claim or record, explain why it is wrong, and attach proof: claim letters from your insurer, closing documents for a home you bought, a satisfaction of judgment, or proof of identity. The CFPB advises disputing with the company that supplied the information, such as the insurer, as well.
4. Keep copies of the adverse action notice, your reports, your dispute and every response.

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). LexisNexis must follow reasonable procedures to assure maximum possible accuracy.
• Reinvestigation (§ 1681i). After a dispute, it must reasonably reinvestigate, free of charge, generally within 30 days, notify the furnisher, and correct or delete inaccurate, incomplete or unverifiable information.
• File disclosure (§ 1681g). You may see all information in your file and where it came from.
• Free annual disclosure (§ 1681j). Nationwide specialty consumer reporting agencies that report insurance claims must provide a free disclosure every 12 months on request. The CFPB says LexisNexis Risk Solutions provides a free report every 12 months as well. You are also entitled to a free copy within 60 days after an adverse action notice.
• Reporting time limits (§ 1681c). Most adverse information older than seven years may not be reported.
• Adverse action notice (§ 1681m). An insurer or lender that raises your rate or turns you down based on a LexisNexis report must tell you, name LexisNexis, and explain your rights.

What you may recover

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

Get a free case review

If LexisNexis reported claims, records or driving data that are wrong, and would not correct them, act before time runs out. An FCRA lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (15 U.S.C. § 1681p). 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 Risk Solutions

Can I sue LexisNexis Risk Solutions?

Yes, if the facts support a claim. LexisNexis Risk Solutions and its C.L.U.E. business sell consumer reports, so the FCRA requires reasonable procedures to keep them accurate and a reasonable reinvestigation when you dispute. If either fails, you may have a claim.

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

C.L.U.E. is a claims information exchange. According to the CFPB, it reports up to seven years of auto insurance claims and seven years of home and personal property claims, which insurers use for pricing and underwriting. LexisNexis C.L.U.E. Inc. is affiliated with LexisNexis Risk Solutions.

Can LexisNexis report my driving habits?

The CFPB lists LexisNexis Telematics OnDemand as collecting and reporting driving behavior data for auto insurance pricing. In an FTC case against General Motors, the FTC alleged that GM sold drivers' driving data to LexisNexis, which used it to compile consumer reports. You can request your LexisNexis file to see what is in it.

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.

Sources

• CFPB consumer reporting companies list: LexisNexis Risk Solutions (public records and proprietary data; free annual report; freeze)
• CFPB consumer reporting companies list: LexisNexis C.L.U.E. & Telematics OnDemand (claims history and driving behavior data; affiliated with LexisNexis Risk Solutions)
• LexisNexis Risk Solutions consumer center (Consumer Disclosure Report requests)
• LexisNexis Risk Solutions consumer and data access policies ("part of RELX"; free C.L.U.E. report; full file disclosure; freezes)
• FTC complaint, In the Matter of General Motors LLC et al., No. 242-3052 (allegations that GM furnished driving data to LexisNexis, which used it to compile consumer reports)
• FTC press release, January 2025: FTC takes action against General Motors for sharing drivers' location and driving behavior data
• FTC press release, Jan. 14, 2026: FTC finalizes order with GM and OnStar (five-year ban on disclosing driving data to consumer reporting agencies)

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