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MIB · Life and health insurance underwriting reports

Turned down for insurance because of an MIB report?

MIB, Inc. reports coded medical conditions and hazardous activities to life and health insurers that underwrite individual policies. If your MIB file is wrong and MIB won't fix it, the Fair Credit Reporting Act gives you the right to sue.

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Who MIB is and who relies on its reports

MIB, Inc. is a subsidiary of MIB Group, Inc., based in Braintree, Massachusetts. MIB describes itself as a nationwide specialty consumer reporting agency under the Fair Credit Reporting Act, and says it manages a contributory database of underwriting information maintained by its member insurance companies.

According to the CFPB, MIB collects information about medical conditions and hazardous avocations (risky hobbies or activities) and, with your authorization, reports it to life and health insurers that are deciding whether and on what terms to cover you under an individual policy. MIB says member insurers cross-check your application against your file, but may not make an underwriting decision based on the MIB record alone without further investigation.

MIB says you will not have a file unless you applied for individually underwritten life or health insurance within the last seven years, and that the date a member company reported information must fall within the past seven years. Medical information in the file is coded, and MIB translates the codes when it sends your file to you. A wrong code can follow you from one insurer to the next, leading to a denial, a higher rating class or a policy with exclusions.

Errors that show up on MIB files

  • Conditions you do not have. A code for a diagnosis that was never made.
  • Mixed files. Another applicant’s medical information attached to your name.
  • Wrong activities. A hazardous hobby or activity that you do not do.
  • Incomplete results. An abnormal test reported without the follow-up that cleared it.
  • Old information. Items from more than seven years ago.
  • Shallow dispute handling. A dispute closed without contacting the insurer that reported the code.

How to dispute MIB

  1. Request your file first. MIB says this is optional but helps you name each disputed item. Request it through MIB’s online request page or by phone at 866-692-6901, the number the CFPB lists.
  2. Submit a signed dispute. MIB asks for a signed Request for Reinvestigation Form (linked in the cover letter that comes with your file) or a signed letter to the MIB Disclosure Office.
  3. Include what MIB asks for. Your full name with middle initial and suffix, address, date of birth, place of birth, Social Security number, and each disputed item with the specific reason it is wrong. MIB says a letter that only expresses general dissatisfaction may lead it to ask for more information.
  4. Send it by email or mail. U.S. residents can email [email protected] or mail MIB Disclosure Office, 50 Braintree Hill Park, Suite 400, Braintree, MA 02184. MIB says there is no charge for a dispute.
  5. Send supporting records. MIB encourages relevant medical records, such as lab results and treatment notes, or the names and contact information of providers who can confirm the facts.
  6. Watch for the results. MIB says it contacts the member company that reported the information and mails the results, which may take up to 45 days. Keep copies of everything.

How to contact MIB

  • File requests online: mib.com/request_your_record.html
  • Consumer phone: 866-692-6901, as listed by the CFPB
  • Email (file disclosure and disputes, U.S.): [email protected]
  • Mail (requests and disputes): MIB, Inc., 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734

Your rights under the FCRA

  • Accuracy (15 U.S.C. § 1681e(b)). MIB must follow reasonable procedures to assure maximum possible accuracy of what it reports.
  • Reinvestigation (§ 1681i). After a dispute, MIB must reasonably reinvestigate, free of charge, notify the member company that supplied the information, 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 disclosures (§ 1681j). Nationwide specialty consumer reporting agencies that report medical records must give a free disclosure every 12 months on request, and any agency must give a free copy if you ask within 60 days after an adverse action notice.
  • Permissible purpose (§ 1681b). Your file may be shared only for a purpose the FCRA allows, and the CFPB notes MIB reports with your authorization.
  • Adverse action notice (§ 1681m). An insurer that denies coverage or charges more based on an MIB report must tell you, name MIB, and explain your rights.

Can you sue MIB?

Yes, when the facts support it. You may have a claim if MIB reported inaccurate medical or personal information without reasonable procedures to get it right (§ 1681e(b)), if it did not reasonably reinvestigate your dispute and correct the file (§ 1681i), or if it failed to give you your file (§ 1681g).

For a negligent violation, you may recover actual damages, such as lost or more expensive 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).

Medical cases often turn on records, so gather them early: the insurer’s denial letter, your MIB file, and the medical records that show the coded information is wrong.

Get a free case review

If MIB’s file on you is wrong and it would not correct 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 MIB

Can I sue MIB?

Yes, if the facts support a claim. MIB describes itself as a nationwide specialty consumer reporting agency under the FCRA. It must use reasonable procedures to keep its files accurate and must reasonably reinvestigate your disputes. If it does not, you may have a claim.

What is in an MIB file?

According to MIB and the CFPB, MIB holds coded medical and personal information, such as medical conditions and hazardous avocations, reported by member insurance companies when you applied for individually underwritten coverage. Your file also lists which member companies reported or received your information.

Do I even have an MIB file?

Maybe not. MIB says you will not have a file unless you applied for individually underwritten life or health insurance within the last seven years. The CFPB says MIB generally won't have a report on you unless you applied for individual coverage with an insurer that uses MIB, and that group coverage is not included. If you have no file, MIB sends a no-record notice.

Is my MIB file free?

Yes, once a year. MIB says copies are free once per year, plus an extra free copy if an insurer's adverse underwriting letter says an MIB record influenced its decision.

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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