Insurance rate hurt by a wrong A-PLUS report?

Who Verisk A-PLUS is and who relies on its reports

A-PLUS is a claims history database run by Verisk. The CFPB’s list of consumer reporting companies describes A-PLUS Property (by Verisk) as a company that collects and reports insurance claims and loss history associated with homes, autos and personal property, and says it is a subsidiary of Verisk Analytics, Inc. Verisk markets A-PLUS to insurers as loss history reports for personal lines, meaning policies such as auto and homeowners insurance that individuals buy.

Insurers use these reports when you apply for a policy and sometimes at renewal. A claim on your A-PLUS report can lead to a higher premium, a denial, or a non-renewal. Many people have heard of the C.L.U.E. report from LexisNexis, but fewer know that Verisk keeps a separate claims history file. If an insurer turned you down or raised your rate because of your claims history, your A-PLUS file may be the reason.

Errors that show up on A-PLUS reports

• Claims that are not yours. A claim filed by someone with a similar name, or by someone at a prior address.
• Prior-owner losses. Damage claims from before you owned the house or car, tied to you because they are tied to the property.
• Mixed files. Another person’s claims attached to your name or identifying information.
• Inquiries reported as losses. A question to your agent about coverage, recorded as a claim.
• Wrong details. The wrong date of loss, the wrong amount paid, or a claim shown as paid when it was closed without payment.
• Shallow dispute handling. A dispute closed without real contact with the insurer that reported the claim.

How to dispute Verisk A-PLUS

1. Read the insurer’s notice. If an insurer took adverse action based on your A-PLUS report, it must tell you and name the reporting company.
2. Request your report. Contact the Verisk Insurance Solutions Consumer Inquiry Center through its FCRA consumer site, by phone at 800-627-3487 (Option 2) or 800-709-8842, or by mail to Verisk Insurance Solutions, Consumer Inquiry Center, P.O. Box 5404, Mt. Laurel, NJ 08054. The CFPB says you can get one free report every 12 months.
3. Dispute each error in writing. The Consumer Inquiry Center is the contact Verisk lists for A-PLUS consumers. Write to it at the address above, or by email to [email protected] or fax to 800-955-2422. Identify each claim by date, insurer and claim number, and explain exactly why it is wrong.
4. Attach proof. Closing papers or a bill of sale showing when you bought the property, a letter from the insurer, 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 everything you send and receive, and send mail with tracking.

How to contact Verisk A-PLUS

• Online: fcra.verisk.com
• Consumer phone: 800-627-3487 (Option 2) or 800-709-8842
• Email: [email protected]
• Fax: 800-955-2422
• Mail (report requests and disputes): Verisk Insurance Solutions, Consumer Inquiry Center, P.O. Box 5404, Mt. Laurel, NJ 08054-5404

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). Verisk must follow reasonable procedures to assure maximum possible accuracy of the claims it reports.
• Reinvestigation (§ 1681i). After you dispute, Verisk 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, its sources, 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. Any agency must give you a free copy if you ask 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). The FCRA treats a denial, a cancellation or an increase in any charge for insurance as an adverse action. An insurer that takes one based on your A-PLUS report must tell you, name the reporting company, and explain your right to a free copy and to dispute.

Can you sue Verisk A-PLUS?

Yes, when the facts support it. You may have a claim if Verisk reported a claim that was inaccurate without reasonable procedures to get it right (§ 1681e(b)), if you disputed and it did not reasonably reinvestigate and correct the file (§ 1681i), or if it failed to give you your file when you asked (§ 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).

Because home and auto claims are tied to an address or a vehicle as well as a person, prior-owner claims can end up on the wrong file. A clear written dispute, with proof of when you bought the property, gives Verisk what it needs to fix the error. If it still will not, that refusal may be the basis of a claim.

Get a free case review

If Verisk reported claims that are not yours and would not correct them, act before time runs out. 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 Verisk A-PLUS

Can I sue Verisk over my A-PLUS report?

Yes, if the facts support a claim. The CFPB lists A-PLUS Property (by Verisk) as a consumer reporting company. 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 an A-PLUS report?

According to the CFPB, A-PLUS collects and reports insurance claims and loss history associated with homes, autos and personal property. Verisk calls A-PLUS its loss history reports for personal lines insurance.

Is A-PLUS the same as C.L.U.E.?

No. A-PLUS is a Verisk product. C.L.U.E. is a separate claims history report from LexisNexis. An insurer may use either one, so if you were denied or charged more, check both.

Is my A-PLUS report free?

The CFPB says the company provides one free report every 12 months if you request it. You are also entitled to a free copy if you ask within 60 days after an insurer's 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

• How to Dispute Credit Report Errors With Equifax, Experian and TransUnion
• How to Write a Credit Report Dispute Letter That Gets Investigated

Sources

• CFPB consumer reporting companies list: A-PLUS Property (by Verisk) (claims and loss history for homes, autos and personal property; subsidiary of Verisk Analytics, Inc.; phone and mailing address; free report every 12 months)
• Verisk Insurance Solutions FCRA consumer site (A-PLUS Consumer Inquiry Center: telephone 800-709-8842, fax 800-955-2422, [email protected], P.O. Box 5404, Mt. Laurel, NJ 08054-5404)
• Verisk: A-PLUS loss history reports for personal lines
• 15 U.S.C. § 1681a (adverse action includes an increase in any charge for insurance; nationwide specialty consumer reporting agency defined)
• CFPB: How do I dispute an error on my credit report?

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