If a home or auto insurer quoted you a startling premium — or declined you — over claims you do not recognize, the file behind it is probably your CLUE report. CLUE, the Comprehensive Loss Underwriting Exchange, is a claims-history database run by LexisNexis, it is a consumer report under the Fair Credit Reporting Act, and when it is wrong you have the right to see it, dispute it free of charge, and be compensated for what the error cost you.
What a CLUE report is
The CFPB’s consumer reporting company list places CLUE in its personal property insurance category: a claims information exchange collecting up to seven years of auto insurance claims and seven years of home and personal property claims, used by insurers for pricing and underwriting — affiliated with LexisNexis Risk Solutions, which also collects driving-behavior data for auto pricing. When you apply for coverage, the insurer pulls the file; a claim on it — yours or not — moves your quote before you ever speak to an underwriter.
Where CLUE reports go wrong
A claim filed by a previous owner of your house that reads as yours. An inquiry you made that was recorded as a claim, even though nothing was ever paid. A claim listed twice, or with a wrong date or loss amount that keeps it on the file past its window. Someone else’s claims matched to your name — the same matching failure that produces a mixed credit file. Because almost nobody checks a CLUE report until a renewal spikes or an application is declined, errors can sit for years, pricing every policy you buy.
Your rights: the report is free, and the dispute is federal law
Per the CFPB’s listing, LexisNexis will provide one free CLUE report every twelve months on request — through the LexisNexis consumer disclosure site, by phone at 866-897-8126, or by mail at LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348 — delivered within fifteen days, and it will freeze the file on request. Read every claim entry exactly as it appears. If anything is inaccurate or incomplete, dispute it in writing with proof — the closed claim file, a letter from the insurer, the purchase date of your home — and the FCRA requires a reasonable investigation, free of charge, with correction of whatever cannot be verified.
When it becomes a legal claim
If you paid inflated premiums or lost coverage over claims history that was not yours or not accurate, and a proper dispute did not fix it, the FCRA provides actual damages — the premium difference, the coverage you lost — statutory and punitive damages for willful violations, and attorney’s fees, which is why we handle these cases on contingency. CLUE sits beside LexisNexis’s other consumer files and the insurance-underwriting bureaus like Milliman IntelliScript in our property and insurance reports directory — files that price what you pay, governed by the same law as the credit bureaus, with our dispute letter guide applying to every one of them.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated August 2026.