If a life, health, long-term care, or disability insurer rated you up or turned you down and you cannot figure out why, the answer may be a consumer report you have never seen — from a company most applicants have never heard of. Milliman IntelliScript collects prescription drug purchase history and turns it into risk scores that insurers use in underwriting. It is a consumer reporting agency, its report about you is governed by the Fair Credit Reporting Act, and when that report is wrong, you have the same federal rights you would have against a credit bureau.
What Milliman IntelliScript is
The CFPB’s consumer reporting company list places IntelliScript in its medical category: it collects prescription drug purchase history to quantify the relative mortality risk of life insurance applicants and provides risk scores for underwriting decisions. It is part of Milliman, Inc. The company’s own consumer page says it plainly: its consumer reports and related services are regulated by the Fair Credit Reporting Act, it gathers your information when a HIPAA authorization is in place — the one you sign inside an insurance application — and reports generally exist only for people who have recently applied for individual coverage.
How a prescription history decides an insurance application
When you apply, the insurer sends your authorization to IntelliScript, which returns your medication purchase history and scoring. A drug strongly associated with a condition — whether or not you have that condition — can move the underwriting decision. IntelliScript itself does not grant or deny coverage; as its own site states, the insurance company makes the decision. But the report is the input, and an error in the input becomes an error in your premium or your denial.
The errors we see in prescription-history reports
Someone else’s prescriptions on your file — a relative with a similar name, a pharmacy data-entry mistake — is the same matching failure that produces a mixed credit file. Medications you never filled. A short-term prescription reported in a way that reads as chronic treatment. A discontinued medication that keeps reporting. Each is a concrete accuracy problem in a consumer report that priced or denied your coverage.
Prescription history is also only half of what insurers check: the other insurance-underwriting bureau is MIB, whose member companies contribute medical-condition codes to your MIB Consumer File — and it fails in the same ways.
Your rights: the report is free, and the dispute is federal law
Per the CFPB’s listing, IntelliScript will provide a free copy of your report if one exists and you request it — by phone at 877-211-4816, through rxhistories.com, or by mail at Milliman IntelliScript, P.O. Box 2223, Brookfield, WI 53008 — and companies required to provide free annual reports must do so within fifteen days of the request. If anything is inaccurate or incomplete, you can dispute it, and the FCRA requires a reasonable investigation, free of charge, with correction of anything that cannot be verified — and the source of the wrong data must correct it everywhere it sent it. Our credit dispute letter guide applies to specialty bureaus like this one.
When it becomes a legal claim
If you were denied or rated up over prescription history that was not yours or not accurate, and a proper dispute did not fix it, the FCRA provides actual damages — the coverage you lost, the premium difference, the time — statutory and punitive damages for willful violations, and attorney’s fees, which is why we handle these cases on contingency. Specialty bureaus outside the big three are still consumer reporting agencies, from LexisNexis to SageStream to this one — and the law reaches all of them.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated August 2026.