Property & Insurance Reports

When you apply for home or auto insurance, the price you’re quoted — or whether you’re offered coverage at all — often depends on reports you’ve never seen. Insurers rely on specialty consumer reporting agencies, covered by the federal Fair Credit Reporting Act (FCRA), that compile your claims history and related data, such as the C.L.U.E. report. When these reports contain errors — a claim that isn’t yours, a claim you never actually filed, or a prior owner’s history tied to your address — you can end up paying higher premiums or being denied coverage. At The Kim Law Firm, we help consumers in Philadelphia and across Pennsylvania correct these reports.

How property and insurance reports work

Insurers use claims-history databases — like the Comprehensive Loss Underwriting Exchange (C.L.U.E.) maintained by LexisNexis — and related reports to assess risk and set your premium. A single inaccurate claim can raise your rates for years or lead to a denial. Because you rarely see these reports, errors often go unnoticed until you’re quoted a higher price. If an insurer takes adverse action based on a report, it must tell you which reporting company supplied it.

Common property and insurance report errors we see

• A claim attributed to you that actually belongs to someone else
• A claim you only inquired about but never filed, counted against you
• A prior owner’s claims still tied to your property or address
• Duplicate claims for the same loss
• Incorrect property details or loss information
• Outdated information that should have aged off

How these errors hurt you

An inaccurate report can mean higher premiums, a denied or non-renewed policy, or being pushed into a high-risk insurance pool — and because these reports drive pricing for years, a single mistake can cost you well beyond a single renewal.

Your rights under the Fair Credit Reporting Act

You can request your reports and review them for mistakes — a C.L.U.E. report is available free once a year. If you find an error, you can dispute it, and the reporting company must reinvestigate — generally within 30 days — then correct or delete anything it can’t verify. When a company reports inaccurate information or ignores a valid dispute and you’re harmed, the FCRA lets consumers recover actual damages, and for willful violations, statutory damages, punitive damages, and attorney’s fees and costs. We can pursue these cases at no upfront cost to you.

How to dispute a property or insurance report error

1. Request your reports — including your C.L.U.E. report from LexisNexis.
2. Identify every error and gather documents reflecting that the information is not accurate — i.e., policy records, proof a claim was never filed, closing documents showing a prior owner.
3. Dispute in writing with the reporting company, and keep copies.
4. Track the 30-day investigation window.
5. If it isn’t corrected — or it already raised your premium — talk to an FCRA attorney.

If your dispute didn’t fix the report, that’s often when the law has been violated — and where we can help.

How The Kim Law Firm helps

From our Philadelphia office, we review your reports, pinpoint the FCRA violations, deal with the reporting company and the insurer where appropriate, and pursue compensation for the harm you’ve suffered. With extensive experience representing individuals under the FCRA, we know how these specialty reporting agencies operate and what it takes to force a correction. You don’t pay unless we win.

Property and insurance reporting companies we handle disputes against

Errors can appear on a report from any of these property and insurance reporting providers. If one of them has reported inaccurate information about you — or if yours isn’t listed — contact us.

• A-PLUS Property by Verisk
• Insurance Information Exchange (iiX)
• LexisNexis C.L.U.E. (Auto & Property Reports)
• Deposit Payment Protection Services (SCAN)
• Drivers History
• First American Financial Corporation
• Florida MVR Services
• National Insurance Crime Bureau (NICB)
• TML Information Services
• MIB Group
• Milliman IntelliScript

Property and insurance report errors often overlap with other consumer-report problems — see our pages on credit report errors, background check companies, tenant screening, and check & bank screening.

Frequently asked questions