How to File a LexisNexis Dispute Over Your C.L.U.E. Report
For those who aren’t entirely certain what a C.L.U.E. report is, it’s a database maintained by LexisNexis that contains claims info on your personal property and vehicles. Typically, the claims info goes back seven years.
So if you filed either a home or auto insurance claim in the last seven years, it’s likely recorded on your C.L.U.E. report. This info is then accessed by insurers anytime you’re shopping around for a new policy and they want to get a sense of who you are as a potential customer.
Of course, sometimes the info on your report can be incorrect through no fault of your own. That’s why it’s helpful to know how to file a LexisNexis dispute over your C.L.U.E. report.
How Does the Dispute Process Work?
There are actually two routes you can take when disputing info in your C.L.U.E. report.
What is the Contact Info for LexisNexis?
If you submit an explanation of an insurance loss on your record, your explanation will appear on all future reports — but it won’t remove the loss from your record, no matter whether it’s correctly or incorrectly reported.
By contrast, a dispute could allow you have to have wrong info removed from your report.
Filing a dispute involves LexisNexis contacting the insurance company with your side of the story. If the insurance company agrees that the disputed info appears on your report wrongly, LexisNexis will remove it.
But if the insurance company takes issue with your dispute, the loss will remain on your record.
LexisNexis can be reached one of three ways:
Physical address: Write to the company at LexisNexis Consumer Center, ATTN: FACT Act Dispute Request, P.O. Box 105295, Atlanta, GA, 30348-5295
Phone: 888-497-0011 from 8 a.m. to 7 p.m. ET
What Info Will I Need to Start My Dispute?
No matter whether you’re submitting an explanation or starting a formal dispute, you’ll need the same info to begin:
C.L.U.E. report reference number
Claim number for the insurance company
Name of insurance company associated with the loss you want to explain or dispute
A brief description of the facts as you understand them
Dear LexisNexis Consumer Center:
I would like to dispute information on my C.L.U.E. (Auto or Personal Property) Report.
My C.L.U.E. report reference number is:
Here is the claim number and insurance company associated with the loss I wish to dispute (or explain):
Here are the facts as I know them:
(Optional) As part of my explanation, I would like the following statement included on all future versions of my C.L.U.E. report:
Thank you for your attention to this matter.
[Insert your name]
LexisNexis Dispute Template Letter
Before you reach out to LexisNexis, you’ll obviously want to have a clear idea of whether you’re disputing a loss record or just simply want to submit an explanation to accompany that loss record on future versions of your C.L.U.E. report.
If it’s the latter, you’ll want to prepare a statement in 100 words or less that you’d like to be included on future versions of the report.
Check out this C.L.U.E. report dispute sample letter
LexisNexis Consumer Center
ATTN: FACT Act Dispute Request
P.O. Box 105295
Atlanta, GA, 30348-5295
Once you submit your dispute or explanation, LexisNexis will work to verify the info you’ve provided with the reporting insurance company.
They will make any necessary changes to their database — including amending your 100-word explanation statement to your C.L.U.E. report — within 30 days.
Upon your request, LexisNexis will also give you a description of the procedures they used to determine the accuracy and completeness of your version of the facts.
In addition, you have the right to request that LexisNexis send a revised copy of the C.L.U.E. report to anyone who received a copy of your file over the last six months.
Ultimately, submitting a LexisNexis dispute about your C.L.U.E. report is pretty simple — especially if you use our template letter above!
Meanwhile, if you want to brush up on the basics of what this little-known insider insurance report covers, be sure to check out our article on Your C.L.U.E. Report: What It Is and How to Check It for Free.
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