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How do I fix my CLUE report?


Question: How do I fix my clue report? My clue report shows that I had a car accident on December 29 and December 30. I only had one car accident which was on December 29.

Answer: First, here is a little background information on what a CLUE report is. CLUE is an acronym for Comprehensive Loss Underwriting Exchange. 

C.L.U.E.® is a registered trademark of LexisNexis Risk Solutions (who acquired it from ChoicePoint in 2008).   This report is a national insurance industry database of claims.

When you or your insurance company requests a CLUE report, it will include all losses reported within the past seven years from the date of the request. The basic information given is the date of loss, loss type and amount paid, along with general information such as your insurance company name, policy number and claim number.

Under the federal Fair Credit Reporting Act, CLUE reports can only be accessed by the owner, insurer, or lender for a specific property. As the owner of a property (house or car), you can order a CLUE report.

You can obtain your C.L.U.E report by LexisNexis Services at 1-866-312-8076. The LexisNexis site also tells you how to order a copy of the report through the mail or, easiest of all, view the report online. They are the providers of the report, and are the only company that discloses this report.

If you discover an error on your CLUE report, such as an invalid claim date or a duplicate accident listed such as you have found, you can contact LexisNexis directly to report the problem. LexisNexis must contact the insurance company on your behalf and ask for clarification.

From the information we found, the insurance company has 30 days to respond to LexisNexis and to provide evidence that the information on the CLUE report is accurate. LexisNexis must follow up with the insurer after 20 days if the company does not respond, and again if after 28 days it has not received a response. If the company does not respond within 30 days, LexisNexismust remove the information from the database.

As a consumer, you have the right to add notations to your individual CLUE report. For instance, if you have had a dog bite claim made against you and later you get rid of the dog that caused the injury you can add a note that you no longer own the dog to the CLUE report for the property. Insurance companies are not allowed to add notations to the database.

Keep in mind not only can your CLUE report show valid claims, it can also list what is referred to as phantom claims that can raise your rates. For example if a tree falls on your car and you call your insurance company to check on your coverage. Ultimately you decide not to file a claim because the damage is only slightly more than your deductible. That inquiry may be included in your CLUE report even if the insurance company never paid for the damage.

Some states have laws to help the consumer not be penalized by this. For example Arizona's Legislature passed a bill in 2003 that says that your insurance company cannot raise your premiums for a phantom claim in the last three years if the amount is below your deductible ($500 limit).

To get the error fixed you need to contact LexisNexis directly and discuss with them the accident that is showing up on your CLUE report as occurring twice instead of just on the one day. They should be able to give you more information on how their procedure works to correct your report and, on average, how long it takes for corrections to show up.

If you want to find out what state laws your state may have in place regarding CLUE reports, phantom claims, etc., you can contact your state's insurance regulator and ask for consumer information on this topic.


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