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- A CLUE report is a seven-year record of your auto and property insurance claims maintained by LexisNexis Risk Solutions. Nearly every auto insurer in the U.S. uses it when quoting and underwriting policies.
- You’re entitled to one free CLUE report per year under the Fair Credit Reporting Act (FCRA). Request it at consumer.risk.lexisnexis.com or by calling 1-866-312-8076.
- To dispute an error, contact LexisNexis directly and submit supporting documentation. Under the FCRA, LexisNexis must complete its investigation within 30 days and notify you of the outcome in writing.
- If your insurer refuses to correct a disputed entry, you can add a personal statement of explanation (up to 100 words) to your CLUE report, or escalate your complaint to your state insurance department or the CFPB.
- Simple coverage inquiries — like calling your insurer to ask a question without filing a claim — should not appear on your CLUE report. If they do, that’s a disputable error.
What is a CLUE report and why does it matter?
A CLUE report — Comprehensive Loss Underwriting Exchange — is a database record maintained by LexisNexis Risk Solutions that tracks your auto and personal property insurance claims over the past seven years. More than 99% of auto insurers and over 95% of home insurers use it when underwriting new policies and setting premiums, according to LexisNexis.
When you apply for coverage, switch carriers, or add a vehicle, your insurer typically pulls your CLUE report alongside your motor vehicle record (MVR). The more claims you’ve filed, the higher the perceived risk — and the higher your premium. An error on your CLUE report can therefore cost you money you shouldn’t be paying.
“Like your credit report, it’s a good idea to review your C.L.U.E. report every once in a while to avoid unpleasant surprises. It’s important for the information on the report to be accurate, as this is what insurers use to assess risks for insuring property and vehicles,” says Will Pemberton, owner and personal injury attorney at Wisconsin-based Pemberton Personal Injury Law Firm.
Your CLUE report is separate from your state DMV driving record. Your MVR captures traffic violations, license points and suspensions. Your CLUE report captures insurance claims — dates of loss, type of loss, amounts paid and policy details. Insurers typically use both together.
What your CLUE report contains
LexisNexis maintains a CLUE report for every driver, even if you’ve never filed a claim — in that case, it simply shows no losses. A standard CLUE auto report includes:
- Your name and date of birth
- Your insurance policy number
- Claim details: date of loss, type of loss and amounts paid
- Vehicle information: VIN, year, make and model
- Your driver’s license number
Your CLUE report does not include credit history, criminal records, or civil lawsuit information. It also should not include coverage inquiries — calls you made to your insurer simply to ask questions about your deductible or coverage without filing a claim. LexisNexis advises insurers not to report those contacts and if one appears on your report, it’s a disputable error.
One recent development worth knowing: in 2023, LexisNexis launched CLUE Auto 360, which supplements standard claims data with police records and other vehicle-specific sources. If you see an entry on your report that doesn’t look like a traditional insurance claim, it may come from this expanded dataset.
A separate competing product — Verisk’s A-PLUS (Automated Property Loss Underwriting System) — serves a similar function. Some insurers subscribe to A-PLUS instead of, or in addition to, CLUE. If you’re auditing your full insurance record, it’s worth requesting both. You can reach Verisk’s consumer services at 1-800-709-8842.
Sophie’s Tip
Your CLUE report and your state DMV driving record are two different documents pulled by two different sources. A speeding ticket shows up on your MVR, not your CLUE report. An insurance claim shows up on your CLUE report, not necessarily your MVR. If your rate went up and you’re not sure why, request both — the answer may be in either one.
How to get your free CLUE report
Under the Fair Credit Reporting Act (FCRA), you’re entitled to one free CLUE report per year from LexisNexis Risk Solutions. You can also request a free report any time an insurer takes an adverse action against you — such as denying coverage or increasing your premium — based on information in the report.
To request your report:
- Online: Visit consumer.risk.lexisnexis.com/request and complete the form. You’ll need your full name, date of birth, current address and either your Social Security Number or driver’s license number for identity verification.
- By phone: Call LexisNexis at 1-866-312-8076
- By mail: Send a written request to LexisNexis Risk Solutions, Consumer Center, P.O. Box 55889, Boston, MA 02205-5889
After processing, LexisNexis mails you a letter with instructions for accessing your report online. Review it carefully — check that every claim listed is yours, that the amounts are correct and that no entries appear for coverage inquiries or incidents that belong to someone else.
You can request separate CLUE auto and CLUE personal property reports. If you want to check both your vehicle history and your home insurance history, request both.
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How to dispute an error on your CLUE report
If you find something wrong, the FCRA gives you the right to dispute it. Under FCRA Section 611(a)(1), LexisNexis must investigate your dispute and notify you of the results within 30 days.
Step 1: Contact LexisNexis
Submit your dispute through the online consumer portal at consumer.risk.lexisnexis.com, by mail, or by calling 1-888-497-0011. Written disputes are easier to document and track than phone calls if you need to escalate later.
Step 2: Gather supporting documentation
“Sending police reports, repair receipts, insurance letters, claim closures and any similar documents is advised. The more official the documentation and specific to your case, the better it will be for correcting the report,” Pemberton says.
Include copies only — never send originals. In your dispute, identify each inaccurate entry clearly, explain specifically why it’s wrong and attach the evidence that supports your position.
Step 3: Wait for the investigation result
LexisNexis contacts the insurance company that supplied the disputed information, reviews the evidence and notifies you of the outcome in writing. If the investigation confirms the error, LexisNexis corrects or removes the entry and sends you an updated report. If the insurer verifies the data as accurate, the entry remains. The entire process must be completed within 30 days under the FCRA.
Step 4: Notify your insurer
If corrections are made to your CLUE report, contact your current insurance company and ask it to pull an updated report. Your corrected record should be reflected in your next premium calculation.
What to do if the dispute doesn’t resolve the error
If LexisNexis closes your dispute without correcting a verifiable error, you have additional options.
Add a personal statement. Under the FCRA, you can submit a statement of explanation — up to 100 words — that LexisNexis attaches to all future versions of your CLUE report. This doesn’t remove the entry or change the claim details, but it lets you put your side of the story on record for insurers who review your file. Include the CLUE report reference number and the claim number for the entry you’re addressing.
File a complaint with the CFPB. The Consumer Financial Protection Bureau handles complaints about consumer reporting agencies including LexisNexis. File at consumerfinance.gov/complaint. Companies typically respond more urgently to CFPB-forwarded complaints than to direct consumer disputes.
Escalate to your state insurance department. If an erroneous claim is affecting your premium or your ability to get coverage, your state insurance regulator can intervene. Pemberton recommends this route when a dispute reaches an impasse: “The state insurance department will review the case and can help you get the claim removed.” Resubmit your documentation along with the dispute history when you file.
Consider legal action. If LexisNexis or the source insurer fails to correct a clear, verifiable error, that failure may constitute an FCRA violation. Under the FCRA, consumers can sue for actual damages — including higher premiums paid as a result of the error — plus statutory damages of up to $1,000 per violation and attorney’s fees if they prevail.
What “CLUE only” means on a driving record
When you see “CLUE only” on a driving record or insurance report, it means the record contains data solely from the LexisNexis CLUE database — insurance claims history — with no state DMV driving violation data attached. It signals that no motor vehicle violations were found through the state driving record for that driver, but there is insurance claims activity on file through LexisNexis.
This designation comes up most often when an insurer is reviewing a driver who recently moved states, has a thin DMV record, or whose driving history isn’t fully available through standard state sources. It doesn’t indicate that only CLUE data is used to price the policy — insurers almost always use additional rating factors alongside it.
Frequently Asked Questions: CLUE report
How do I get a free copy of my CLUE report?
You can request one free CLUE report per year from LexisNexis Risk Solutions under the Fair Credit Reporting Act. Request online at consumer.risk.lexisnexis.com/request, by phone at 1-866-312-8076, or by mail to LexisNexis Risk Solutions, Consumer Center, P.O. Box 55889, Boston, MA 02205-5889. You’ll need your name, date of birth, address and Social Security Number or driver’s license number for identity verification.
How do I dispute an error on my CLUE report?
Contact LexisNexis through the consumer portal at consumer.risk.lexisnexis.com, call 1-888-497-0011, or submit a written dispute by mail. Identify the specific inaccurate entry, explain why it’s wrong and include copies of supporting documentation — police reports, repair receipts, insurance letters, or claim closure records. LexisNexis must investigate and notify you of the outcome within 30 days under FCRA Section 611(a)(1).
How long do claims stay on a CLUE report?
Insurance claims stay on your CLUE report for seven years from the date of the loss. After that, they drop off automatically and are no longer visible to insurers reviewing your record. While most insurers only actively surcharge claims from the past three to five years, the entry remains visible on the report for the full seven years.
Can a denied or unpaid claim be removed from my CLUE report?
A claim you filed that was subsequently denied or not paid out will generally remain on your CLUE report — filing the claim, not receiving payment, is what creates the record. However, if you believe your insurance company reported the claim in bad faith or made an error in how it was classified, you can dispute it. Simple coverage inquiries — asking your insurer questions without filing a claim — should not appear on your CLUE report at all and if they do, that’s disputable.
What if my insurer refuses to correct a CLUE report error?
If a direct dispute with LexisNexis doesn’t resolve the error, you have three escalation paths: add a personal statement of explanation (up to 100 words) that attaches to all future copies of your report; file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint; or contact your state insurance department. If the error has caused you to pay higher premiums, consulting an FCRA attorney is also an option — legal action can recover actual damages and statutory damages of up to $1,000 per violation.
Resources & Methodology
Sources
- Consumer Financial Protection Bureau. “LexisNexis C.L.U.E. & Telematics OnDemand.” Accessed May 2026.
- LexisNexis Risk Solutions. “LexisNexis® C.L.U.E.® Auto.” Accessed May 2026.
- Washington State Office of the Insurance Commissioners. “CLUE (Comprehensive Loss Underwriting Exchange).” Accessed May 2026.
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