Budgeting Debt Investing Make Money Real Estate Side Gigs Smart Money

How to Dispute Your C.L.U.E. Report

By jeanclaudebmoc / October 16, 2019

C.L.U.E. report LexisNexis dispute with magnifying glass

After we recently told you about what your C.L.U.E. report is and how you can check yours for free, we received several questions about how to file a dispute with LexisNexis to challenge the information on your report.

Fortunately, the process is very easy. In this article, we’ll cover what info you’ll need to pull together before filing a LexisNexis dispute and share a template form letter you can use in the process.

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.

Table of Contents

How Does the Dispute Process Work?

There are actually two routes you can take when disputing info in your C.L.U.E. report.

  1. Explanation
  2. Dispute

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.

What is the Contact Info for LexisNexis?

LexisNexis can be reached one of three ways:

  1. Physical address: Write to the company at LexisNexis Consumer Center, ATTN: FACT Act Dispute Request, P.O. Box 105295, Atlanta, GA, 30348-5295
  2. Phone: 888-497-0011 from 8 a.m. to 7 p.m. ET
  3. Email: consumer.documents@LexisNexis.com

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

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

Date: __________________________

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.

Yours truly,

[Insert your name]

Final Thought

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.

More Insurance Stories on Clark.com:

The post How to Dispute Your C.L.U.E. Report appeared first on Clark Howard.

About Author

jeanclaudebmoc

See author's posts

You may also like