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

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A C.L.U.E. report shows claims you’ve filed for your property and vehicles for up to seven years back. Insurance companies often treat this report somewhat like a credit score, using your claims history to help decide if they’ll insure you and if so, how much they’ll charge.

But what if your C.L.U.E. report has inaccurate information? Even though it’s not your fault, incorrect reports can negatively impact how insurers see you. I’ve written about how to get a copy of your C.L.U.E. report here, and in this article, I’ll cover how to dispute your C.L.U.E. report.

How Do I Dispute My C.L.U.E. Report?

Your C.L.U.E. report is generated by LexisNexis, a research firm that collects and maintains claims data submitted by insurance companies. If you notice any incorrect information in your claims history, LexisNexis has a simple process in place for you to report the errors.

There are two types of requests you can submit for your claims history: a dispute or statement of explanation.

If you’re looking to correct information, you’ll want to submit a dispute. But if you’re just looking to add notes or important details to your claims history, submit a statement of explanation.

Disputing Claims Info on Your C.L.U.E. Report

Let’s say you notice a payout amount is listed incorrectly, or maybe you see a totally invalid claim. To dispute claim’s information, contact LexisNexis and start a formal dispute. As part of your dispute, you’ll provide basic identifying information such as your name and address. You should also be ready to provide:

  • C.L.U.E. report reference number
  • Name of insurance company associated with the claim you’re disputing
  • Claim number for the claim/claim data you’re disputing
  • Explanation of the facts you’re disputing/correcting
  • Supporting evidence proving your position

After you submit a dispute — and if an investigation supports the information you’re disputing — your C.L.U.E. report will be updated to reflect removal or correction of any errors.

Adding Notes to Claims on Your C.LU.E. Report

Your C.L.U.E. report is generated based on information that insurance companies provide to LexisNexis. This information includes claims details such as the date of the loss, the type of loss and any amounts paid towards the loss.

But while insurance companies aren’t allowed to add notes about a claim, consumers can. If you have relevant information that you believe is important to your claims history, you can submit a statement of explanation to LexisNexis for your C.L.U.E. report.

Liability claims are great examples of when you might want to submit a statement of explanation. Let’s say a homeowner’s C.L.U.E. report shows a liability claim resulting from a dog bite. If the homeowner no longer has the dog, they might want to note this on their C.L.U.E. report.


If you submit an explanation for a claim on your record, your explanation will appear on all future reports — but it won’t remove the claim or change any of the claim details on your record. That’s the key difference between an explanation and dispute.

What Is the Contact Info for LexisNexis?

You can contact LexisNexis via phone, email or standard mail. Here is the contact information:

Mailing Address
Phone Number
Email Address
LexisNexis Consumer Center
ATTN: FACT Act Dispute Request
P.O. Box 105295
Atlanta, GA, 30348-5295
Monday – Friday
8AM – 7PM ET
[email protected]

How Long Does the Dispute Process Take?

Once you start a formal dispute, LexisNexis will begin investigating any errors you’ve reported. LexisNexis will contact the insurance company involved in the claim, ask questions and obtain any supporting documentation as needed to get the most accurate claim details.

From start to finish, the investigation will be completed within 30 days. If your C.L.U.E. report is found to have incorrect or incomplete information, data will be removed or updated as needed. But if the investigation does not support what you’re disputing, your C.L.U.E. report will remain unchanged.

According to LexisNexis, you can expect to receive a mailed explanation of the dispute results, which may include:

  • “Notice of the data being verified as accurate,
  • notice of data correction, or
  • notice of data being removed.”

C.L.U.E. Report Dispute Letter Template

Before you contact LexisNexis, decide whether a formal dispute or statement of explanation is more appropriate for your desired outcome.

If you just need to add a note to an existing (and accurate) claim, prepare a statement of explanation in 100 words or less. Your statement should include any relevant notes that you’d like to be visible on future versions of your C.L.U.E. report. Be sure to also include a C.L.U.E. report reference number, the name of insurance company associated with the claim, and the claim number for the claim you’re adding notes to.

If you have information that needs to be corrected or removed from your C.L.U.E. report, check out the template below as a guide to getting started.

Sample C.L.U.E. Report Dispute Letter

LexisNexis Consumer Center
ATTN: FACT Act Dispute Request
P.O. Box 105295
Atlanta, GA, 30348-5295

Date: (insert date here)

To Whom It May Concern:

I am writing to dispute information on my C.L.U.E. (insert “Auto” or “Personal Property”) Report. My C.L.U.E. report reference number is (insert reference number here).

Here is the claim number and insurance company associated with the loss I wish to dispute:

Claim number: (insert claim number here)
Insurance company: (insert insurance company here)

Here are the facts as I know them:
(outline any facts you’re disputing here)
Example: The payout for this claim currently shows $15,000, but the payout was actually only $1,500.

[Optional; include if you’re sending documents] I have included the following supporting documents along with this dispute:
(list any documents you’re sending along with your dispute letter)
Example: Bank statement or photo copy of the check sent by the insurance company.

[Optional; include if you want to add notes to your C.L.U.E. report] Additionally, I would like to add the following notes on all future versions of my C.L.U.E. report:
(outline any details you would like included about this claim)
Example: Homeowner no longer has the dog responsible for the bite in this claim, nor any other pets.

Thank you for your attention to this matter.


(insert your name here)
(insert your contact information here)

You can also use this template as a sort of script for guidance if you’d rather call about your dispute instead.

Final Thoughts

The process for disputing your C.L.U.E. report is pretty simple. And if you notice any errors, LexisNexis commits to resolving them quite quickly. For changes to inaccurate or incomplete information on your C.L.U.E. report, start a formal dispute. To add notes to your claims, submit an explanation.


LexisNexis will contact you with the results of any investigation and they’ll also send a description of the procedures they used to determine the accuracy and completeness of your dispute. You also 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.

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