How do I dispute my CLUE contents?

Seeking Advice
1

I’ve been getting royally shafted by my insurance for the last four years over a not at fault wreck. I normally just end up buying a new policy with the same coverage to cut the renewal down.

Well when I tried to do that this renewal, the price shot up almost $300 from the quote to the finalized price. I called the insurance company and they told me it was something in the vehicle history causing it. Well I’m the first non dealership owner, bought it at 24 miles, and I’ve owned it less than five months.

So I paid for a Carfax and an Experian Auto Check so I could see what this mystery vehicle history event was. The only thing there was the dealer telling the state the car was delivered to them, then 9 days later the dealer reporting the sale to the state, and then the oil change/tire rotation that I got three weeks ago.

So I requested a copy of my LexisNexis report. I’m looking at it and I see where they’ve put a claim my father had, in his vehicle, on his completely separate insurance policy that I am not on in any form, onto my CLUE. The claim was two months after I renewed last, and my prices didn’t change from the quote to the finalized price then like it did this time. So I’m confident that’s what the insurance company saw when they jacked up the price. It’s also showing several claims my parents had on their insurance over the last six years that I was not involved in, nor was my insurance.

So how do I go about disputing this information to get it removed?

2

Their dispute process is listed on their website. File a dispute then provide the proof they request

https://consumer.risk.lexisnexis.com/contact

3

Mark said:
Their dispute process is listed on their website. File a dispute then provide the proof they request

https://consumer.risk.lexisnexis.com/contact

Can it be done via that phone number or only via the address listed there?

4

@Barbara
You can call and open a dispute. They may require you to send documentation.

Make sure you get a dispute number so if you have to email them you’ll make it easier for them.

Good luck resolving this!

5

hensonbull said:
@Barbara
You can call and open a dispute. They may require you to send documentation.

Make sure you get a dispute number so if you have to email them you’ll make it easier for them.

Good luck resolving this!

Thank you. I kept reading and saw a citation that was dismissed is still reported as a conviction. So I have to really pour over this dang thing apparently.

6

hensonbull said:
@Barbara
You can call and open a dispute. They may require you to send documentation.

Make sure you get a dispute number so if you have to email them you’ll make it easier for them.

Good luck resolving this!

Accuracy of your CLUE report is as important as your credit reports.

Dispute everything that appears to be incorrect. Your insurance company will be required to provide proof for each item in question.

You may also consider ordering your driving record from your local department of motor vehicles just to be sure that everything’s cool there as well.

Good luck!

7

I had to dispute my CLUE report for similar reasons. My parents had temporarily stayed with me (~6 months), and unbeknownst to me, our insurance agent combined our policies to provide additional discounts. When they moved out, our policies were never dissociated, and their claims followed me around for 2 years before I caught it. I had to get a letter from my agent admitting he never dissociated our policies and confirmed we were in separate households. It was a hassle and took months to straighten out, but it is possible.