Help Desk FAQ

Homeowner

 

Can I see and correct my CLUE report?

Yes. 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, you can order a CLUE report. Under the federal Fair Credit Reporting Act you can request a copy of your property's CLUE report from LexisNexis Consumer Center P.O. Box 105108, Atlanta, Georgia 30348-5108; 888-497-0011. Online, go to LexisNexis Personal Reports.

If you discover an error on your CLUE report - such as an invalid claim report or an incorrect loss payment, for instance - you can contact LexisNexis directly to report the problem. LexisNexis must contact the insurance company on your behalf and ask for clarification. The 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, LexisNexis must remove the information from the database.

As a consumer, you have the right to add notations to your individual CLUE report. For instance, if a dog bite claim occurs and you get rid of the dog, 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.

 

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