LexisNexis Risk Solutions and Your Consumer File

LexisNexis Risk Solutions is a specialty consumer reporting agency operated by RELX Inc., a global data and analytics company. Unlike Equifax, Experian, or TransUnion, it does not primarily track loan and credit card payment behavior. Instead, it aggregates insurance claims records, property data, public records, court filings, eviction history, and address data — information that flows into reports used by property and casualty insurers, employers, landlords, and some lenders. Consumers are often unaware these reports exist until a decision has already been made against them. Because LexisNexis supplies information used to determine a person’s eligibility for insurance, housing, and employment, each of those reports is a “consumer report” under 15 U.S.C. § 1681a(d), and LexisNexis is bound by every obligation the FCRA imposes on consumer reporting agencies.

What LexisNexis Tracks

The flagship consumer product is the CLUE report — Comprehensive Loss Underwriting Exchange. It comes in two forms:

• CLUE Auto: Up to seven years of personal auto insurance claims, including claim dates, amounts paid, and the type of loss involved. Insurers use this when underwriting a new policy or renewing an existing one.
• CLUE Property: Up to seven years of homeowner and renter insurance claims tied either to you as a policyholder or to a specific property address.

Beyond CLUE, LexisNexis compiles broader consumer data products used in tenant screening, employment background checks, and fraud detection. These draw on court records, bankruptcy filings, prior addresses, professional license data, and information sourced from state and local government databases. A single consumer can have multiple distinct files at LexisNexis depending on which industries have requested reports about them. Knowing what the file contains is the necessary first step before any dispute.

Obtaining Your Consumer Disclosure

Under 15 U.S.C. § 1681g, every CRA must disclose the full contents of your file upon request. Under 15 U.S.C. § 1681j, you are entitled to one free disclosure per report type every 12 months. LexisNexis maintains a consumer center on its website where you can request your CLUE auto report, your CLUE property report, and any other full-file disclosures it holds on you. Request all of them — data that seems unrelated to your current situation can surface in a different context later.

When your file arrives, compare it against what you know to be true. Common errors include:

• Insurance claims listed under your name that actually belong to a prior property owner
• Incorrect claim amounts, dates, or loss descriptions
• Fraudulent claims opened in your name
• Duplicate entries for a single incident
• Court records that are outdated, expunged, or belong to someone with a similar name or date of birth

Any inaccuracy that could affect an insurance quote, a rental application, or a hiring decision is worth disputing in writing.

Disputing an Error Under 15 U.S.C. § 1681i

The dispute process is governed by 15 U.S.C. § 1681i. Once LexisNexis receives a written dispute, it must conduct a reinvestigation within 30 days — extended to 45 days if you submit additional documents during that window. During that period, it must forward your dispute and all supporting information to the furnisher (the insurer or other entity that originally supplied the data). The furnisher must then investigate and report back.

At the close of the reinvestigation, LexisNexis must:

1. Delete or correct any item it cannot verify as accurate and complete.
2. Notify you of the outcome in writing, including a statement of your right to add a dispute statement if the item is not removed.
3. Provide you with a revised copy of your file if any changes were made.
4. At your request, send a corrected report to any employer who received the inaccurate file in the prior two years, or to any other recipient in the prior year.

Submit your dispute in writing, not by phone. Include your full name, current address, date of birth, and the specific entry you are contesting. Attach copies — not originals — of any documents that directly contradict the wrong information: a claims summary from your insurer, a court order, a police report, or whatever applies. Keep copies of everything you send and document the date of submission. For a detailed walkthrough of how the reinvestigation process works under federal law, see the guide on your rights under the FCRA.

When the Reinvestigation Comes Back “Verified”

A verified result does not mean the item is accurate. It often means only that the furnisher — the insurer or data source — confirmed what it originally reported. If the furnisher’s own records are wrong, or if LexisNexis failed to forward your supporting documents to the furnisher, the item gets re-verified even though it is factually false.

When that happens, two paths remain open.

Statement of dispute. Under 15 U.S.C. § 1681i(b), you can add up to 100 words to your file explaining why you believe the item is inaccurate. LexisNexis must include that statement in any future reports containing the disputed entry. It is a limited remedy but it creates a formal record and ensures future recipients see your account of the facts.

Legal action. The FCRA is an enforcement statute with private right of action. Under 15 U.S.C. § 1681n, a willful violation allows recovery of actual damages or statutory damages between $100 and $1,000 per violation, plus punitive damages and attorney fees. Negligent violations are covered by 15 U.S.C. § 1681o, which allows recovery of actual damages and attorney fees. Because the Act shifts fees to the defendant in successful cases, many FCRA attorneys handle these matters on contingency.

Reinsertion of Previously Deleted Information

Sometimes an item deleted through the dispute process reappears in a later report. The FCRA strictly governs when this is permitted. Under 15 U.S.C. § 1681i(a)(5)(B), LexisNexis may only reinsert previously deleted information if the furnisher certifies in writing that the information is complete and accurate. Following reinsertion, LexisNexis must notify you within five business days — by mail, or electronically if you have consented to electronic notice.

Reinsertion without written furnisher certification, or without timely notice to you, is a standalone violation of the Act. If deleted information has come back without any notification from LexisNexis, document the timeline with screenshots or dated report copies and bring that record to an attorney.

Adverse Action Notices and LexisNexis Reports

When a company uses a LexisNexis report to take an adverse action against you — denying a homeowner’s insurance application, quoting a significantly higher premium, rejecting a rental application — the FCRA requires it to tell you. Under 15 U.S.C. § 1681m, the company must provide:

• The name, address, and telephone number of the CRA that furnished the report
• A statement that the CRA did not make the adverse decision and cannot explain why it was made
• Notice of your right to obtain a free copy of the report within 60 days
• Notice of your right to dispute inaccurate information directly with the CRA

If a company denied you coverage or housing using a LexisNexis report but provided none of that information, it may have committed a separate FCRA violation — independent of any error LexisNexis itself made. Both claims can exist at the same time and can be pursued together.