A C.L.U.E. report is a record of your past home and personal property insurance claims, kept by LexisNexis Risk Solutions, that insurers check when you apply for renters or homeowners insurance. It lists up to seven years of claims, including the date, type of loss and amount paid, and you can get a free copy once every 12 months and dispute anything that’s wrong.
Key takeaways
- C.L.U.E. stands for Comprehensive Loss Underwriting Exchange, a claims-history database run by LexisNexis Risk Solutions, which the Consumer Financial Protection Bureau (CFPB) lists as a consumer reporting company (2025).
- A C.L.U.E. property report shows up to seven years of home and personal property claims, according to the CFPB (2025).
- Insurers mainly use a C.L.U.E. report when you apply for a new renters or homeowners policy, to decide whether to offer coverage and at what price (Connecticut Insurance Department, Washington OIC).
- Under the Fair Credit Reporting Act, you can get your C.L.U.E. report free once every 12 months and dispute errors; LexisNexis generally has 30 days to investigate (15 U.S.C. §1681j and §1681i).
- A C.L.U.E. report is not a credit report: it doesn’t include your credit history, criminal records or lawsuits (Connecticut Insurance Department; Utah Insurance Department).
What does C.L.U.E. stand for?
C.L.U.E. stands for Comprehensive Loss Underwriting Exchange. It is a shared database that insurers contribute claims to and look up claims in, run by LexisNexis Risk Solutions. Because it supplies reports that affect whether you get insurance and what you pay, the CFPB treats it as a consumer reporting company, which gives you the same kinds of rights you have with credit bureaus.
There are two versions: a C.L.U.E. Auto report for car insurance claims and a C.L.U.E. Property report for home and personal property claims. The property report is the one that matters for renters insurance.
What is on a C.L.U.E. property report?
A C.L.U.E. property report lists your claims and the policies they were filed under. State regulators describe it as containing:
| Section | What it shows |
|---|---|
| Your details | Name, date of birth and policy number |
| Each claim | Date of loss, type of loss (for example theft or water damage) and the amount the insurer paid |
| The property | A description of the insured property and, for homeowner claims, the property address |
| Not included | Credit reports, criminal records, civil lawsuits and judgments |
LexisNexis describes the property report as covering personal property claims, which is the coverage at the heart of a renters policy. Regulators’ pages don’t single out renters (HO-4) policies by name, so if you want to know exactly what an insurer reported about a renters claim, the simplest step is to order your own report.
How long does a claim stay on a C.L.U.E. report?
A claim stays on a C.L.U.E. report for up to seven years, according to the CFPB and several state insurance departments, including Texas, Wisconsin and Connecticut. How long an insurer actually lets a past claim affect your price is a separate question that varies by company; our guide to whether renters insurance goes up after a claim covers that.
Does asking my insurer a question show up on C.L.U.E.?
A question about your coverage generally should not show up as a claim. The Connecticut and Utah insurance departments say C.L.U.E. has told insurers not to report inquiries about possible coverage, and Washington’s and Tennessee’s regulators say LexisNexis advises insurers not to report a call that only asks about coverage or your deductible.
The catch is how the call is handled. Utah’s insurance department warns that reporting a loss can be recorded as a claim even if nothing is paid, and a claim that was filed and then denied may still be reported. When you call, say clearly whether you are filing a claim or only asking a question. Some states go further: Minnesota law, for example, bars homeowners insurers from adding a surcharge or removing a claim-free discount solely because of an inquiry that didn’t lead to a paid claim (Minn. Stat. §65A.285).
How do insurers use a C.L.U.E. report?
Insurers use a C.L.U.E. report mainly to underwrite and price new policies. When you apply or ask for a quote, the insurer can pull your report to decide whether to offer coverage and how much to charge. Washington’s insurance commissioner explains that insurer studies show a link between past claims and future claims. The Connecticut Insurance Department says the reports are used almost entirely for new policies and that most insurers don’t check them at renewal.
That’s why claim decisions matter even on a small renters policy. A minor claim that barely exceeds your deductible can still sit on your record for years and follow you to your next insurer and your next apartment.
How do I get my free C.L.U.E. report?
You can get your C.L.U.E. report free once every 12 months under the Fair Credit Reporting Act. The CFPB lists these ways to request it:
- Online at consumer.risk.lexisnexis.com
- By phone at 1-866-897-8126
- By mail to LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108
Federal law requires nationwide specialty reporting companies like this one to provide a toll-free number and send your report within 15 days of your request (15 U.S.C. §1681j). Checking your own report does not affect your insurance or your credit.
How do I fix a mistake on my C.L.U.E. report?
You can dispute any error directly with LexisNexis. Under the Fair Credit Reporting Act, a consumer reporting company must investigate a dispute for free, generally within 30 days, and remove or correct information it can’t verify (15 U.S.C. §1681i). Regulators suggest these steps:
- Order your report and mark each claim you believe is wrong: a claim that isn’t yours, the wrong amount, or a call that was recorded as a claim.
- File the dispute with LexisNexis online, by phone or by mail, and keep copies of what you send.
- You can also dispute directly with the insurer that reported the claim, which the CFPB notes is an option.
- If the dispute doesn’t resolve it, you can add a brief statement of your side to future reports (15 U.S.C. §1681i(b)).
Are there other claims databases besides C.L.U.E.?
Yes. Verisk runs A-PLUS Property, another consumer reporting company that collects home and personal property claims history, according to the CFPB. You can also get a free A-PLUS report every 12 months at fcra.verisk.com or by calling 800-627-3487. If you’re shopping for a new policy after a past claim, checking both reports gives you the fullest picture of what insurers may see.
Can someone else’s claims affect my renters insurance?
A property’s past claims can be part of underwriting, but a property report can be requested only by the property’s owner, so as a renter you can’t pull your building’s report. Your own C.L.U.E. report follows you as a person, which is the one to check before you shop for renters insurance.
Sources
- Consumer Financial Protection Bureau, LexisNexis C.L.U.E. (Auto & Property Reports) (2025)
- Connecticut Insurance Department, What is C.L.U.E.? (2026)
- Washington Office of the Insurance Commissioner, CLUE reports (2026)
- Utah Insurance Department, C.L.U.E. (2026)
- Cornell Law School LII, 15 U.S.C. §1681i (Fair Credit Reporting Act: disputes) (current)
- Minnesota Legislature, Minn. Stat. §65A.285, Surcharge prohibition (current)
- Consumer Financial Protection Bureau, A-PLUS Property (by Verisk) (2023)
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This site offers general information, not insurance or legal advice. Coverage, prices and rules vary by insurer, policy and state, so always read your own policy and ask your insurer or agent about your situation.