# Insurance Claims History Reports: How to Check and Correct Them > **Summary:** Learn what insurance claims history reports may contain, how to request a copy, and what to do if you find an error. > **Publisher:** InsuraFAQ > **Author:** InsuraFAQ Editorial Team > **Published:** 2026-11-07 > **Canonical URL:** https://insurafaq.com/insurance/insurance-claims-history-reports/ > **Tags:** insurance-basics, claims An insurance claims history report is a record a specialty consumer reporting agency may compile about claims on property and casualty policies, such as auto or homeowners insurance. Insurers may use this information when deciding what coverage to offer or what premium to charge. You can request your report and challenge inaccurate information. Not every insurer uses the same reporting agency, and not every agency has a file on every person. [The Consumer Financial Protection Bureau (CFPB) explains how these reports are used.](https://www.consumerfinance.gov/ask-cfpb/do-auto-and-homeowners-insurance-companies-share-my-information-about-claims-en-1821/) ## What can a report contain? A specialty agency may collect information about claims you made on auto, homeowners, or other property and casualty policies. It may also report driving-record information. The information available depends on the agency and its sources; a report is not necessarily a complete record of every insurer or every claim. A claims history report is different from your policy documents. Keep your own declarations pages, claim correspondence, and settlement records so you can compare them with the information a reporting agency supplies. An insurer may consider other information too, subject to applicable law and its own practices. ## How to find and request your report 1. **Identify the reporting agency.** If an insurer declined coverage based on a consumer report, check the adverse action notice for the agency's name and contact information. If you are shopping or reviewing your records, ask the insurer which agency it uses; an insurer's practice may differ from another's. 2. **Contact the agency directly.** The CFPB's [consumer reporting companies list](https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/) describes specialty reporting companies and how to request reports. Follow the relevant agency's identity-verification instructions and use its official contact details. 3. **Ask about the cost.** Many specialty agencies provide a free report every 12 months; others may charge. An agency must also provide a free copy on request if you received an adverse action notice, according to the CFPB. Check the notice and the agency's instructions for applicable conditions and timing. 4. **Request each report separately.** Agencies do not all hold the same information. A report from one company does not automatically show what another has. Protect your personal information: confirm you are dealing with the reporting agency before submitting identification or other sensitive documents. Retain a copy of your request and the response in a secure place. ## How to review and dispute an error Look for an entry you do not recognize, a claim associated with the wrong person or property, or details that differ from your records. A difference is worth checking, but it does not automatically establish that the report is wrong. Ask the reporting agency how to submit a dispute, identify the specific item and explain why you believe it is inaccurate. Include copies of relevant documents, such as claim correspondence, and keep the originals and a record of what you sent. The CFPB says you can ask for errors in a claims report to be corrected. Its [general guide to disputing reporting errors](https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/) explains identifying the disputed item and keeping copies of supporting records. You can also contact the insurer that supplied the information. Follow the reporting agency's process and review its investigation response; a dispute does not guarantee a change or a lower premium. If you disagree with an insurance decision, ask the insurer to explain the decision and whether corrected information can be considered. Your state insurance department may be able to explain state-specific complaint options. Do not assume that removing an error will change a quote: insurers may consider other permitted factors. ## Frequently asked questions ### Does every claim appear on every report? Not necessarily. Reporting agencies hold different information, and not every agency has information about everyone. Ask the insurer which report it used and request that report directly. ### Can I remove an accurate claim simply because it affects my premium? A dispute is a way to challenge information you believe is inaccurate, not a promise that an accurate entry will be removed. Ask the reporting agency about its practices and applicable rights if you have questions about an entry. ### Is a claims report the same as a credit report? No. A specialty claims report concerns information such as property and casualty claims. Other consumer reports can contain different information. Ask which report an insurer used instead of assuming the source. ## Sources - Consumer Financial Protection Bureau, "Do auto and homeowners insurance companies share my information about claims?" - Consumer Financial Protection Bureau, "Consumer reporting companies" - Consumer Financial Protection Bureau, "How do I dispute an error on my credit report?"