How to check if an agency has wrong insurance history info

If you want to know how to check if a consumer reporting agency has incorrect information about your insurance history, the short answer is: request your reports directly from the specialty consumer reporting agencies that track insurance claims, review them line by line, and dispute errors with the agency that holds the file. This guide walks Colorado borrowers through each step.

Here is the quick version:

• Specialty consumer reporting agencies collect information about claims on your homeowners and auto insurance policies, and may also report on your driving record.
• Insurance companies use these reports to choose the types of policies they offer you and the premiums you pay.
• Many of these agencies give you a free copy of your report every 12 months; others may charge a fee.
• You must request reports individually from each reporting agency — there is no single combined file.
• If an insurer turns you down based on a consumer report, the adverse action notice entitles you to a free copy from the agency named in it.

How can I check if a consumer reporting agency has incorrect information about my insurance history?

Start by requesting your file from the specialty consumer reporting agencies that collect insurance claims data. The Consumer Financial Protection Bureau has put together a list of these agencies along with information on how to obtain copies of your reports.

Just like with the big three consumer reporting agencies — Experian, Equifax, and TransUnion — you can get free copies of your reports every 12 months from many of the specialty agencies. Others may charge a fee for your report.

Keep in mind that not every agency will have a file on everyone. If an agency has nothing on you, that is a normal result, not an error.

Once you have the reports in hand, the next question is who actually needs to do this.

Who should check their insurance history reports

Anyone who plans to shop for homeowners or auto insurance benefits from reviewing these reports first. The Consumer Financial Protection Bureau specifically suggests checking your reports before you shop for insurance, or if you have been denied coverage or offered higher premiums in the past.

That describes a lot of Colorado Springs households. Buying a home means lining up homeowners insurance before closing, and a military PCS move often means setting up new auto and homeowners policies in a new state on a tight timeline.

If an insurer has ever quoted you a surprising premium, incorrect information in a consumer report is one possible reason — and it is one you can actually fix.

So what exactly is in these files? That is the next section.

What specialty consumer reporting agencies collect

Insurance claims history

Specialty consumer reporting agencies collect and report information about the insurance claims you have made on your property and casualty policies, such as your homeowners and auto insurance. Insurers use that claims history when deciding what coverage to offer and what premiums to charge.

Driving records

Some of these agencies may also collect and report on your driving record. That information can feed into auto insurance decisions the same way claims history does.

Knowing what the file contains makes the request process straightforward.

How to request your reports, step by step

Step one: find the right agencies

Use the Consumer Financial Protection Bureau’s published list of specialty consumer reporting agencies. It includes information about how to obtain copies of your reports from each one.

Step two: request each report individually

You have to request the reports individually from each reporting agency. There is no central portal that pulls every insurance-related consumer report at once.

Step three: use your free file disclosure rights

Many specialty agencies provide a free copy of your report every 12 months on request. Other agencies may charge a fee, so check each agency’s process before you submit a request.

There is one more route to a free report, and it matters most when something has already gone wrong.

What an adverse action notice gets you

If an insurance company turns you down for a homeowners insurance policy based on a consumer report, that is an example of an adverse action. The insurer must provide you with an adverse action notice that includes the name and contact information of the consumer reporting agency it used.

A consumer reporting agency, including a specialty agency, must give you a free copy of your consumer report upon request if you have received an adverse action notice.

Use that right. Request the report from the agency identified in the notice and review what it has on file about your insurance history.

Once the report arrives, the real work is reading it carefully.

How to review the report for errors

Read every entry. Confirm that each claim listed is actually yours, that the details match what happened, and that nothing appears that you do not recognize.

Check identifying details too — a wrong address or a file mixed with someone else’s history is the kind of incorrect information that can follow you from insurer to insurer.

Entries you cannot verify, claims you never filed, or records that look like identity theft are all worth flagging. Found something wrong? Here is what to do about it.

How to dispute errors you find

You can ask for corrections of any errors in the report. Contact the consumer reporting agency that produced the file and identify the specific disputed information.

The Consumer Financial Protection Bureau publishes guidance on how to dispute an error on a credit report, and the same habit applies to specialty reports: dispute errors directly with the reporting agency, in writing where possible, and keep copies of what you send.

If you believe a company has mishandled your information, you can also submit a complaint to the Consumer Financial Protection Bureau online or by phone.

For Colorado home buyers, there is a practical reason to do all this before you go under contract.

Why this matters when you buy a home in Colorado

Homeowners insurance is part of the cost of owning a home, and insurers set premiums partly based on what consumer reports say about your claims history. Incorrect information in those reports can affect the coverage options and premiums you are quoted.

Checking and correcting your reports before you shop for a policy means the quotes you receive reflect your actual history — useful whether you are buying near Fort Carson, Peterson, or anywhere along the Front Range.

Your next step

Pull the Consumer Financial Protection Bureau’s list of specialty consumer reporting agencies, request your reports, and review them before you shop for insurance. If you find errors, dispute them with the reporting agency right away.

And if you are gearing up for a home purchase in Colorado Springs, talk with a 719 Lending loan officer about how homeowners insurance fits into your overall monthly payment picture so there are no surprises at closing.

Frequently asked questions

Do insurance companies share information about my claims?

Yes. Specialty consumer reporting agencies collect and report information about claims made on property and casualty policies, such as homeowners and auto insurance, and may also report on your driving record. Insurers use these reports to choose the policies they offer and the premiums they charge.

How do I get a free copy of my insurance history report?

Many specialty consumer reporting agencies provide a free copy of your report every 12 months on request; others may charge a fee. The Consumer Financial Protection Bureau publishes a list of these agencies with instructions for requesting each report individually.

What is an adverse action notice from an insurance company?

If an insurer turns you down for a policy based on a consumer report, it must send you an adverse action notice naming the consumer reporting agency it used, with that agency’s contact information. You then have the right to request a free copy of your report from that agency.

How do I dispute incorrect information in my insurance history?

Review the report from the consumer reporting agency, identify the specific errors, and ask that agency for corrections — in writing where possible, keeping copies. You can also submit a complaint to the Consumer Financial Protection Bureau online or by phone.

Will every specialty consumer reporting agency have a file on me?

No. Not every agency has information on everyone. If an agency reports that it has no file on you, that is a normal result. You still have to request reports individually from each agency to find out which ones hold information about your insurance history.

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Last updated: October 2026