LEXISNEXIS/INS/P&C may appear on your credit report after an insurance company reviews information about you for an auto, homeowners, renters, or another property and casualty policy.
This entry is usually a soft inquiry, not a hard inquiry. A soft inquiry does not lower your credit score and is not shown to lenders that request your credit report. You may still dispute the entry when you do not recognize the insurance company, the date is wrong, or the inquiry lacks a valid reason.
What Is LEXISNEXIS/INS/P&C on Your Credit Report?
LEXISNEXIS refers to LexisNexis Risk Solutions. INS/P&C generally points to property and casualty insurance.
Insurance companies may use consumer report information when they quote, price, or underwrite a policy. LexisNexis Risk Solutions provides data and reports that insurers can review. The entry may appear after you request auto insurance, homeowners insurance, renters insurance, or another policy.
The insurer may appear under the LexisNexis name because LexisNexis supplied the information or processed the request. The entry does not mean that you applied for a credit card or loan.
Is LEXISNEXIS/INS/P&C a Hard Inquiry?
Insurance inquiries are generally soft inquiries. The Consumer Financial Protection Bureau states that reviews by insurance companies are soft inquiries. Soft inquiries do not affect your credit score and are visible only to you when you check your own credit report.
The original draft’s claim that LEXISNEXIS/INS/P&C is usually a hard inquiry is likely incorrect. The entry may sit in a section labeled soft inquiries, account review inquiries, or inquiries shown only to you.
Check the heading above the entry on your credit report. Contact the credit bureau when the credit report classifies it as a hard inquiry and you believe the classification is wrong.
Why LEXISNEXIS/INS/P&C May Appear
The entry often connects to an insurance quote, application, renewal, or policy review.
Common causes include:
- Auto insurance quote: An insurer reviewed your information before it gave you a price.
- Homeowners insurance application: A carrier checked consumer data before it offered coverage.
- Renters insurance request: An insurer reviewed your file for a new policy.
- Policy renewal: Your current insurer completed an account review.
- Household change: An insurer checked information after you added a driver, vehicle, property, or household member.
- Reporting error: The inquiry belongs to another person or lists the wrong date.
- Unauthorized access: A company obtained your information without a valid insurance purpose.
An unfamiliar entry does not always mean identity theft. You may remember the insurance company but not LexisNexis. Another household member may also have requested a quote that included you.
Insurance companies are among the businesses that may request consumer report information for a permitted purpose under the Fair Credit Reporting Act.
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Can You Remove LEXISNEXIS/INS/P&C From Your Credit Report?
You may be able to remove or correct the entry when it is inaccurate, duplicated, tied to the wrong person, or unsupported by a valid insurance purpose.
You usually do not need to remove an accurate soft inquiry. It does not affect your credit score, and lenders cannot see it on the credit report they receive.
Removal may make sense when:
- No insurance request: You did not request an insurance quote or policy.
- No household connection: No one in your household included you in an insurance application.
- Wrong date: The listed inquiry date is incorrect.
- Duplicate entry: The same inquiry appears more than once without a clear reason.
- Wrong consumer: The inquiry belongs to someone else.
- No clear purpose: The insurer cannot explain why it accessed your information.
- Wrong classification: The credit bureau lists the entry as a hard inquiry by mistake.
A dispute should identify the exact problem. A general request to remove all LexisNexis information is less likely to resolve the issue.
How to Identify the Insurance Company
Start with the credit report that shows LEXISNEXIS/INS/P&C. Record the inquiry date, credit bureau, and any contact details.
Review your insurance activity from the same period. Check emails, quote confirmations, policy documents, renewal notices, and calls with agents.
Ask household members whether they requested a quote that included your name, vehicle, or address.
Contact LexisNexis Risk Solutions when you still cannot identify the request. Ask which insurer requested the information, when the request occurred, and what type of report was supplied.
Request Your LexisNexis Consumer Disclosure Report
A LexisNexis Consumer Disclosure Report can provide more detail about the information in your LexisNexis file.
LexisNexis Risk Solutions allows consumers to request a Consumer Disclosure Report online, by phone, or by mail. The report can help you identify the company that requested your information and check other insurance data.
LexisNexis also maintains insurance claim information through its C.L.U.E. products. C.L.U.E. Auto can contain up to seven years of personal auto claim information.
Review the disclosure for:
- Unknown inquiries: Look for insurance requests you do not recognize.
- Incorrect identity data: Check names and addresses.
- Wrong assets: Find vehicles or properties that are not yours.
- Unknown claims: Check for claims you never filed.
- Incorrect claim details: Review claim dates and payment amounts.
- Duplicate records: Look for the same event more than once.
An error in a LexisNexis insurance report can affect an insurance quote or underwriting decision even though the soft inquiry does not affect your credit score.
How to Dispute the Entry With LexisNexis
Contact LexisNexis Risk Solutions when you cannot identify the insurer or find incorrect information in your Consumer Disclosure Report.
Explain which item you dispute and why. Include the inquiry date, insurer name when known, and the report section that contains the entry.
Send documents that support your position. These may include insurance policies, quote emails, vehicle registrations, property records, claim letters, and proof of your address.
Ask LexisNexis to identify the source of the information and complete a reinvestigation. LexisNexis states that its dispute process includes contact with the data source and a written notice of the results.
Keep copies of every document and note your case number. Do not send original records.
How to Dispute the Entry With a Credit Bureau
Contact the credit bureau when LEXISNEXIS/INS/P&C appears incorrectly on your Equifax, Experian, or TransUnion credit report.
Submit a dispute only to the credit bureau or credit bureaus that show the entry. Include:
- Personal information: Follow the credit bureau’s identity requirements.
- Credit report copy: Mark the LEXISNEXIS/INS/P&C entry.
- Inquiry date: Copy the date exactly as reported.
- Specific error: Explain why the inquiry is incorrect or unauthorized.
- Supporting records: Add letters from LexisNexis or the insurer.
- Requested action: Ask the credit bureau to correct or remove the entry.
Tell the credit bureau when the entry appears as a hard inquiry but came from an insurance review. Ask it to verify the inquiry classification.
The Federal Trade Commission advises consumers to dispute inaccurate information with both the credit bureau and the company that supplied the information.
What to Do After an Insurance Denial or Higher Rate
An insurer may send an adverse action notice when consumer report information contributes to a denial, a higher premium, or another less favorable decision.
The notice should identify the consumer reporting company and explain how to request the information used. Federal law requires notice when a business takes adverse action based on a consumer report.
Do not focus only on the inquiry. The problem may be an incorrect claim, vehicle, address, driver, or property record inside your LexisNexis file.
Request the full disclosure and dispute each inaccurate item. A correction to the underlying insurance data may matter more than removal of the soft inquiry.
Does LEXISNEXIS/INS/P&C Affect Your Credit Score?
LEXISNEXIS/INS/P&C should not lower your credit score when it is an insurance-related soft inquiry. Soft inquiries do not affect credit scores.
Insurance companies may use credit-based insurance information in states where the practice is allowed, but that does not turn the insurer’s inquiry into a hard inquiry.
The insurance decision and your credit score are separate issues. An insurer may consider consumer report data for pricing, while the inquiry itself has no effect on your credit score.
How Long Does LEXISNEXIS/INS/P&C Stay on Your Credit Report?
A soft inquiry may remain visible on the copy of your credit report that you can see for a period set by the credit bureau. It is not visible to lenders that request your credit report.
You do not need to wait two years for your credit score to recover because an insurance soft inquiry does not lower your credit score.
Dispute the entry when it is inaccurate or unsupported. Leave it alone when it is accurate and tied to insurance activity you recognize.
LexisNexis Contact Information
LexisNexis Risk Solutions Consumer Center currently lists:
Phone: 866-897-8126
Mailing Address:
LexisNexis Risk Solutions Consumer Center
P.O. Box 105108
Atlanta, GA 30348-5108
These are the current consumer support details for questions and disputes about LexisNexis Risk Solutions files.
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Bottom Line
LEXISNEXIS/INS/P&C usually reflects an insurance-related soft inquiry. It may follow an auto, homeowners, renters, or another property and casualty insurance quote, application, renewal, or account review.
An accurate entry does not lower your credit score and usually does not need removal. Contact LexisNexis when you do not recognize the insurer or find incorrect information. Request your Consumer Disclosure Report, dispute errors with LexisNexis, and contact the credit bureau when the inquiry is inaccurate or classified incorrectly.
Rachel Myers is a personal finance writer who believes financial freedom should be practical, not overwhelming. She shares real-life tips on budgeting, credit, debt, and saving, without the jargon. With a background in financial coaching and a passion for helping people get ahead, Rachel makes money management feel doable, no matter where you’re starting from.