The Fair and Accurate Credit Transactions Act (FACT Act) was enacted in 2003 and amends the Fair Credit Reporting Act (FCRA), a federal law that regulates who is permitted to access your consumer report information and how it can be used.
The FACT Act entitles consumers to obtain one free copy of their file from certain consumer reporting agencies during each 12-month period. One of the consumer reporting agencies that must give you a free report is C.L.U.E. Inc., which maintains information on all of your insurance claims. If your claims history is inaccurate, this will certainly lead to higher premiums, and may lead to other consequences as well, including cancellation of your policy.
In order to view a seven year history of all of your auto and personal property insurance claims, visit this website: https://personalreports.lexisnexis.com/
You will then click on "Insurance Report." Order both your personal property and auto reports and then set up a free username and password. Within minutes you'll be able to tell if your claims history is accurate. If it is not, there are instructions on the website for disputing the inaccuracies.
Please note that you can also obtain free copies of your employment history and resident history by calling 1-866-312-8075.