Inquiries are most often mistaken as claims and may be used by companies against the customers. This is because most of the time, insurance carriers submit information to CLUE when they call simply for an inquiry. To combat this, some states have taken measures to restrict the information found in these databases. Others have laws that regulate the consideration of inquiries as claims.

Data in the databases, both CLUE and A-PLUS, is retained for 5 years. So long as they comply with the Fair and Accurate Credit Transitions Act, states can pass legislation requiring information to be kept for a longer period of time.