Disney's 'Frozen' -- Sued For $250 MILLION -- They Stole My Life Story

You might have thought Walt Disney's "Frozen" was about an ice princess and a talking snowman ... but it's actually one woman's true-life story -- or so she's claiming in a new $250 MILLION lawsuit.

Isabella Tanikumi claims the movie is NOT based on the Hans Christian Andersen fairy tale, "The Snow Queen" ... but rather her 2010 autobiography -- about growing up in the Andean mountains of Peru.

Tanikumi claims Disney plagiarized and copied the story, characters, and plots from her book ... and turned it into "Frozen" -- the highest grossing animated flick of all time.

We took a quick look at her book ... nope, didn't see a talking snowman.