Why You Should Request Your LexisNexis Consumer Report

It’s essential to obtain a copy of your LexisNexis report to verify its accuracy, as it can impact significant decisions such as insurance, loans, and employment. For some SmartDispute.ai members, gaining access to and understanding their LexisNexis report is a key step in verifying and validating certain Public Records, such as Bankruptcy.

This report contains a wide range of information beyond a standard credit report, including public records, insurance claims history (C.L.U.E. reports), and professional licenses. Reviewing it helps you find and correct potential errors that could negatively impact your credit, eligibility, or rates.

Why You Should Get a Copy of Your Report

• Correct inaccuracies: Errors on the report can lead to incorrect decisions by companies, creditors, or credit bureaus, affecting things like your credit report and score, insurance premiums, or the ability to get a loan. Reviewing it allows you to identify and dispute any inconsistent or negative information.
• Monitor your personal information: LexisNexis gathers information from various sources, including public records, which can provide a comprehensive view of your background. A copy helps you see what information is maintained about you.
• Understand its impact: The report can be used by insurance companies for underwriting and pricing, by employers for background checks, and by other organizations for eligibility decisions.
• Identify potential identity theft: Your report may contain outdated or fraudulent addresses and other details, which can be used to identify and correct issues related to identity theft.

What to Look for in Your Report

• Public records: Verify the accuracy of data on items such as property transactions, judgments, and professional licenses.
• Insurance history: Review your C.L.U.E. report for any errors in your claims history, which can affect your auto or homeowner’s insurance premiums and availability.
• Addresses: Verify that all addresses are correct, especially if you have a history of moving or have been a victim of identity theft.
• Other information: The report may contain a variety of additional data points used by companies, so it is essential to verify accuracy throughout the entire document.

How to Request a Copy of Your LexisNexis Consumer Report

You can get a free copy of your consumer report from LexisNexis online, by phone, or by mail. Under the Fair Credit Reporting Act (FCRA), you are entitled to one free report every 12 months. It is important to understand:

• Identity verification is required for all methods.
• The report will not be immediately available for online download after the initial request is made. You must wait for the letter to be mailed to you.

Requesting Online

To request your report online, follow these steps:

1. Go to the LexisNexis Risk Solutions Consumer Disclosure website: consumer.risk.lexisnexis.com/request.
2. Fill out the Online Request Form with your personal information, including your full name, address, date of birth, and either your Social Security number or driver’s license number.
   1. On the consumer request form, you are given the opportunity to check 3 important boxes. The first is “My Delivery Address is Not the Same as My Resident Address.” Check that box if your physical address is different than your mail delivery address (such as a P.O. box).
   2. The second checkbox is “Request Your Consumer Disclosure Report.” This is required. Check this box to submit an online request to access your file and learn more about the personal information LexisNexis Risk Solutions maintains about you in accordance with the Fair Credit Reporting Act.
   3. The third checkbox is to “Request a Description of Procedure Letter.” Check this box to receive a letter from LexisNexis that is personal to your dispute request(s) and describes how we process dispute(s) that you may have in the system. We recommend checking this box.
3. LexisNexis will verify your identity and send a letter to you by mail. The letter will contain a PIN and a URL that you can use to access and download your report online.

By Phone

To request a report over the phone, you will speak with a representative from the LexisNexis Risk Solutions Consumer Center.

• Call 1-866-897-8126.

By Mail

1. Download and print the Printable Request Form from the LexisNexis website.
2. Complete the form with your personal information.
3. Mail the form to the following address:
   LexisNexis Risk Solutions Consumer Center
   P.O. Box 105108
   Atlanta, GA 30348-5108

Freezing vs. Opting Out of LexisNexis: What’s the Difference?

Because LexisNexis holds so much personal data, many consumers wonder whether they should “freeze” their LexisNexis file, “opt out” of LexisNexis databases, or both.

Although the terms sound similar, they serve very different purposes. Understanding the distinction helps you protect your identity and improve control over your personal information.

What a LexisNexis Freeze Actually Does

A security freeze with LexisNexis restricts access to your consumer-reporting file—the version of your information regulated under the Fair Credit Reporting Act (FCRA). Think of this as the data that lenders, insurers, and certain service providers might use when evaluating you for credit or risk.

When you place a freeze, LexisNexis must stop releasing your consumer report to third parties for new credit, loans, or similar decisions unless you give permission. This prevents criminals from opening new accounts using your information through products LexisNexis contributes to. The freeze is free, but it only applies to specific consumer-reporting products and does not freeze your files with Equifax, Experian, or TransUnion.

In short, a freeze is a fraud-prevention tool. It helps stop unauthorized new accounts but doesn’t remove or delete your existing data.

What It Means to Opt Out of LexisNexis

“Opting out” is a completely different action. Instead of restricting access to your consumer-reporting file, it limits how your personal information appears in certain non-FCRA, data-broker databases.

This category includes marketing lists, people-finder databases, mailing lists, and other consumer-information products. Opting out reduces how much of your data gets shared for advertising, prescreened offers, and general data-broker use.

However, opting out does not delete or hide you from all LexisNexis systems. Public records (court filings, liens, bankruptcies, property records), law-enforcement-accessible systems, and regulated data products remain. Opt-outs mainly target the marketing and data-broker side.

Put simply, opting out is a privacy-enhancement tool, not a credit-protection tool.

How the Two Compare

A freeze protects your identity from being used to open new credit accounts through LexisNexis, while an opt-out reduces how much of your information is sold or shared for marketing and people-search databases. A freeze limits access to consumer-report data; an opt-out limits exposure in non-consumer-report databases. A freeze doesn’t erase your data; an opt-out doesn’t prevent fraud. Each action addresses a different concern.

Which One Should You Do?

Most consumers who care about privacy or credit protection benefit from doing both. If you want to block unauthorized credit activity, a freeze is essential. If you want to reduce how widely your personal information circulates for marketing and lookup services, an opt-out is the right step. Neither process affects the other, and both can be done at no cost.

Overview: What the LexisNexis Consumer Report Includes

The Consumer Disclosure Report you receive from LexisNexis is not a credit report. When you request your LexisNexis Consumer Disclosure Report, you’re getting a snapshot of the vast data LexisNexis has collected and associated with your identity. But the contents depend on which LexisNexis product lines have data on you (credit-related, insurance, public records, identity verification, etc.).

Here’s what a consumer can generally expect to find — and what it means.

Your report may include a mix of the following categories:

1. Personal Identifiers

• Full name and any variations (aliases, former names, misspellings).
• Current and previous addresses, phone numbers, and email addresses.
• Date of birth, partial or complete Social Security number.
• Driver’s license number or other government IDs (if found in public records).
• “Identity Linking” information — names and addresses LexisNexis algorithmically associates with you.

Purpose: Used for identity verification, risk scoring, and linking records across sources.

2. Public Records

LexisNexis aggregates data from courthouses, property databases, and government agencies. You may see:

• Civil court records (lawsuits, judgments, liens).
• Criminal records (arrests, charges, convictions).
• Bankruptcies (from U.S. Bankruptcy Court).
• Evictions, tax liens, or foreclosure filings.
• Professional licenses (e.g., contractor, nurse, real estate).
• Property ownership records, deeds, or assessor data.

Important: Even if you opt out, public records are not removed from official sources — only from LexisNexis’s commercial redistribution.

3. Financial and Account Data

Depending on the products you’ve interacted with:

• Credit file data (if you have products like SmartCredit or SmartDispute connected via LexisNexis Risk Solutions).
• Collection accounts, auto loan details, or utility and telecom records.
• Insurance claims history via CLUE (Comprehensive Loss Underwriting Exchange) — including auto, property, and renters insurance claims up to seven years.
• Banking or check-writing data from sources like TeleCheck or C.L.U.E. reports.

Purpose: Used by lenders, insurers, and employers to evaluate risk, fraud, and eligibility.

4. Employment & Professional Data

• Employment verification data (from payroll or public sources).
• Job titles, employers, and employment periods.
• Professional or occupational licenses.

5. “Identity Attributes” & Risk Indicators

LexisNexis includes internal scoring and linkage data, such as:

• Identity confidence scores.
• “Fraud risk” or “identity verification” indicators used by financial institutions.
• Historical address or phone number matches are used to determine whether an applicant is genuine or synthetic.
• Device or IP-based linkages (used for fraud prevention in online transactions).

6. Inquiry & Usage Information

• A list of companies, insurers, or other entities that have accessed or purchased your LexisNexis data.
• Dates of disclosure, product type, and sometimes reason codes (e.g., “insurance underwriting,” “identity verification,” etc.).

7. Dispute & Opt-Out Section

If you’ve submitted disputes or opted out, your file will note:

• The date your opt-out request was processed.
• Whether your suppression applies to standard data products, restricted public records, or both.
• The results or status of any dispute you’ve filed.

What You Won’t Find

• You won’t see every piece of data LexisNexis holds — only what’s legally required under the Fair Credit Reporting Act or applicable privacy laws.
• Proprietary “risk models” and third-party analytics (e.g., LexID linking algorithms, fraud risk scores) are often excluded because they are considered trade secrets.
• Opted-out or restricted data might be hidden from the version of the report you receive.

Summary

A LexisNexis consumer report is more than a credit report — it’s a comprehensive data profile that can include public records, insurance claims, personal identifiers, and linkage data used for fraud prevention and identity matching. It’s especially valuable to review for accuracy if you’ve experienced bankruptcy, had identity theft, been denied insurance or employment, or experienced data breaches.