The LexisNexis opt out process can be confusing. Learn how to remove your information from the data broker site with our step-by-step guide.
LexisNexis: The People Search Engine
Around since the 1970s, LexisNexis is a massive data repository and aggregator that collects and sells personal data. It houses millions of records across various niches of data, both public and private, and has become one of the main players in data analytics and aggregation for industries around the world.
The company’s public records database includes more than 84 billion public records from more than 10,000 diverse sources. LexisNexis, according to its website, provides sensitive personal information to certain customers such as law enforcement agencies, federal homeland security departments, banking, and financial services companies and insurance carriers, lawyers, and state and local governments. It sells about 150 different reports on consumers.
For example, a life insurance company will use LexisNexis Risk Solutions in helping to underwrite a policy and determine a person’s risk based on certain available information that LexisNexis provides. In fact, every insurance carrier that says it checks a customer’s “consumer report” is principally using LexisNexis consumer data. Insurers and other entities use LexisNexis to check an individual’s digital life.
What Type of Information Does Data Broker LexisNexis Provide?
Data broker LexisNexis offers access to a variety of publicly available information, public records, and non-public information including legal documents, a police report, and other information.
A LexisNexis Full File Disclosure, which is similar to credit report data, reveals information about your professional and financial life. The company will provide cell phone numbers, business contact records, name and address combinations, and motor vehicle registrations, just to list some of the data available.
A LexisNexis background report will show the following information:
- Criminal Offenses
- Court Protective Order
- Personal Property Ownership
- Professional Licenses
- Weapons License
How Does LexisNexis Get the Information It Sells to Entities?
LexisNexis collects data from consumer-oriented data sources and databases across the country and compiles it into one central location, allowing underwriters and others to learn more about a person’s overall financial situation than just a credit report. Much of the information contained in these reports comes from federal, state, and county databases.
However, not everyone wants this information available. So how can you opt out of LexisNexis?
What Is the LexisNexis Opt-Out Process?
Individuals may request, in accordance with legal requirements or if permitted by LexisNexis policy, to opt out of having personal information about themselves made available through certain LexisNexis products and services. These requests are known as “Information Suppressions.”
Reasons for LexisNexis Opt Out
You Don’t Want to Get Insurance and Credit Solicitations
SageStream, which is part of LexisNexis, is permitted by the Fair Credit Reporting Act (FCRA) to include your name and address on prescreening lists that creditors and insurers use to send unsolicited offers of credit or insurance. If you don’t want to receive these unsolicited offers, you can request your name and address be removed from these SageStream prescreens.
The opt out of LexisNexis process involves the following options:
- Submit your request securely, online by completing the Opt-Out Election Form
- Submit the completed Opt-Out Election Form by mail to: LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, Georgia 30348-5108.
- Call toll free at: 888-600-7409 .
Opting out of unwanted solicitations will not, however, impact your ability to obtain insurance or your credit.
You’ve Been a Victim of Identity Theft
According to the LexisNexis Information Suppression program, public and elected officials, including law enforcement officers, as well as private individuals who face a significant risk of physical harm or are victims of identity theft, may request that personal information about themselves be removed from LexisNexis products and services available to subscribers of the company’s public records products. LexisNexis reserves the right to determine whether it will honor the request.
If you select identity theft as the reason in the LexisNexis opt-out process, the LexisNexis Consumer Center will send you a package requiring you to complete additional information. It could take up to 30 days to process your LexisNexis opt out request.
The following is the supporting documentation the LexisNexis opt-out process requires for victims of identity theft, as outlined by the data broker platform:
- Submit a copy of the police report or documentation that verifies the identity theft claim, such as a letter from your credit card company and an Identity Theft Affidavit; or
- A law enforcement officer or a public official must submit a letter from his or her employer stating that your job puts you in danger of death or serious physical harm; or
- If you are in danger of physical harm but are not a member of law enforcement, submit a copy of a court protective order, a copy of a police report, or similar documentation, such as a letter from a shelter administrator or a health care professional.
To opt out of LexisNexis, send your supporting documents to the following:
- LexisNexis Individual Requests for Information Suppression
PO Box 933
Dayton, OH 45401
- Begin the opt out of LexisNexis process here.
Note: Opting out will not affect your LexisNexis credit score.
Your LexisNexis Opt-Out Request Can Be Denied
You can also file a fact act dispute request with LexisNexis if there is erroneous information showing up on your credit file or in public records. If you don’t hear from the company or the issues aren’t resolved after 30 days you can sue LexisNexis for damages.
The LexisNexis opt-out process is fairly simple but you need to stay on top of it if you don’t hear from the company,