Auto Loan Adverse Action Notice: What It Means

How to Get Your LexisNexis Consumer Report for Free

LexisNexis Risk Solutions may maintain a consumer file containing far more than traditional credit-card and loan information. Depending on the records available about you, a LexisNexis Consumer Disclosure Report can include historical addresses, real-estate ownership and transactions, liens, judgments, bankruptcy records, professional licenses and other identifying or public-record information.

You can request your LexisNexis Consumer Disclosure Report for free. The request can currently be made online, by U.S. mail or by telephone. But there is an important catch: LexisNexis has several different consumer-report processes, including a separate FACT Act disclosure for insurance claims history. Ordering the correct report matters.

This guide explains which LexisNexis report to request, how to get it for free, what information to review and what to do when something in the file is inaccurate or belongs to someone else.

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Free LexisNexis Consumer Report

Quick Answer

You can request your LexisNexis Consumer Disclosure Report for free directly from LexisNexis Risk Solutions. Do not pay a third-party website simply to obtain a report you can request yourself.

Current request methods include:

  • Online: Submit the secure Consumer Disclosure request form.
  • Mail: Send the printable request form to the LexisNexis Risk Solutions Consumer Center.
  • Phone: Call the consumer-report request number.

Official consumer portal:

LexisNexis Risk Solutions Consumer Portal

For the general Consumer Disclosure Report, the current consumer-support telephone number is:

1-866-897-8126

The current mailing address is:

LexisNexis Risk Solutions Consumer Center
P.O. Box 105108
Atlanta, GA 30348-5108

Do not automatically use the insurance-report address or phone number. LexisNexis operates a separate FACT Act disclosure process for insurance claims information. Determine which report you actually need first.

What Is LexisNexis Risk Solutions?

LexisNexis Risk Solutions supplies information products to organizations including:

  • Banks and financial institutions
  • Insurance companies
  • Healthcare organizations
  • Government agencies
  • Law-enforcement organizations
  • Nonprofit organizations

Businesses may use LexisNexis information for purposes such as:

  • Identity verification
  • Fraud prevention
  • Insurance underwriting
  • Risk assessment
  • Public-record research
  • Eligibility or benefit verification

LexisNexis says its products can combine information from public records, publicly available sources, proprietary databases and third-party data sources.

That is why a LexisNexis file can look very different from an ordinary credit report. It may contain addresses, property information and public-record data rather than simply credit cards, loans and payment history.

Is LexisNexis a Credit Bureau?

LexisNexis Risk Solutions is a consumer reporting company for certain products, but it is not one of the three nationwide credit bureaus:

  • Equifax
  • Experian
  • TransUnion

Your LexisNexis Consumer Disclosure Report is therefore separate from your traditional credit reports.

Requesting one does not automatically give you:

  • Your Equifax credit report
  • Your Experian credit report
  • Your TransUnion credit report
  • Your ChexSystems report
  • Your Early Warning report

Likewise, correcting something at one reporting company does not automatically correct every other company's file.

Think of LexisNexis as another consumer-data file that may exist alongside—not instead of—your traditional credit reports.

For the broader picture, see:

Free Consumer Reports You May Not Know About

Which LexisNexis Report Should You Request?

This is the most important part of the process because consumers can encounter several LexisNexis report names.

What you want to check Report to consider
General LexisNexis consumer information Consumer Disclosure Report
Historical addresses and identity information Consumer Disclosure Report
Real-estate ownership and transactions Consumer Disclosure Report
Liens, judgments or bankruptcy records maintained in the file Consumer Disclosure Report
Professional license information Consumer Disclosure Report
Personal auto or property insurance claims history FACT Act disclosure / applicable C.L.U.E. information
Information named in an adverse-action notice Request the exact report identified in the notice

Use the exact report name from an adverse-action notice whenever you have one. Do not guess which LexisNexis product an insurer, bank or other company used.

LexisNexis Consumer Disclosure Report

The general Consumer Disclosure Report is designed to show information LexisNexis Risk Solutions maintains about you for applicable consumer-reporting purposes.

LexisNexis specifically says the disclosure may include items such as:

  • Real-estate transaction information
  • Real-estate ownership information
  • Lien records
  • Judgment records
  • Bankruptcy records
  • Professional license information
  • Historical addresses

Your individual report may contain more, less or no information in particular sections.

Do not assume every piece of information LexisNexis has ever collected appears in one consumer disclosure. Different LexisNexis products, legal rules and data sources can involve different information.

FACT Act and C.L.U.E. Insurance Report

LexisNexis has a separate FACT Act disclosure process for consumers seeking applicable insurance-claims information.

LexisNexis states that it maintains insurance claims histories and provides consumers with a free FACT Act file disclosure.

This is particularly relevant when you want to review information that may affect:

  • Auto insurance underwriting
  • Homeowners insurance
  • Renters insurance
  • Prior property claims
  • Prior automobile claims

The insurance disclosure has a separate request page:

LexisNexis FACT Act Disclosure Request

Its current phone number is:

1-866-312-8076

Its current mail-request address is:

LexisNexis Risk Solutions Consumer Center
P.O. Box 105295
Atlanta, GA 30348-5295

Notice that this address is different from the general Consumer Disclosure address. Use the current instructions for the particular report you are ordering.

LexisNexis Consumer Disclosure vs C.L.U.E. Report

General Consumer Disclosure FACT Act / C.L.U.E.-related disclosure
Broad LexisNexis consumer information Insurance claims-history information
May include addresses and public-record information May include applicable auto or property claims
General phone: 1-866-897-8126 FACT Act phone: 1-866-312-8076
P.O. Box 105108 P.O. Box 105295
Useful for broad file review and identity issues Useful when checking insurance underwriting information

If an insurance company specifically identifies a LexisNexis or C.L.U.E. report in a notice, request the insurance disclosure rather than assuming the general Consumer Disclosure contains everything the insurer reviewed.

Is the LexisNexis Consumer Report Free?

Yes. The CFPB identifies LexisNexis Risk Solutions as a consumer reporting company that provides consumers one free report every 12 months upon request.

You may also have additional disclosure rights in situations involving:

  • An adverse action based on a consumer report
  • Identity theft
  • Fraud alerts
  • Other rights provided by federal or state law

You do not need a paid credit-monitoring service or credit-repair company simply to request your LexisNexis disclosure.

Three Ways to Request Your LexisNexis Consumer Report

Method Best for
Online Most consumers who can complete identity verification electronically
Telephone Consumers who want assistance or cannot complete the online process
U.S. mail Consumers who prefer paper or need to include special documentation

Start at:

LexisNexis Consumer Disclosure Report

How to Request Your LexisNexis Report Online

Go directly to the official consumer portal

Do not use a third-party website claiming it can order the report for you.

Open the online request form

Select the option to request your Consumer Disclosure Report.

Enter your identifying information

Use your legal name, current address, ZIP code and date of birth accurately.

Provide the requested identity identifier

For a consumer disclosure, the process may require your Social Security number or driver's license number and issuing state.

Review the information carefully

An incorrect address, name or birth date may prevent LexisNexis from matching your request to its records.

Submit the request

Save any confirmation or case information shown after submission.

Official request form:

LexisNexis Online Consumer Request Form

Use the official LexisNexis Risk Solutions consumer domain. You will be entering highly sensitive information, so avoid links from unsolicited emails, text messages or advertisements.

What Happens After an Online Request?

Submitting the request online does not necessarily mean the complete report immediately appears on the screen.

LexisNexis currently explains that after it verifies and processes the request, it sends a letter through U.S. mail containing additional information explaining how to access the report online.

Therefore, make sure:

  • Your mailing address is current.
  • Your apartment or unit number is included.
  • Your name is correctly spelled.
  • You continue checking your mail after submitting the request.

LexisNexis currently instructs consumers who do not receive a mailed message within 10 days to contact its Consumer Center at 1-888-497-0011.

How to Request Your LexisNexis Report by Mail

LexisNexis provides a printable Consumer Disclosure request form.

Download the current form from:

LexisNexis Consumer Disclosure Page

Follow the current form instructions and mail it to:

LexisNexis Risk Solutions Consumer Center
P.O. Box 105108
Atlanta, GA 30348-5108

Before mailing:

  • Use the current version of the form.
  • Complete every required section.
  • Include the identification requested by the form.
  • Send copies rather than original identification documents.
  • Keep a complete copy of what you mailed.
  • Consider using a mailing method that provides tracking.

Do not mail original identity documents. Follow the current form instructions for acceptable copies and supporting evidence.

How to Request Your LexisNexis Report by Phone

Consumers may currently request the general Consumer Disclosure Report by calling:

1-866-897-8126

Have information available to verify your identity, such as:

  • Your legal name
  • Your current address
  • Previous addresses when needed
  • Your date of birth
  • Your Social Security number or driver's license information when requested

Use the telephone number from the official LexisNexis consumer portal rather than a number provided in an unsolicited email, text message or phone call.

What Information Will You Need?

The current online request form asks for core information including:

  • First name
  • Last name
  • Street address
  • City
  • ZIP code
  • Date of birth

Depending on the request, LexisNexis may also require either:

  • Your Social Security number
  • Or your driver's license number and issuing state

This information is used to match you with the appropriate consumer file and verify that someone else is not improperly requesting your report.

Providing incomplete identifying information can result in a request that LexisNexis cannot process. Use accurate information rather than guessing at a previous address or identification number.

What if LexisNexis Requests More Documents?

If LexisNexis cannot verify the request with the information initially supplied, it may ask for additional documentation.

Examples listed on the LexisNexis consumer help portal include:

  • A utility statement dated within the requested period
  • A Social Security card
  • A state-issued driver's license
  • A state-issued identification card

When additional documents are requested:

  • Verify that the request really came from LexisNexis.
  • Use the official secure document-submission process.
  • Include the case number when required.
  • Send only the documents needed to complete verification.
  • Keep copies of everything submitted.

Do not send Social Security cards or driver's licenses to an unverified email address. Use the official LexisNexis Consumer Center process.

How Long Does It Take to Get a LexisNexis Report?

The CFPB states that companies subject to the annual free specialty-report requirement must provide the report within 15 days after receiving the consumer's request.

Your practical timeline may also depend on:

  • Identity verification
  • Whether additional documents are required
  • Postal delivery time
  • Whether the request information matches the file

LexisNexis currently says that after an online request is verified and processed, it sends a letter by U.S. mail explaining how to access the report online.

Record the date you submitted the request. If nothing arrives, follow the current contact instructions rather than repeatedly submitting new requests with different information.

What Can a LexisNexis Consumer Report Contain?

The contents vary from person to person.

LexisNexis specifically lists information such as:

  • Historical addresses
  • Real-estate transaction information
  • Real-estate ownership information
  • Lien records
  • Judgment records
  • Bankruptcy records
  • Professional licenses

The broader LexisNexis system may use information obtained from:

  • Public records
  • Publicly available sources
  • Proprietary sources
  • Third-party data sources

Do not expect your LexisNexis report to look like an Equifax, Experian or TransUnion report. The structure and information categories can be substantially different.

Historical Addresses and Identity Information

Review every address carefully.

An unfamiliar address could be:

  • An old address you forgot
  • A family or household address associated with your records
  • A business or mailing address
  • An address incorrectly associated with someone of a similar name
  • A sign of possible identity misuse

Also review variations of:

  • Your name
  • Middle name or initial
  • Previous names
  • Suffixes
  • Other identifying details

One unfamiliar historical address is not by itself proof of identity theft. Investigate how it became connected with your file before assuming fraud.

Real Estate and Property Records

Your disclosure may contain real-estate information associated with you.

Check:

  • Property addresses
  • Ownership information
  • Transaction dates
  • Whether the property actually belongs to you
  • Whether the record belongs to someone with a similar name

An old property can remain relevant as historical information even after you sold it.

When a property record is wrong, compare it with county recorder, assessor, deed or closing records before submitting a dispute.

Liens, Judgments and Bankruptcy Records

LexisNexis says its Consumer Disclosure Report can include available:

  • Lien records
  • Judgment records
  • Bankruptcy records

Review:

  • The person's name
  • The court or jurisdiction
  • The filing date
  • The case or record number
  • The status of the record
  • Whether the record actually belongs to you

Public records can create mixed-file problems when two people have similar identifying information. Do not assume a court record belongs to you simply because your name is similar.

Professional License Information

Professional license information may also appear.

Depending on your occupation, this could involve records connected with licensed professions or regulated activities.

Check:

  • The license holder's name
  • The profession
  • The issuing jurisdiction
  • The license number
  • The status
  • Relevant dates

If something is wrong, determine whether the source licensing agency also has the incorrect information.

Who Has Requested Your LexisNexis Information?

Your disclosure may contain information showing companies or organizations associated with permitted access to applicable consumer-report information.

Review any available inquiry or access information and ask:

  • Do I recognize the organization?
  • Did I apply for a service around that time?
  • Could the organization use another legal or parent-company name?
  • Was the access connected with an existing account?
  • Could someone have applied using my identity?

An unfamiliar company name is not automatically fraud. Banks, insurers and other businesses sometimes obtain reports through affiliates or service providers. Investigate before drawing a conclusion.

How to Review Your LexisNexis Report

Save the original report

Keep an untouched copy before disputing anything.

Review identity information first

Check names, addresses and other identifiers for signs that records from another person were mixed into your file.

Review property and public records

Compare the information with your own documents and official records.

Look for information that is not yours

Unfamiliar addresses, properties or records can indicate a matching error or identity theft.

Identify the source

Determine which court, government office, business or other source appears connected with the disputed information.

Gather evidence

Collect documents that directly prove the specific field is inaccurate.

Submit a focused dispute

Identify exactly what is wrong and what correction you want.

Do not simply write, “Delete everything from my LexisNexis report.” A specific dispute explaining the incorrect address, property, record or status is much easier to investigate.

What if LexisNexis Has No File on You?

A no-file or limited-file response may simply mean LexisNexis does not have consumer-report information matching the identifying information you supplied.

It does not mean:

  • Equifax has no file
  • Experian has no file
  • TransUnion has no file
  • ChexSystems has no file
  • No insurance claims report exists
  • No company has ever collected information about you

Each consumer reporting company maintains its own databases and products. A clean or empty LexisNexis disclosure tells you only what that particular request returned.

Does Requesting Your LexisNexis Report Hurt Your Credit Score?

No. Requesting your own consumer report does not lower your credit scores.

You are reviewing information about yourself rather than applying for new credit.

The same general principle applies when you request:

  • Your Equifax report
  • Your Experian report
  • Your TransUnion report
  • Your ChexSystems disclosure
  • Other specialty consumer reports

Do not avoid checking your own consumer information because you are worried that the request itself will reduce your credit score.

See:

Common LexisNexis Consumer Report Errors

Possible problems can include:

  • An address that belongs to another person
  • A property you never owned
  • An incorrect property ownership date
  • A lien that does not belong to you
  • A judgment associated with the wrong person
  • A bankruptcy record incorrectly matched to you
  • An incorrect professional license
  • Outdated or incomplete status information
  • Records belonging to someone with a similar name
  • Information associated with identity theft

Not every old address or historical record is an error. Consumer disclosures can legitimately contain historical information. Focus on whether the information is accurate and properly associated with you.

How to Dispute an Error on Your LexisNexis Report

If information is inaccurate or incomplete, identify the exact item and collect supporting evidence.

LexisNexis currently directs consumers with file questions or disputes to its Consumer Center.

Current contact information:

LexisNexis Risk Solutions Consumer Center
P.O. Box 105108
Atlanta, GA 30348-5108

Phone: 1-866-897-8126

Your dispute should explain:

  • The report or case number
  • The specific item being disputed
  • What the report currently says
  • Why it is inaccurate or incomplete
  • The correction you are requesting
  • The supporting documents

When possible, also contact the source responsible for the incorrect information.

Correct the source as well as the report. Otherwise the same inaccurate data may be supplied again later.

For general dispute strategy, see:

LexisNexis Dispute Letter Template

[Your full name]
[Your current address]
[City, state and ZIP code]
[Telephone number]
[Email address]

[Date]

LexisNexis Risk Solutions Consumer Center
P.O. Box 105108
Atlanta, GA 30348-5108

Subject: Dispute of inaccurate information in my LexisNexis Consumer Disclosure Report

Report or case number: [number]

Dear Consumer Center:

I am disputing information contained in my LexisNexis Consumer Disclosure Report.

The disputed item is:

  • Section: [section]
  • Record or account: [description]
  • Date shown: [date]
  • Current information: [what the report says]

The information is inaccurate or incomplete because:

[Explain specifically why the information is wrong. For example, the property never belonged to you, the address belongs to another person, the court record is associated with someone else or the status has been updated by the source.]

I am requesting that LexisNexis:

  • Investigate the disputed information
  • Correct or remove information that cannot be verified as accurate
  • Provide the result of the investigation
  • Provide an updated disclosure showing the correction

I have enclosed copies of the following supporting documents:

  • [Copy of relevant report page]
  • [Court record]
  • [Property document]
  • [Government identification]
  • [Letter from the information source]
  • [Other supporting evidence]

Please communicate the result in writing.

Sincerely,

[Signature]
[Printed name]

Follow LexisNexis's current dispute and identity-verification instructions. This sample helps organize your explanation but does not replace any required form or documentation.

How Long Does a LexisNexis Dispute Take?

Under the Fair Credit Reporting Act, inaccurate or incomplete information reported to a consumer reporting company generally must be investigated, and the standard investigation period is usually about 30 days.

The timeframe can depend on:

  • When the dispute is received
  • Whether the dispute contains enough information
  • Whether additional documentation is submitted
  • Whether the information source must be contacted

Save:

  • The original report
  • The dispute letter or online submission
  • Mail tracking information
  • The case number
  • All supporting documents
  • The investigation result
  • The updated report

Compare the updated report with the original rather than assuming a letter saying the investigation is complete means every requested correction was made.

What if LexisNexis Says the Information Is Verified?

A verified result does not necessarily resolve every possible issue.

First determine exactly what LexisNexis says was verified.

Ask:

  • Was the identity match verified?
  • Was the property ownership verified?
  • Was the court record verified?
  • Was the address verified?
  • Was the status or date verified?

Then compare the result with your evidence.

Identify the exact unresolved field

Do not resubmit a broad dispute when only one specific detail remains wrong.

Contact the source

Ask the court, government agency, property office or other information source what its underlying record shows.

Obtain stronger evidence

Use official records that directly contradict the disputed information.

Submit a focused follow-up

Explain why the verification result conflicts with the new documentation.

Also see:

Credit Bureau Says Verified but Account Is Still Wrong

What if the LexisNexis Information Is Not Yours?

Take an unfamiliar record seriously when it appears to involve:

  • An address where you never lived
  • A property you never owned
  • A bankruptcy you never filed
  • An unfamiliar financial or insurance relationship
  • Repeated identifying information belonging to someone else

Possible explanations include:

  • Identity theft
  • A mixed consumer file
  • A public-record matching error
  • A person with a similar name
  • An error at the original data source

Consider:

  • Disputing the incorrect information with LexisNexis
  • Contacting the original source
  • Creating an FTC Identity Theft Report when appropriate
  • Checking all three traditional credit reports
  • Checking relevant specialty reports
  • Placing appropriate security freezes

Charge Decoded guides:

How a LexisNexis Security Freeze Works

LexisNexis currently allows consumers to request a security freeze, temporary lift or permanent removal without a fee.

A security freeze can restrict release of applicable LexisNexis consumer-report information without your authorization.

Official freeze page:

LexisNexis Security Freeze

Current freeze telephone number:

1-800-456-1244

Current mail address:

LexisNexis Risk Solutions Consumer Center
Attn: Security Freeze
P.O. Box 105108
Atlanta, GA 30348-5108

A LexisNexis freeze can be useful when:

  • You are dealing with identity theft.
  • Your personal information was exposed.
  • You see unfamiliar records or inquiries.
  • You want additional control over applicable specialty consumer-report access.

You can still request your own LexisNexis Consumer Disclosure Report while a security freeze is in place.

LexisNexis Freeze vs Equifax, Experian and TransUnion Freeze

LexisNexis freeze Traditional credit freeze
Applies to applicable LexisNexis and SageStream reports Applies to the individual nationwide credit bureau
Requested from LexisNexis Requested separately from Equifax, Experian and TransUnion
Does not automatically freeze the big three Does not automatically freeze LexisNexis
Can affect applications using applicable LexisNexis data Can affect applications requiring that bureau's credit report

Freezing LexisNexis does not freeze Equifax, Experian or TransUnion. Likewise, freezing all three credit bureaus does not necessarily freeze specialty reporting companies.

See:

How to Freeze Your Credit for Free

Security Freeze vs LexisNexis Opt-Out

These are different tools.

Security freeze Opt-out or suppression request
Restricts release of applicable consumer-report information May suppress certain information from particular LexisNexis products where allowed
Designed primarily to reduce unauthorized new applications Often relates to privacy or restricted public-record products
Can generally be lifted when you apply Eligibility and effect depend on the particular request and product
Does not erase accurate information Does not necessarily remove information from FCRA-regulated products

Do not treat “opt out,” “delete,” “suppress” and “security freeze” as interchangeable terms. They can have very different legal and practical effects.

When Should You Check Your LexisNexis Report?

Consider requesting it when:

  • You received an adverse-action notice naming LexisNexis.
  • An insurer says information from LexisNexis affected its decision.
  • You suspect identity theft.
  • An unfamiliar address keeps appearing in verification systems.
  • A public record appears to be incorrectly associated with you.
  • You are reviewing specialty consumer reports after a data breach.
  • You want to understand what LexisNexis maintains about you.

If a particular business made an unfavorable decision, request the exact report named in its notice first. That is more useful than ordering random specialty reports and hoping to find the source.

How to Request Your LexisNexis Report Safely

A Consumer Disclosure request can require sensitive identifying information.

Use these precautions:

  • Start at the official LexisNexis Risk Solutions consumer portal.
  • Do not use a link in an unsolicited text or email.
  • Avoid public Wi-Fi for the online request.
  • Verify the website address before entering a Social Security number.
  • Do not send identity documents through ordinary email.
  • Use the official secure document-upload system when additional records are requested.
  • Keep downloaded reports in a protected location.
  • Shred paper reports before disposal.

A legitimate consumer-report request does not require gift cards, cryptocurrency, remote computer access or payment to an unknown third party.

Mistakes to Avoid

Ordering the Wrong LexisNexis Report

The general Consumer Disclosure and the insurance-related FACT Act disclosure are not the same request. Use the report identified by the business or notice whenever possible.

Paying for a Free Disclosure

Request the consumer report directly from LexisNexis rather than paying an unnecessary middleman.

Assuming LexisNexis Is One of the Big Three

A LexisNexis disclosure does not replace Equifax, Experian and TransUnion reports.

Ignoring an Unfamiliar Address

Investigate it. The address could be harmless historical information, a mixed-file problem or a sign of identity misuse.

Disputing Information Simply Because It Is Old

Historical information can legitimately appear. Determine whether it is accurate and legally reportable before disputing it.

Saying Only “Delete My File”

Identify the exact address, property, public record or other field that is inaccurate.

Correcting Only LexisNexis

When the source record itself is wrong, contact that source as well.

Assuming One Freeze Covers Everything

A LexisNexis freeze does not automatically freeze Equifax, Experian, TransUnion or other specialty reporting companies.

Sending Sensitive Documents Insecurely

Use only official secure submission methods.

Failing to Save the Original Report

Keep the original so you can verify what changed after a dispute.

Frequently Asked Questions

How do I get my LexisNexis consumer report for free?

Request the Consumer Disclosure Report directly from the LexisNexis Risk Solutions Consumer Portal. You can currently submit the request online, mail the printable request form to the LexisNexis Risk Solutions Consumer Center at P.O. Box 105108, Atlanta, GA 30348-5108, or request the disclosure by phone at 1-866-897-8126. The CFPB says LexisNexis provides one free report every 12 months upon request. The online process requires identity verification, and after LexisNexis verifies and processes the request, it currently sends a letter through U.S. mail explaining how to access the report online.

What information is in a LexisNexis Consumer Disclosure Report?

The exact contents vary. LexisNexis says its Consumer Disclosure Report can include real-estate transaction and ownership information, liens, judgments, bankruptcy records, professional license information and historical addresses. LexisNexis obtains information from public records, publicly available data, proprietary sources and third-party sources for different products. Your file may therefore look substantially different from a traditional Equifax, Experian or TransUnion credit report. Review names, addresses, properties and public records carefully for information that belongs to another person or contains an incorrect status, date or other detail.

Is LexisNexis the same as a credit report?

No. LexisNexis Risk Solutions is a consumer reporting company for certain products, but it is not Equifax, Experian or TransUnion. Its Consumer Disclosure Report can contain public-record, property, identity and professional information that may not appear in the same form on traditional credit reports. Requesting your LexisNexis disclosure therefore does not give you all three nationwide credit reports, and correcting information at LexisNexis does not automatically change Equifax, Experian or TransUnion. Consumers reviewing their complete financial identity should consider both traditional credit reports and specialty reports relevant to their particular accounts and applications.

Is the LexisNexis Consumer Disclosure the same as a C.L.U.E. report?

No. LexisNexis operates a separate FACT Act disclosure process for applicable insurance claims history, including C.L.U.E.-related information. The general Consumer Disclosure Report is broader and may contain historical addresses, real-estate records, liens, judgments, bankruptcies and professional license information. The insurance FACT Act report currently has a different request phone number, 1-866-312-8076, and a different mail-request address, P.O. Box 105295, Atlanta, GA 30348-5295. If an insurer sends an adverse-action notice, use the report name and request information shown in that notice rather than assuming the general disclosure is the report the insurer reviewed.

How long does it take to get a LexisNexis report?

The CFPB says companies subject to the annual free specialty-report requirement must provide the report within 15 days after receiving the request. LexisNexis's current online process includes identity verification and then sends a letter through U.S. mail with information explaining how to access the Consumer Disclosure Report online. LexisNexis currently instructs consumers who do not receive a mailed message within 10 days to contact its Consumer Center. An incomplete address, identity-verification problem or request for additional documents can delay the process, so save the submission confirmation and use accurate identifying information.

Does requesting my LexisNexis report hurt my credit score?

No. Requesting a copy of your own consumer report does not lower your credit scores. The CFPB specifically states that accessing your own consumer reports does not hurt your scores. You are reviewing information maintained about yourself rather than applying for new credit. The same principle applies when requesting your own reports from the nationwide credit bureaus and specialty consumer reporting companies such as ChexSystems. Checking a report can be especially useful before an important application or after identity theft because it gives you an opportunity to identify and dispute incorrect information without creating a hard credit inquiry.

Why does LexisNexis show an address where I never lived?

An unfamiliar address can result from several things. It may be an old mailing or household association, information belonging to another person with a similar name, an error at the original data source, a mixed consumer file or possible identity theft. Do not assume fraud solely because one unfamiliar address appears. First review the surrounding records and identifying information. If the address truly has no connection to you, dispute the incorrect association with LexisNexis and investigate the original source when possible. When other signs of identity misuse are present, check traditional credit reports and relevant specialty consumer reports as well.

How do I dispute an error on my LexisNexis report?

Identify the exact information that is inaccurate or incomplete and gather evidence supporting the correction. LexisNexis currently directs consumers with report disputes to its Consumer Center at 1-866-897-8126 or P.O. Box 105108, Atlanta, GA 30348-5108. State what the report currently shows, why it is wrong and what correction you are requesting. Include copies of relevant court, property, identity or source records rather than original documents. When the source itself has incorrect information, contact that source as well. Keep the original disclosure, dispute confirmation, supporting evidence and final investigation result.

Can I freeze my LexisNexis consumer report?

Yes. LexisNexis currently allows consumers to place, temporarily lift or permanently remove a security freeze without a fee. The freeze applies to applicable LexisNexis and SageStream reports and can restrict release of information without your authorization. It does not automatically freeze Equifax, Experian, TransUnion, Innovis or other specialty reporting companies. You can still request your own LexisNexis Consumer Disclosure Report while the freeze is in place. If identity theft is the concern, consider separate freezes at all consumer reporting companies relevant to the type of fraudulent application you are trying to prevent.

What does it mean if LexisNexis says it has no report on me?

It may simply mean that LexisNexis could not locate applicable consumer-report information matching the identifying information supplied with your request. It does not mean that no information about you exists anywhere else or that your Equifax, Experian, TransUnion, ChexSystems or insurance reports are empty. Consumer reporting companies maintain different files and receive information from different sources. Save the no-file response. If a bank, insurer or other company previously told you that LexisNexis information affected a decision, compare the exact company and report name in the adverse-action notice with the disclosure you requested.

Official Resources

Bottom Line

You can request your LexisNexis Consumer Disclosure Report directly from LexisNexis Risk Solutions without paying a third party. The general disclosure can contain historical addresses, real-estate information, liens, judgments, bankruptcy records, professional licenses and other information maintained in applicable LexisNexis consumer files.

Make sure you order the correct report. The general Consumer Disclosure and the separate FACT Act insurance-claims disclosure use different processes, telephone numbers and mailing addresses.

After receiving your report, save the original and review names, addresses, properties and public records carefully. Dispute information that is inaccurate, incomplete or belongs to someone else, and correct the original information source when necessary.

The practical rule: Request the report directly, verify which LexisNexis product you actually need and dispute the exact piece of information that is wrong rather than treating every LexisNexis record as a traditional credit-report problem.

Charge Decoded provides general U.S. consumer information and does not provide individualized legal, credit, insurance or financial advice. Consumer-report contents, disclosure procedures, privacy rights and dispute processes can vary based on the LexisNexis product, applicable law and individual circumstances.