LexisNexis C.L.U.E. (Auto & Property Reports) | Consumer Financial Protection Bureau (2024)

FAQs

Which credit bureau uses LexisNexis? ›

LexisNexis Risk Data Management, Inc. ("LexisNexis") is a provider of bankruptcy information to Experian. If you have questions about the information LexisNexis has provided to Experian, please contact us by one of the methods referenced below.

To gain access to a CLUE report, you can: Request a CLUE report online. Contact LexisNexis by calling 888-497-0011.

LexisNexis uses motor vehicle records and other publicly available data in its software tool for evaluating life insurance applicants. The tool's algorithm produces a score based on the data for each applicant. Life insurance companies can use the scores to help price policies.

You can request and receive reports from LexisNexis Risk Solutions online. After your request is submitted, you will receive a letter via U.S. Mail with details explaining how to access your report online.

It is important to note that security freezes requested from LexisNexis do not freeze your credit file on the other major credit reporting agencies like Experian and TransUnion; a security freeze must be requested from each agency.

The FACT Act entitles you to obtain one free copy of your applicable consumer report from certain consumer reporting agencies during a 12-month period. LexisNexis^® Risk Solutions maintains information on insurance claims histories and has designed an easy process for consumers to request their free file disclosure.

A CLUE report shows the claims filed for any house or car for the past seven years. It lists claims on your home or vehicle, even if you weren't the owner at the time.

LexisNexis/IIL search footprints are soft footprints. Soft searches do not affect your credit score or your ability to obtain credit and are automatically removed by the CRAs after a given time, usually between 12 and 24 months after the search was conducted.

The more organizations that have access to your data, the higher the risk of your information falling into the wrong hands. Opting out of LexisNexis and Sage Stream helps reduce the number of entities that possess your data, thus lowering the risk of your information being compromised.

Is it safe to opt out of LexisNexis? ›

You can ask to remove your data from LexisNexis, but that's not an ideal option to keep your information and, most importantly – yourself – safe. Data brokers will continuously track you: your information will continue appearing on other sites just as quickly.

Individuals may request to opt-out of having personal information about themselves made available through certain LexisNexis products and services, in accordance with legal requirements or if permitted by LexisNexis policy. Such requests are referred to as "Information Suppressions."

LexisNexis provides a limited set of non-regulated public records to the general public through products such as Peoplewise.

To obtain your Consumer Disclosure Report from LexisNexis Risk Solutions which includes items such as: real estate transaction and ownership data; lien, judgment, and bankruptcy records; professional license information; and historical addresses, please visit the Consumer Portal at https://consumer.risk.lexisnexis.com.

If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through LexisNexis Risk Data Management Inc., a third-party vendor.

Information for Equifax Consumers

("LexisNexis") is a provider of bankruptcy information to Equifax.

LexisNexis Risk Data Management, Inc. ("LexisNexis") was a provider of bankruptcy information to TransUnion prior to December 1, 2018. If you have questions about the information LexisNexis has provided to TransUnion, please contact us by one of the methods referenced below.

Lenders use this information to make lending and credit decisions. These decisions directly affect you, the potential borrower. Lenders will check if your loan application matches LexisNexis data. If information is inconsistent, lenders will use this information to deny you loans.