Businesses use many different tools to research new customers and to make decisions on new relationships. They may look at a background check, your FICO score, or a report from LexisNexis. Each of these reports compiles a variety of information for businesses to make informed decisions. In most cases, these types of reports help protect consumer identity, while also helping companies protect their assets.

As a consumer, it is important to know that the information provided on these data broker reports is accurate. You can easily request a copy of your report from LexisNexis, as well as credit reporting agencies to make sure that your personal data is correct. 

In some cases, you may want to limit access to the information available to these companies. LexisNexis offers the ability to freeze your report, and it also allows you to request that information be withheld from the report as well.

Let’s understand what LexisNexis is, the information they provide, and how you can keep your personally identifiable information safe. We'll also cover how to opt out of LexisNexis with the help of a data removal service like Incogni.

What is LexisNexis?

LexisNexis, and its Risk Solutions product, helps businesses make informed decisions about working with new customers. LexisNexis offers information about a person’s financial history to insurance companies, health care, financial institutions, governmental agencies, and nonprofits. These entities then use that information to make informed decisions about whom to work with.

The information compiled is presented by LexisNexis as a Consumer Disclosure Report. According to LexisNexis, “The information we provide about consumers has been collected from public record and publicly available data sources. We also use proprietary data and information from third-party data sources in compiling our information products.

LexisNexis offers a variety of products including its Risk Solutions product, along with a suite of products for legal professionals. The company’s Risk Solutions offering compiles consumer information for companies to make risk assessments before doing new business. If you’re looking to get a new mortgage or trying to gain insurance on a new piece of property, those businesses may use the LexisNexis Consumer Disclosure Report to influence its decision.

How do I remove myself from LexisNexis?

You are able to remove your information from LexisNexis. However, this does come at a cost. By removing your information, you may be unable to work with some companies that rely on the LexisNexis report. Only some of your information will be removed from the system, however, so keep this in mind when considering having your information removed.

According to LexisNexis, the data that will remain includes:

• Restricted public records products that are available to law enforcement entities
• Products regulated by the Fair Credit Reporting Act
• Third-party data available through real-time gateways
• News
• Legal documents

If you would still like to remove your data from the LexisNexis system, you can do so on the LexisNexis opt-out page at https://optout.lexisnexis.com. Once you go to this website, follow the prompts on the opt-out form to remove yourself from the platform. LexisNexis also requires that you give a reason for wanting your information removed.

Reasons for wanting your information removed can include:

• I do not want my information shared
• I am an elected or public official
• I am a law enforcement officer
• I am a victim of identity theft
• I am at risk of physical harm
• I am a judicial officer

Once you’ve selected why you want to remove your information, you will need to provide the following supporting documents and information for each person you want to remove:

• Social Security number or some other personally identifiable information
• Address for each person
• If you're a victim of identity theft, a copy of a police report
• If you're a law enforcement officer or public official, a letter from your supervisor
• If you're at risk of serious bodily harm, a copy of a court protective order, police report, or similar documentation

Use data removal services to opt out of LexisNexis

If you prefer not to request removal of your data on your own, you can sign up for a service that does it for you. The main benefit of these data removal services is that they request your information be erased from hundreds of sites on your behalf. That saves you a ton of legwork — especially when you consider most services scan for your data and request its removal on a regular basis.

These three data removal services topped our list after we put them through rigorous testing:

• Incogni: Created by the makers of Surfshark VPN, Incogni is a simple but effective service that requests removal of your data from 180+ broker sites like LexisNexis. We found it worked quickly — it removed our data from nine sites within an hour of signing up, and continued to remove data from more sites as time went on.
  
  See Incogni Plans | Read Our Incogni Review
• DeleteMe: DeleteMe scans over 200 sites for your info every three months, ensuring that even if new data broker sites pop up, your info isn't floating out there online. We were especially impressed with DeleteMe's masking tools, which hide your phone number, credit card number, or email address so data brokers can't log that information.
  
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• Hello Privacy: If you want thorough reports from your data removal service detailing what info was found and where, among other things, check out Hello Privacy. It includes comprehensive reports along with deleting your data from the web. We also like that it has a data breach scanner tool that checks if your email was compromised.
  
  See Hello Privacy Plans | Read Our Hello Privacy Review

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On Incogni's website

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Incogni

• Limits public access to your information and keeps your data from being sold
• Fast response and removal
• Low maintenance
• No extra security features

When can I opt out of LexisNexis?

LexisNexis allows consumers to request that information be removed from the consumer disclosure report. When you submit an opt-out request, LexisNexis asks for the reason behind the opt-out. Based on your answer, it may also require additional documentation to show you are a victim of identity theft or other circumstances. Based on the information you provide, LexisNexis will determine what information, if any, to remove.

However, LexisNexis will not remove all of the information. On its website, LexisNexis says that it is able to remove information about you that is already publicly available but that it will not always remove information from its sources outside of the public domain. LexisNexis will continue to provide third-party and private information to its customers, even if you choose to opt out.

LexisNexis may require documentation when you request to have your information suppressed or removed. If you do not provide appropriate documentation or your request is denied, LexisNexis will notify you.

What happens after I opt out of LexisNexis?

If you request to have your information removed from LexisNexis, the company will look at your application and determine whether your information suppression should be approved. LexisNexis has sole discretion on whose information is removed.

However, reputable businesses use the Consumer Disclosure Report to make decisions about doing business with you. Removing part of the information on your report may influence future decisions by companies that use the LexisNexis product.

So how do businesses use the report? In most cases, they consult the LexisNexis report to verify your identity. The LexisNexis report includes a variety of information about you, including public and private data. If you’re looking for new home insurance, the LexisNexis report could include information about your mortgage, prior insurance usage, and more.

How to freeze my LexisNexis report

If you don’t need to remove your information completely, you are able to freeze your LexisNexis report instead. This can help protect your information if you’ve recently been the victim of identity theft or if you do not plan on doing new business with a company that may use LexisNexis. Similar to the information suppression request, you can complete a security request online.

The security request stops any entity from getting your Consumer Disclosure Report. When a LexisNexis customer requests your report, they will be notified that you have had your report frozen.

Even though your report is frozen, there are permissible uses of information that allows the freeze to be circumvented. These permissible purposes are mandated by each state. If the information requested is deemed permissible, LexisNexis can still provide that information even if your account is frozen.

LexisNexis offers security freezes and the removal of freezes when requested, free of charge.

What info does LexisNexis collect?

LexisNexis provides a variety of information to its customers. Much of the information is publicly available. However, LexisNexis does collect other information. According to its website, “LexisNexis provides its customers with access to a variety of publicly available information, public records, and non-public information.”

LexisNexis also provided some examples of the types of information it collects. Keep in mind that this may not be a comprehensive list.

Examples of public records include:

• Judgments and Liens
• Secretary of State filings
• Uniform Commercial Code filings
• U.S. and Canadian business finder directories
• Dun & Bradstreet Global Market Identifiers Worldbase
• Experian Business Reports
• Fictitious Business Name Information (DBA or doing business as)
• Dun & Bradstreet Federal "Employer Identification Numbers
• The Franchise Index
• An inactive business index
• Tax liens
• Securities of Exchange Commission Form 4 abstracts
• FAA aircraft registrations
• Police records

Examples of non-public information include:

• Driver's license information
• Credit header information

How to request a copy of my Consumer Disclosure Report

Similar to your FICO credit score, you can request a copy of your consumer disclose report from LexisNexis once every 12 months. To get a copy of your report, you must request one through LexisNexis’ online form. It does not cost to request a copy of your report.

Once you fill out the request form, it will take two weeks for your request to be processed. After it’s processed, you’ll receive a letter from LexisNexis with either a hard copy of your report or a URL and pin to allow you access to an online copy of the report.

When requesting the report, you will need to provide the following information:

• First name
• Last name
• Street address, city, zip
• Date of birth
• Social Security number or driver’s license number (in some situations)

LexisNexis FAQ

Bottom line

For customers of LexisNexis, the Consumer Disclosure Report is an important tool to understand potential new customers and any risk that may be associated with a new relationship. 

That being said, the LexisNexis report could include incorrect information or information that you do not want to be disclosed to these businesses. If you are concerned about your identity, you are able to freeze your LexisNexis account or have certain information removed from your consumer disclosure.

To protect your information, you should request your consumer disclosure every year to make sure that the information provided is accurate. You can also request your FICO credit score each year to make sure your information there is correct. You should also check other people search sites like Whitepages and request removal of your info or sign up for a data removal service like Incogni, DeleteMe, or Hello Privacy.

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On DeleteMe's website

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DeleteMe

• Removes your data from the web to avoid scams, spam and stalkers
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Author Details

Andrew Adams

About the Author

Andrew Strom Adams is a freelance writer focused on online privacy and digital security. He writes on various topics to help individuals protect themselves on the internet. Andrew has worked in legal marketing, technology, and startups. He has more than 12 years of experience in marketing and communications. He holds an M.B.A. from Westminster College and a B.A. in journalism from Oklahoma Baptist University. When he’s not writing, he’s playing with his two kids or watching reality TV.