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0 pointsbogomipz8y ago0 comments

I guess I am not as familiar with CheckSystems, is that pay roll data?

Does Lexis Nexus collect financial data on individuals? I thought it's focus was research

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8 comments · 2 top-level

astura8y ago· 3 in thread

ChexSystem is bank accounts and contains very, very little information compared to credit bureaus. Just accounts you've opened (and attempted to open) recently and any negative information. You can (and should) request your report here: https://www.chexsystems.com/web/chexsystems/consumerdebit/pa...

Early Warning, however, contains way, way more information about bank accounts. It lists most of your accounts plus dates opened, dates closed, and other stuff. (I don't have my report on hand, so I'm going from memory) You can (and should) request your report here: https://www.earlywarning.com/consumer-information.html#instr...

I request both every year. (Because I churn bank account bonuses)

LexisNexis has a whole crapload of consumer reports. The big one is the CLUE report on insurance claims. They have employment databases as well and probably others, I'm not as familiar with them. You can request a copy of your CLUE report here: https://personalreports.lexisnexis.com/fact_act_disclosure.j...

I have to admit, I've never requested my CLUE report.

I've mentioned this in another comment but there's actually two more credit bureaus, SageStream (request report here: https://www.sagestreamllc.com/consumer-report/) and Innovis (request report here: https://www.innovis.com/personal/creditReport) I've never requested either myself but I am in the process of requesting both right now.

munin8y ago

I have requested my CLUE report from LN. It contained basically no information.

whoopdedo8y ago

The report I got had inaccurate information. Mostly about previous residents at this address.

astura8y ago

It wouldn't unless you've had recent (<5 years) insurance claims.

That's a good thing to know that people aren't making insurance claims in your name.

Pixeleen8y ago· 3 in thread

ChexSystems does not have salary information. They contain information on bank accounts that have been overdrawn, bad checks, and checkbook orders. They also contain information on accounts in good standing, and the usual information like aliases, addresses, SSNs, and driver license numbers.

Lexis Nexis long since moved beyond newspaper and courthouse archiving. They have dozens of intelligence products and databases aimed at marketing, debt collection, private investigators, and law enforcement. They collect massive personal consumer (and business) data, including retail purchases and returns, and salaries, and associate it in a Facebook-style graph, loosely associated with SSN and DL#.

bogomipzOP8y ago

Interesting about both, thanks. I suppose it's just a matter of time before both of these are compromised. In fact is surprising that they haven't. I wonder if this is just because they aren't as well known as the big 3?

Pixeleen8y ago

Lexis sells access to everything although some of the databases are pricey. I have not heard of a ChexSystems breach yet. They are integrated with most banks.

Even with normal use and no breaches, all these cross-referenced databases are hell for those of us who went through a gender transition. It is practically impossible to get rid of references to my old name. It outs me anytime I open a bank/credit account or arrange new insurance.

jstarfish8y ago

Lexis Nexis suffered a breach in 2013.

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