Saw this on reddit and I was able to request my public record in <10 mins. I always wondered where the companies get this historical data.
This could be valuable for someone who is the market for new financial service like Home Loan, Refinance or even churners.
Credit goes to andrewlef
LexisNexis Accurint Public Record
LexisNexis makes a product called Accurint and markets it to banks, debt collectors and police (among others). This product contains unverified (i.e. possibly garbage) information about you, which the banks use to try to verify your identity when you apply for an account (online, over the phone and sometimes in person too).
Disputing Your Accurint Report
LN asserts that this report is not a consumer report and thus not subject to FCRA rules. As such, you have no right/ability to dispute the majority of the information contained in the report. If we can't dispute this info, we at least need to know what information is in the report, so we can actually have a shot at passing those identity verification quizzes in the future.
LexisNexis FCRA Report
There's also a report called your FCRA Report from LN. You can request a copy of this report at the same time. If there is incorrect info on this report, you do have a right to dispute it (because it is subject to FCRA rules).
What Can You Do About It?
So, if this has happened to you or if you'd just like to know what they have on you, I recommend you do the following:
1. Call LexisNexis's Risk View Department at 888-497-9172
during normal business hours (roughly M-F 9-5 EST).
2. When you get a rep on the phone (I was on hold ~10 min), ask for a copy of your Accurint Public Record. They will need to verify your identity, so have your name/dob/ssn/address available.
3. Once they verify your info, they'll give you a case number and state that you will receive the report by US mail within 7-10 calendar days.
4. While you have them on the phone, you can also request a copy of your FCRA Report. This report contains verified information similar to what is contained in your credit report from the three big reporting agencies. It is also mailed if you request it.
5. Read the reports when they arrive and keep them handy when applying for bank accounts.
6. You can also opt out of certain of LN's non-FCRA databases (which should include Accurint, I believe) if you've been the victim of identity theft. Being the victim of a data breach (such as the recent Yahoo breaches) should qualify you for opt-out purposes. I don't know how this would impact the ability to sign up for bank accounts online, though. As such, I'm not planning to opt out for now.
For additional discussions visit https://www.reddit.com/r/churning...of_failed/