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Request FREE LexisNexis Accurint Public Record

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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 at reddit

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/
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Created 05-10-2017 at 04:32 PM by stevester
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15 Comments

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Joined Sep 2003
L10: Grand Master
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#2
Thanks for sharing.

I saw the Reddit post yesterday and definitely did not think about posting this information in Slickdeals.

Tofu Vic
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Joined Nov 2010
Constant Thinker
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#3
Good info thank you!!!!
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Joined Jul 2006
L0: Useless
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#4
damn this lexisnexis tool... you can exact revenge on anyone. there's no hiding with all this information
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#5
Why is this marked expired?
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Joined Feb 2007
L7: Teacher
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#6
The LexisNexis scoundrels may indeed have this data but I certainly will not give them my identity information just to view it. My Social Security Card clearly states: "For Social Security and Tax Purposes - Not for Identification"
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#7
Quote from po-90260
:
The LexisNexis scoundrels may indeed have this data but I certainly will not give them my identity information just to view it. My Social Security Card clearly states: "For Social Security and Tax Purposes - Not for Identification"
Thats true - if you live in the 50's still......

Guess what your National Identification Number is going to be, (or at least start or end with) once US catches up to the rest of the world...
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#8
Quote from rcatank
:
Thats true - if you live in the 50's still......

Guess what your National Identification Number is going to be, (or at least start or end with) once US catches up to the rest of the world...
Social Security Card said "For Social Security and Tax Purposes - Not for Identification" in 1971. They are 'boiling the frog' slowly over generations of dumbing down. The twitter generation can only read 140 characters.
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Joined May 2007
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#9
Ok, so I missed how do you get your Accurint report online. Is this only available if you call in for it?
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#10
Quote from po-90260
:
The LexisNexis scoundrels may indeed have this data but I certainly will not give them my identity information just to view it. My Social Security Card clearly states: "For Social Security and Tax Purposes - Not for Identification"

Agreed but many state DMVs ask for it too these days as do doctors, landlords. You can refuse but doesn't mean you'll get serviced.
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#11
Quote from hapollo
:
Agreed but many state DMVs ask for it too these days as do doctors, landlords. You can refuse but doesn't mean you'll get serviced.
DMV does it if your state is part of the Real ID act. Doctors and Landlords ask for it so they can ding your credit if you don't pay. Never give your social to anyone. If anyone looks at you cross eyed tell them to get their money the old fashioned way, sue you.
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#12
Quote from hapollo
:
Agreed but many state DMVs ask for it too these days as do doctors, landlords. You can refuse but doesn't mean you'll get serviced.
Doctors can't refuse service. Unscrupulous landlords will stop at nothing even stealing deposits too.

I've never given it over the phone to anyone. My cell phone company says they know it but I never gave it to them. They gave me a password for when I call them to correct my bill. Seems like America is becoming like what we once fought against.
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#13
Quote from po-90260
:
Doctors can't refuse service.

In a private practice, sure they can, and they often do.

Maybe not b/c you don't provide a Soc Sec but they can for any number of reasons.
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#14
Quote from po-90260
:
Doctors can't refuse service.
A far reaching misconception. Under the Emergency Medical Treatment and Active Labor Act,
  • hospitals that participate in Medicare
  • in emergency situations
  • under penalty of withdrawal from the Medicare system.
are bound to stabilize patients only.

In non-emergency situations, Principle VI of the AMA "Principles of Medical Ethics," states that a "physician shall, in the provision of appropriate patient care, except in emergencies, be free to choose whom to serve, with whom to associate, and the environment in which to provide medical care"

Hence, no common law duty or ethical imperative exists outside of EMTALA that requires a physician to treat every patient.
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#15
Quote from hapollo
:
Ok, so I missed how do you get your Accurint report online. Is this only available if you call in for it?
Yes, call them at 888-497-9172. It was 7-8 mins wait time for me.
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