@EmmaGolden wrote:From the LexisNexis website:
Please note that LexisNexis Risk Solutions is not a credit bureau and does not maintain a database of credit information. We do not have the ability to add a security freeze to your credit file.
Then refers you to the big 3 CRA's
No control of our own information
LN is, of course, a CRA as defined by the FCRA.
And they know it: https://personalreports.lexisnexis.com/fcra_consumer.jsp
And the top of the page you quote from acknowledges the right to freeze your LN file: https://personalreports.lexisnexis.com/freeze.jsp
"As a consumer, and depending on the state of your residency, you may be able to request that a security freeze be placed on certain data that LexisNexis® Risk Solutions maintains about you, including some or all of the following: C.L.U.E. reports, Current Carrier reports, and Riskview reports."
"Any security freeze that you request will apply to only those applicable information products that are created and maintained by LexisNexis Risk Solutions."
"To add a security freeze to your credit file, you must contact the individual credit reporting agencies."
The reference you are quoting refers to the CRA data they pull from a bureau and deliver to an insurer along with the LN Auto or Home score. Yes, they pass along that data, and scores based on it. But they correctly assert that they do not maintain the credit database they are accessing, and that they cannot freeze those records, only the data they directly control.
What's perhaps not obvious here, is that unlike the "big 3", or most of the second-string CRAs, LN doesn't actually collect and maintain data on your credit tradelines. Insurance claim data, yes. Public records, yes. Loan or credit card data? No. When they need that data for a report/score, they go get a copy of your credit report (usually from Equifax), just like any lender or monitoring service would.