topic Re: Lexis Nexis dispute question in General Credit Topics

Lexis Nexis dispute question

calyx — Wed, 28 Apr 2021 12:38:10 GMT

Greetings MyFicoers,

Since I'm Gardening and spending time staying out of temptation, I've decided to get around to cleaning up my LexisNexis and other auxiliary reports.

I got my LN (again) - I had previously 'fixed' the most egregious errors and left a lot of minor stuff (wrong addresses, etc). All of the incorrect information can be boiled down to three basic/simple things - the question I have is, should I just send a letter asking for removal of all of the information in one fell swoop or work section by section, or what? Has anyone removed/disputed a large amount of data, and what was most successful?

Re: Lexis Nexis dispute question

TampaBAY86 — Wed, 28 Apr 2021 13:53:06 GMT

Hi @calyx, what kind of errors do you have?

I'd like to know the answer to this as well. I didn't know much about all the secondary CRAs until reading about them on here recently. I requested reports from ChexSystems, LexisNexis, SageStream (report and score) and Innovis. Still need to request ARS, but seems that can only be by mail.

LexisNexis just came the other day. I have some minor errors as well, including random phone numbers I've never seen before. I think one might be my brother's old number, but he has lived in Germany for the last 5+ years and I don't think it is active anymore. I also have some online marketing records with my mom's old work email, but not sure if it is even worth bothering with those.

Re: Lexis Nexis dispute question

calyx — Wed, 28 Apr 2021 15:37:17 GMT

@TampaBAY86 - Just incorrect addresses & phone numbers. They're related to 1. Fraudulent accounts 2. Extended family (think first cousin once removed) and 3. A guy I dated for a few months back in the 90s (seriously).

Re: Lexis Nexis dispute question

M_Smart007 — Wed, 28 Apr 2021 21:03:05 GMT

@calyx, I found it much easier to just "FREEZE" LN and opt out. Nothing Wrong, just way to much information.

That was a couple years ago (or so) .. have not been declined for LN freeze.

Or , I have not hit the right lender yet.

Re: Lexis Nexis dispute question

805orbust — Wed, 28 Apr 2021 22:21:23 GMT

@M_Smart007 No issues huh? I'm jumping into the secondary bureau freezes/data correction and was under the impression that LN was a common underpin when applying for new credit. So far it was the only one I didn't freeze. Were any of your apps for a mortgage? Thats really the only thing I've got coming up for the next few years. I'd LOVE to freeze that one.

Re: Lexis Nexis dispute question

M_Smart007 — Wed, 28 Apr 2021 22:32:34 GMT

@805orbust wrote:
@M_Smart007 No issues huh? I'm jumping into the secondary bureau freezes/data correction and was under the impression that LN was a common underpin when applying for new credit. So far it was the only one I didn't freeze. Were any of your apps for a mortgage? Thats really the only thing I've got coming up for the next few years. I'd LOVE to freeze that one.

Hi @805orbust , No Mortgage apps. (I have no LN DP's on that)

I have opened 34+ CC's with "ZERO" frozen LN Issues .. multiple lenders (CU's , Regional & Non-Regional banks)

(click image to LOL)

Re: Lexis Nexis dispute question

805orbust — Wed, 28 Apr 2021 22:45:57 GMT

🤣🤣🤣 Ok noted. I am definitely in no danger. I'm freezing it for sure. NOT looking forward to going thru it for errors... I've heard some nightmare scenarios about them and their data. 😉

Re: Lexis Nexis dispute question

coldfusion — Thu, 29 Apr 2021 02:13:55 GMT

@calyx I did it in one fell swoop and they got it right the 1st time. When they're done they send you a link so you can download and review the updated report, they no longer send you a hard copy.

p.s. in response to some of the other comments in the thread I'm of the mindset to FIX stuff instead of sweeping it under the carpet by freezing. If the day comes when you need to unfreeze it the cruft will still be there so you'll have to either take the time to fix it or expose it as-is. IMO if you want to freeze on principle go ahead, but fix first.

Re: Lexis Nexis dispute question

calyx — Thu, 29 Apr 2021 19:09:07 GMT

@coldfusion - Thanks!

@M_Smart007 - Mine is frozen, but I also don't think having a bunch of fraudulent/incorrect information is a great idea when I can clean it up. If it were just random second cousins' addresses, that's one thing, but there's a lot of misinformation I want off just because I have had fraudulent accounts and the more correct a file is, the better, IMO.

Re: Lexis Nexis dispute question

Anonymous — Tue, 11 May 2021 23:30:03 GMT

FYI, Nusenda and AmEx have pulled LN.

Re: Lexis Nexis dispute question

Anonymous — Sat, 27 Nov 2021 20:14:01 GMT

I want to clean up my messy LexisNexis.

When you clean up LN, do you write a letter with each incorrect item as follows?:

item - address
description - 123 Main St Pleasant OH 54321
location on the report- pg 8
the reason it's incorrect - do not recognize address, please delete from file

I'm not sure what's the best format and what to write, or if there is a template elsewhere on the forum? Any advice would be welcome.

Re: Lexis Nexis dispute question

calyx — Mon, 29 Nov 2021 15:41:37 GMT

@Anonymous wrote:
I want to clean up my messy LexisNexis.

When you clean up LN, do you write a letter with each incorrect item as follows?:

item - address
description - 123 Main St Pleasant OH 54321
location on the report- pg 8
the reason it's incorrect - do not recognize address, please delete from file

I'm not sure what's the best format and what to write, or if there is a template elsewhere on the forum? Any advice would be welcome.

HI @Anonymous

I just wrote a simple bulleted letter.

These items are incorrect/not affiliated with me in any way:

Address 1
Address 2
Phone 1
Phone 2

Thank you for your time, etc.

The only time I've had to submit extra stuff was when I was contesting my name. LN & EX had me listed under an alt. that I've never, ever used.

Re: Lexis Nexis dispute question

Anonymous — Tue, 30 Nov 2021 11:23:06 GMT

The dispute is still going on???

@Anonymous wrote:
FYI, Nusenda and AmEx have pulled LN.

Re: Lexis Nexis dispute question

collics — Tue, 30 Nov 2021 13:46:02 GMT

I disputed something pretty major, thinking they'll just respond back that it was verified as accurate. Took a shot anyway.

They deleted the info because they didn't complete the investigation in the required FCRA (?) timeframe. I was shocked.