@Anonymous wrote:I believe the practices of these "other" reporting agencies are sloppy and suspect, and they don't always get information from legitimate sources. There are apparently addresses on LexisNexis for me because they just randomly grabbed an address of someone with the same last name whom I don't know and who lives in a totally different state. And I'm positive it's not an identity theft issue, it's just these rather worthless secondary agencies picking up easy (and incorrrect) information in a sloppy manner.
When I've been asked security questions a few times by two different lenders, I have come to know what the "incorrect" answers are that they are looking for and provide those answers (inclouding questions about a car I've never owned). Pretty sad to have to do that because of their sloppy business practices, and from what I have seen others on the board reporting, these secondary ( I call them second rate) agencies will not remove incorrect information.
There really needs to be some oversight of these types of agencies who do this.
Read the one I just posted about this stellar company!
@Anonymous wrote:I believe the practices of these "other" reporting agencies are sloppy and suspect, and they don't always get information from legitimate sources. There are apparently addresses on LexisNexis for me because they just randomly grabbed an address of someone with the same last name whom I don't know and who lives in a totally different state. And I'm positive it's not an identity theft issue, it's just these rather worthless secondary agencies picking up easy (and incorrrect) information in a sloppy manner.
When I've been asked security questions a few times by two different lenders, I have come to know what the "incorrect" answers are that they are looking for and provide those answers (inclouding questions about a car I've never owned). Pretty sad to have to do that because of their sloppy business practices, and from what I have seen others on the board reporting, these secondary ( I call them second rate) agencies will not remove incorrect information.
There really needs to be some oversight of these types of agencies who do this.
+1
I've learned it's simpler to just reply with the wrong answer as well. 
In my case it is an old address... they have the subdivision name (only displayed on the property deed) in place of my street, so when I see it in a list I know it's what they are looking for, but it's not correct. From what I have read, getting it corrected is likely to be a Sisyphean task, so I'm putting off tackling it for when things are a bit calmer... LOL.
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 
@Anonymous wrote:Hi officer,
I included your story here so others could see it. LexisNexis, IDA/Sagestream and all of these other nonsensical companies that are not one of the main 3 credit bureaus should really be shut down.
I know for a fact they have wrong addresses for me, information about a car I've never owned, and information about me going to graduate school in a state I've never lived in. I know with full certainty it is not related to identity theft; it's just their sloppy business practices. I really think they grab public information from people with similar last names and just stick it on anyone's report.
I only know they have the above information wrong from security questions I've been asked - I have never pulled one of these secondary reports. With so many people reporting that wrong information cannot be changed, I figure I will just end up getting myself really mad (see officer's story below). Very sad.
This is a big problem for many people that needs to be fixed.
I agree 100%!! They do not realize that the information provide to their surscribers do end up on a person's credit report. Yesterday I got the address for the guy mentioned in my story removed from my EX report (grumbling). They do not realize that their inaccurate reporting can and does cost people. If I can't verify the information I can lose my clearances and access to information that I have to access in the performance of my job.
He is another good exmaple of some of their glorious information: years ago my sister bought a car from a tote the note lot that reports the bureaus. She had a heaert attack and lost her job, got behind on the bills and lost her car. She had a pickup truck. Fast forward to a few months ago and the sheriff's department shows up at my mother's house to seize my mother's car to settle the debt left owed on my sister's car. My mom's car is owned free and clear and I have the paid off title in my safe and my sister has never been associated with my mother's car which is solely in my mom's name. My mother and my sister's maiden name are the same, my sister's current legal name has been different for almost 30 years. LexisNexis is reporting that my sister lives at my mother's address, she uses her married and maiden names and even though my sister's SS# is right on the paperwork for the court case and everything they tried to attach to my mother's vehicle even though she has a different SS#. Spoke to the attorney representing the the old case and they said they can see that the names AND SS# is different but LexisNexis says that my moms car is my sisters and they tried to attach to ti. I finally got that settled and they arent trying to take my mothers car (plus the fact that I informaed the atty that the next person steppoing foot on the property trying that crap was going to jail for criminal trespassing) any more. I monitor my mother's CRAs and handle all of her bills and such and a few days ago what happens? The case against my sister's almost 7 year old debt over a truck lands on my mother's credit reports! In the process of disputing those with the CRAs now.
