Jump to content

Lexis-Nexis is Really Scary


argento05
 Share

Recommended Posts

Check out this link to L-N.

http://www.lexisnexis.com/collectionssolutions/default.asp

and take a look at the web site as a whole. I don't buy the fact that a CA can't find someone if they wanted to. If what I see on the LN link above is true, then they have your ENTIRE life history on file, including family, room mates, neighbors, etc.

Does anyone know how to pry individual information out of them -- like a "Free annual report" on what they have on us like we can get with the big 3?

Talk about Big Brother!

Link to comment
Share on other sites

:shock:

Actually, it seems like all the info they have is what is considered public record and available anyway. This just seems to lump the info in a nice neat little package ::celebrate:: for them.

Kind of scarey but I guess we all live our lives publically these days. :?

Link to comment
Share on other sites

Finding neighbors is old hat. Ever heard of the backwards phone book and the Criss-Cross?

The backwards phone book is just that - a backwards phone book. Back in the "old days" of Ma Bell, everyone in a close area would have similar phone numbers. Criss-Cross is a directory owned by Haines Inc. that usually takes phone directory info, and puts it into address and streets order. So you'll see listing for 10 houses on a block and who lives in each one and which side of the street in case Guido wants to come visit, with their phone number.

Professional records - that's public info from the state, county, or city. DL numbers - same thing. SSN - if you know how SSN's are constructed.

They are just selling one nice package to show it all.

Link to comment
Share on other sites

It gets a whole lot worse than that! Lexis is pretty generic and public compared to some of the other databases! Some obtain cell phone logs for the past 15 years, unlisted phone numbers, employment and past salary information, arrests, you name it, they got it! Your whole life on a LCD screen.

Link to comment
Share on other sites

They are still subject to the FCRA and should give you a free annual report.

Actually almost all companies that do background checks, screenings, and public records are not subject to the FCRA...

The reason for that is because they do NOT maintain a database about you. In fact, they don't keep any records... What they do is just snapshot of what is in other people's databases.

Any place that does maintain a database or a record of you is subject to the FCRA.

And as for this being startling, it really is not... It has been around for a very long time... Way before the web... People have been peddling private information as soon as private information was available...

In San Antonio, Texas, there is the Cole's Directory. It has EVERYTHING about the residence you live in... Phone numbers (even unlisted), etc... There have been so many sources for such a long time. What makes it scary is that the Internet has allowed it to become greatly simplified and easy to obtain for so little money.

Back in the old days, people had to pay a fortune for this kind of information unless you were willing to look it up yourself...

Link to comment
Share on other sites

Finding neighbors is old hat. Ever heard of the backwards phone book and the Criss-Cross?

The backwards phone book is just that - a backwards phone book. Back in the "old days" of Ma Bell, everyone in a close area would have similar phone numbers. Criss-Cross is a directory owned by Haines Inc. that usually takes phone directory info, and puts it into address and streets order. So you'll see listing for 10 houses on a block and who lives in each one and which side of the street in case Guido wants to come visit, with their phone number.

Professional records - that's public info from the state, county, or city. DL numbers - same thing. SSN - if you know how SSN's are constructed.

They are just selling one nice package to show it all.

This another reason why you should contact Haines to be removed from their mailing lists.

Its in the stop the junk mail section of the website or if not here:

http://www.oakchapel.com/temporaltips.html

Link to comment
Share on other sites

[quote name="Ravenous WolfActually almost all companies that do background checks' date=' screenings, and public records are not subject to the FCRA...

The reason for that is because they do NOT maintain a database about you. In fact, they don't keep any records... What they do is just snapshot of what is in other people's databases.

Actually, you are wrong. The FCRA does not require a CRA to maintain a database. There is even caselaw on this. Read the definition, it mentions nothing about a database:

(f) The term "consumer reporting agency" means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

Technically, FICO is a CRA because they evaluate consumer credit information. I just haven't had time to research why they don't comly and tell people how they compute scores.

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.