Do you have a C.L.U.E. about LexisNexis?

[Decio]

We’ve had several threads here about insurance costs, so I want to share what I’ve recently learned about a tool used by some companies in insurance industry to help determine your quotes (auto, home, etc.) and what a consumer can do to save money.

Insurance companies can hire companies like LexisNexis that compile information from a variety of sources – some you opt into like a credit card, others you don’t like USPS – to help determine your risk factor. Chances are, you know to check your credit history at least annually for free at AnnualCreditReport.com, but have you ever heard of checking your “Consumer Disclosure Report” from LexisNexis or your “C.L.U.E. Comprehensive Loss Underwriting Exchange” report? I hadn’t until I read about it in a national newspaper last week.

It's almost like they don’t want you to know what’s in these reports. If you are comfortable entering all your personal information online (don’t worry, they already have it), you can use this link to request your report: https://consumer.risk.lexisnexis.com/request. I did and I received a thin envelope a week later with – not the report – but a URL to type in exactly that takes you to a password-protected page to download your report. You cannot open the report until you enter the password again and attest that you are a human.

My mailing contained only the first 2 pages of my 84-page report. The report contained:

• Identification Records
• Address Characteristic Record
• Business Association Records
• Online Marketing Records
• Property Assessor Records
• Insurance Policy Records
• Automobile Insurance Claim Records
• Property Insurance Claim Records
• Driver License Records
• Inquiry Records

They had an impressive amount of dirt on me. Every address I’ve ever had, my SSN, variations of my name, my home insurance claim, my auto glass claim, and all the times Credit Karma did a soft pull on my credit to pre-qualify me for offers (2-4 times a month!). At least that last one is harmless. If I had any moving violations, I'm sure they would have been on here too.

I have 2 points to make:

• Get educated about what is in your C.L.U.E. report as if there is any inaccuracy here it is undoubtedly costing you money. There are details on how to file disputes in your report.
  
  
• I mentioned in other posts about the sale of telematic data from your Wi-Fi or modem-connected Mustang. This is not speculation or a theory – this company has a whole section of the website dedicated to the sale of this information. “Quickly assess driver risk and price with greater precision with telematics data at the point of quote.” https://risk.lexisnexis.com/products/telematics-ondemand

I’m no insurance insider, or any insider really, and if I offered any misleading or inaccurate information, please do correct me. I believe the information here to be genuine. I’ll be adding this to my annual routine right along with checking my credit history – which I also recommend as errors there are definitely costing you money as well.

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[P2]

I feel like it's 1984...

 

[Skye]

I'd recommend everyone reviewing their data once a year, for accuracy. Not only for your credit score and how it directly impacts your finances, access to insurance or rates, but employment.

I've used annualcreditreport.com multiple times. Great site. Doesn't take long to go through each of the agencies. I learned about CLUE last year and have been reviewing that information as well.

None of this information evaporates. It's always there. And the credit and insurance agencies aren't the only ones. Any store, any transaction, is archived. Data mining and modeling is an industry onto itself.

 

[Interstellar]

People worried about Alexa’s in your house but fail to realize we’ve already been tracked for decades

 

[Zig]

People worried about Alexa’s in your house but fail to realize we’ve already been tracked for decades

Sometimes the *bad thing* you know is better than the one you don’t.

 

[dbroush7]

Thank you for posting this. I appreciate the deets.

 

[LETHAL]

This is legit. We use it daily for my line of work. It's not auto insurance though. LOL

 

[roadpilot]

Case law, articles, publications, news, court documents, lawyer marketing, law practice management tools, media monitoring tools, supply management tools, sales intelligence solutions, and market intelligence tools.

 

[Alan Applegate]

The truth is glaringly evident, if you care to look for it. To wit, anything and everything you do, or spend data wise, will be well known to a myriad of miscreants. Hell's fire, some smart phones track you even when they're turned off. Some digital TV brands take photos of you, and add it to the tracking data about your program habits. If you receive a phone call on your smart phone, everything about you is already tracked. If it wasn't, you wouldn't have gotten the call.

If you want your data safer, talk to your congress representatives. Even then, they'll add a provision so 'they' can track you. George Orwell was a clairvoyant!

 

[Zig]

The truth is glaringly evident, if you care to look for it. To wit, anything and everything you do, or spend data wise, will be well known to a myriad of miscreants. Hell's fire, some smart phones track you even when they're turned off. Some digital TV brands take photos of you, and add it to the tracking data about your program habits. If you receive a phone call on your smart phone, everything about you is already tracked. If it wasn't, you wouldn't have gotten the call.

If you want your data safer, talk to your congress representatives. Even then, they'll add a provision so 'they' can track you. George Orwell was a clairvoyant!

How do you ask facebook to delete the data it knows about you without telling it who you are?

 

[marco7G]

I didn't know what it was until yesterday. Thanks for the short description and tips!

 

[steveo1960]

I requested an Op-Out a couple of weeks ago and I've just received the reply from LexisNexis.
To me, it looks like plenty of agencies will still have access to my data

**********************Quote***************

Thank you for your interest in LexisNexis' information suppression program. Your request to have information suppressed from LexisNexis publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from LexisNexis products and services.


Please note that your information will remain in the following products and services: restricted public records products which are available to commercial and government entities that meet LexisNexis credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions; products regulated by the Fair Credit Reporting Act; third party data available through real time gateways; news; and legal documents.


This suppression request does not expire, and LexisNexis will attempt to suppress all of the information available based on the information you provided in your opt-out request. Due to the variations in personal information contained in public records, or insufficient or inaccurate information provided in a suppression request, it is possible that personal information about you may be reintroduced to LexisNexis products in the future. If you become aware that your personal information is available through LexisNexis publicly facing products in the future, please notify the LexisNexis Privacy Hotline and the issue will be investigated so that we may take appropriate action.


Should you have any questions regarding this confirmation notice, please contact the LexisNexis Privacy Hotline at 1-800-831-2578.

 

[Skye]

To me, it looks like plenty of agencies will still have access to my data

Very much so. Even with any temporary pauses, those can end as soon as a new product is bought, service is agreed to, employment changes, etc.

The rating agencies, corporations, federal, state and county offices are either generating revenue or mining the data to determine customer experiences, premium risk, etc.

Specific to the insurance industry and homeowners, more and more companies are also using Google Earth to help determine loss risk, adjusting premiums accordingly. In the instances I have read of, the homeowner is given 30-60 days to make changes. For example, in the SE, people are asked to clear trees too close to their homes, to help reduce risk of roof damage. The Owner can cancel their policy, make changes, pay a higher premium or be dropped.

I have two goals: 1) limit my digital profile and maintain personal security as best I can and 2) review the data that is at these agencies, to ensure it is accurate. In one instance, I found a SUV registration in another state Lexus had associated with me. Did that affect, my auto policy? I don't think so, as we certify the vehicles covered with that carrier. Did it affect anything else? I don't have a clue.

Edit,

Individual companies will also maintain records on individuals. Everything ever purchased is cataloged. Data is mined, with things like coupons and e-mails tailored to each person. Same with cell phones. While businesses do not directly associate your person with your phone, they will track peoples' devices inside the store, to study things like layout and product placements.

Companies considering building or closing stores will purchase cell data from providers, to review vehicle and pedestrian traffic patterns, when considering a property purchase or lease renewal.

It's near constant data collection of all kinds.

 

[Ryunker]

We’ve had several threads here about insurance costs, so I want to share what I’ve recently learned about a tool used by some companies in insurance industry to help determine your quotes (auto, home, etc.) and what a consumer can do to save money.

Insurance companies can hire companies like LexisNexis that compile information from a variety of sources – some you opt into like a credit card, others you don’t like USPS – to help determine your risk factor. Chances are, you know to check your credit history at least annually for free at AnnualCreditReport.com, but have you ever heard of checking your “Consumer Disclosure Report” from LexisNexis or your “C.L.U.E. Comprehensive Loss Underwriting Exchange” report? I hadn’t until I read about it in a national newspaper last week.

It's almost like they don’t want you to know what’s in these reports. If you are comfortable entering all your personal information online (don’t worry, they already have it), you can use this link to request your report: https://consumer.risk.lexisnexis.com/request. I did and I received a thin envelope a week later with – not the report – but a URL to type in exactly that takes you to a password-protected page to download your report. You cannot open the report until you enter the password again and attest that you are a human.

My mailing contained only the first 2 pages of my 84-page report. The report contained:

• Identification Records
• Address Characteristic Record
• Business Association Records
• Online Marketing Records
• Property Assessor Records
• Insurance Policy Records
• Automobile Insurance Claim Records
• Property Insurance Claim Records
• Driver License Records
• Inquiry Records

They had an impressive amount of dirt on me. Every address I’ve ever had, my SSN, variations of my name, my home insurance claim, my auto glass claim, and all the times Credit Karma did a soft pull on my credit to pre-qualify me for offers (2-4 times a month!). At least that last one is harmless. If I had any moving violations, I'm sure they would have been on here too.

I have 2 points to make:

• Get educated about what is in your C.L.U.E. report as if there is any inaccuracy here it is undoubtedly costing you money. There are details on how to file disputes in your report.
  
  
• I mentioned in other posts about the sale of telematic data from your Wi-Fi or modem-connected Mustang. This is not speculation or a theory – this company has a whole section of the website dedicated to the sale of this information. “Quickly assess driver risk and price with greater precision with telematics data at the point of quote.” https://risk.lexisnexis.com/products/telematics-ondemand

I’m no insurance insider, or any insider really, and if I offered any misleading or inaccurate information, please do correct me. I believe the information here to be genuine. I’ll be adding this to my annual routine right along with checking my credit history – which I also recommend as errors there are definitely costing you money as well.

Telematics:

Ford is not currently sharing connected vehicle data with LexisNexis for insurance purposes. Despite a 2021 announcement of a partnership to provide driving behavior data from 2020 and newer Ford and Lincoln vehicles for usage-based insurance (UBI) programs, Ford has confirmed these initiatives never launched. A Ford spokesperson stated, "Ford does not transmit any connected vehicle data to LexisNexis or Verisk," and any data sharing for UBI would require explicit customer consent through an in-vehicle touch screen prompt.

What data is collected and offered to insurance companies?


This data includes:

• Trip Details: Start and end times, duration, and distance of each trip.
• Driving Behaviors: Instances of hard braking, rapid acceleration, and speeding (e.g., speeds over 80 mph).
• Mileage: Near real-time mileage data for underwriting purposes.
• Driving Scores: Personalized scores based on driving habits, which can influence insurance premiums.
• Vehicle Data: Information on vehicle safety features, such as Advanced Driver Assistance Systems (ADAS), normalized for insurer use.
• Time-Based Metrics: Patterns like late-night driving (e.g., between midnight and 4 AM).

From automakers like General Motors, Kia, Subaru, Mitsubishi, and others, often through optional connected-car services like GM’s OnStar Smart Driver or Kia Connect.

 

[steveo1960]

I've signed up with several data broker removal companies. Incogni being one of them. Totally worth the money in time saved... Check Kim Komando's site for discounts. You will be shocked at how much information the data brokers have an sell. It's not perfect, nothing is, but it's cheap and works.. https://www.komando.com/

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