Broker check
Is LexisNexis Risk Solutions legit and safe?
Reviewed August 1, 2026
Short answer
LexisNexis Risk Solutions is a legitimate, heavily regulated data company, and it is also the one on this site most likely to hold a file about you that you have never seen. It agreed to a $13.5 million class settlement over reporting living consumers as deceased. Its suppression programme is far narrower than most guides admit, but your right to see and dispute the file is not.
| Type of site | Credit and risk brokers |
|---|---|
| Cost to remove yourself | Free |
| Time to submit the request | 15 minutes |
| Account required | No |
| Typical time to disappear | varies |
| Enforcement actions we found | 1 documented - see the public record below |
Is LexisNexis Risk Solutions a scam?
No. It is a division of a major information company serving insurers, lenders, government and law enforcement. The uncomfortable part is not its legitimacy but its reach: it holds a consumer file most people do not know exists.
What LexisNexis Risk Solutions actually is
A risk-data and analytics business. Its consumer-facing products include reports used in insurance underwriting and lending, built from public records, claims history, address history, vehicle and licence data and commercial sources.
Where LexisNexis Risk Solutions gets your data
Public records, court and property filings, insurers contributing claims data, licence and vehicle records where permitted, and commercially purchased data.
Is it legal?
It is listed by the CFPB among nationwide specialty consumer reporting companies, which means the FCRA applies: you are entitled to a free consumer disclosure of your file once every twelve months and to dispute anything inaccurate in it. Note that its public-records suppression programme explicitly does not apply to FCRA-regulated products or products for law enforcement.
What LexisNexis Risk Solutions exposes about you
- Address history and known aliases
- Relatives and associates
- Property, vehicle and licence records
- Insurance claims history
- Public records aggregated into risk products
The real risks
- An inaccurate entry can raise your insurance premium or cost you a policy, and you may never be told which report caused it.
- Being wrongly flagged as deceased is not hypothetical here - it is the subject of a multi-million-dollar settlement.
- Suppression is restricted to narrow categories of people, so most readers cannot opt out even if they want to.
- The file is invisible unless you request it, so errors can sit uncorrected for years.
LexisNexis Risk Solutions's public record
Settlement reported
LexisNexis Risk Solutions agreed to pay $13.5 million and reform aspects of its debt reporting to resolve Fair Credit Reporting Act claims, in litigation covering consumers reported with a deceased notation. Reporting a living person as dead is a textbook example of the accuracy problem the FCRA exists to police.
Courthouse News Service, LexisNexis $13.5M debt-reporting settlementWhat to do about it
You can remove yourself for free, and you do not need a reason. Our step-by-step LexisNexis Risk Solutions opt-out guide covers the current process - about 15 minutes, no payment, and no account needed in most cases. Expect to repeat it every few months, because these listings rebuild from public records. If you would rather see which sites list you before starting, the free exposure scan checks the major brokers, known breaches, and public profiles tied to your username without storing anything.
California residents have a stronger option: the state's free DROP platform sends a single binding deletion request to every registered data broker. Everyone else can see what your state allows.