In today's data-driven world, companies like LexisNexis Risk Solutions collect and maintain vast amounts of personal information from public records, proprietary sources, and third-party data. This information can influence decisions about your insurance rates, employment background checks, or other services. Under the Fair Credit Reporting Act (FCRA), you're entitled to see what's in your file — and it's free.
The page at https://consumer.risk.lexisnexis.com/request is the official online portal where U.S. consumers can request their LexisNexis Risk Solutions Consumer Disclosure Report. This helpful guide explains what the report is, why you might want it, how to request it, and what to expect.
What Is LexisNexis Risk Solutions?
LexisNexis Risk Solutions is a major consumer reporting agency (CRA) that provides data to businesses like insurers, lenders, and employers. Unlike the big three credit bureaus (Equifax, Experian, TransUnion), LexisNexis specializes in areas such as:
- Insurance claims history (including the C.L.U.E. database for auto and property claims)
- Public records (liens, judgments, bankruptcies)
- Real estate ownership and transactions
- Historical addresses, phone numbers, and more
They compile this from public sources and other databases, and it's used for risk assessment in insurance, fraud prevention, and other purposes.
Why Should You Request Your Report?
Requesting your report lets you:
- See the personal information LexisNexis maintains about you
- Check for inaccuracies that could affect insurance premiums, job applications, or other decisions
- Understand what businesses see when they pull your data
- Dispute errors under FCRA protections
Many people discover surprisingly detailed histories — one consumer reported a 100+ page document including past addresses, vehicles, insurance claims, and more. It's eye-opening and empowers you to correct mistakes.
Residents of certain states (like California, Colorado, Maryland, Minnesota, Virginia, and others) may also receive a State Privacy Act Report alongside the FCRA disclosure, offering extra insights and rights under state privacy laws.
How to Request Your Report Online (The Easiest Way)
The page provides a secure online request form. Here's the step-by-step process:
1. Visit https://consumer.risk.lexisnexis.com/request.
2. Fill in required fields:
- First and last name
- Street address, city, state, ZIP code
- Date of birth
3. Optionally provide (helps verification):
- Social Security Number or Driver’s License number and state
- Email address (useful if email-linked data exists)
4. Check the box for "Request Your Consumer Disclosure Report".
- Eligible state residents automatically get the combined FCRA + state report.
5. Optionally check for a "Description of Procedure Letter" (explains dispute processes).
6. Submit the form.
Important notes:
- Your info is used only for identity verification and disclosure — not sold or shared.
- If identity can't be verified or matched to records, the request may not be fulfilled.
- For minors, call 1-866-897-8126 with supporting documents.
Alternatives:
- Mail: Download and send the printable form to LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108.
- Phone questions: Call 1-888-497-0011 (Monday–Friday, 8 AM–7 PM EST).
What Happens After You Submit?
- LexisNexis verifies your identity.
- You'll receive a letter via U.S. Mail (within legally allowed timeframes, often within days to weeks) with instructions to access your report online (usually a PDF link).
- If issues arise (e.g., verification problems), they'll notify you by mail with next steps.
- Processing is free — one request per 12 months under FCRA/FACT Act rules, though more if adverse action occurred.
Tip: If nothing arrives in about 10 days, contact their Consumer Center.
What Might Be in Your Report?
Reports can include:
- Historical names, addresses, and phone numbers
- Real estate deeds, tax assessments, and ownership details
- Liens, judgments, bankruptcies
- Professional licenses
- Insurance claims (auto/property via C.L.U.E.)
- Motor vehicle records (violations, ownership)
- Sometimes education, business affiliations, or inquiries
It's comprehensive — and that's why reviewing it matters.
Additional Rights and Tips
- Disputes: If you spot errors, follow instructions in your report or contact them to dispute.
- Security Freeze: Available to restrict access (see their freeze page).
- More info: Check their help page (/help), FCRA rights summary, or privacy policies on the site.
- Stay proactive — especially if you've had insurance denials, higher rates, or background check issues.
Requesting your LexisNexis report is a simple, no-cost step toward better control over your personal data. Head to https://consumer.risk.lexisnexis.com/request today — knowledge is your best defense in the world of consumer data! If you run into issues, their support team is there to help.
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