YDYL /// YOUR DATA, YOUR LIFE

LexisNexis Risk Solutions

The aggregation layer beneath insurers, lenders, employers, and law enforcement, holding public records, court data, and credit headers on effectively every adult American.

What they have
  • Public records and court filings
  • Address and identity history
  • Credit header data
  • Insurance claims history (C.L.U.E.)
  • Vehicle records
  • Professional licenses
Who they sell to
  • Insurers
  • Banks and lenders
  • Employers and landlords via screening products
  • Government and law enforcement

How to make them delete it

They demand · Documentation-gated: identity-theft victims (police report or affidavit), public/elected officials and law enforcement (supervisor letter citing threat), or private individuals at risk of physical harm (protective order, police report, or shelter/healthcare letter). Ordinary consumers without such documentation do not qualify for suppression
Turnaround · Weeks, with partial scope
  1. Request your full disclosure report first, so you know what they hold
  2. File the information suppression request if you qualify under their criteria
  3. For FCRA-governed products, dispute inaccuracies through the FCRA process instead, which they must honor
  4. CA residents can file deletion for non-FCRA products under the Delete Act
  5. Keep every confirmation. This is a multi-front process by design
The catch — why this won't stick

You mostly cannot opt out. General consumers are excluded from suppression, approved suppression still doesn't touch law-enforcement-facing or FCRA-regulated products, and the records regenerate from courthouse and government sources they will simply re-ingest.

Your legal leverage
  • FCRA (dispute rights on covered products)
  • CCPA / Delete Act (non-FCRA products, CA residents)
Verified breaches
  • May 2025: disclosed that an attacker used a compromised account to pull data from its GitHub development account, exposing personal information of 364,333 people (names, DOBs, SSNs, driver's license numbers, contact details; breach dated Dec 25, 2024, discovered Apr 1, 2025, filed with the Maine AG May 28, 2025)

The letter, pre-written

DSAR right-to-know request with this broker's name filled in. Fill in your details below (they stay in your browser), keep a dated copy of what you send.Template details →

Fill in your details — stays in your browser

Everything you type here is inserted into the letter on this page and saved in this browser only, so you don't retype it for every broker. It is never sent to us or to anyone. 

Subject: Request to Know / Access Personal Information

To the Privacy Compliance Team at LexisNexis Risk Solutions:

I am exercising my right to know under [the CCPA, Cal. Civ. Code § 1798.110 / my state's equivalent statute / your published privacy policy].

Within the statutory window, please disclose to me:

1. The categories and specific pieces of personal information you have collected about me
2. The categories of sources from which it was collected
3. The business or commercial purpose for collecting or selling it
4. The categories of third parties to whom you have sold, shared, or disclosed it, and which categories of my information went to each
5. Any inferences you have generated about me, including modeled or derived attributes and audience segments

Information to locate my records:

- Full name: [NAME, plus prior names]
- Date of birth: [DOB]
- Current and prior addresses: [ADDRESSES]
- Phone numbers and emails: [CONTACT]

Provide the disclosure in a portable, readable format. Please confirm receipt, and identify in writing the specific legal basis for anything you decline to disclose.

[NAME]
[DATE]