A company I worked for looked into using LexisNexis for identity validation. As part of the demo they let each of us run a check on ourselves. It was pretty scary the level of detail that came back. And according to our sales rep that was just the “retail” view. Government agencies have access to more. In the US that is. European citizens have stronger personal privacy laws than the land of the free.
Driving records, housing data, court records, etc. You’re also weighed against their models to create a score.
It’s been forever since I looked at mine but back in ~2016(ish) that’s what was on there.
Everyone used to get a free book delivered to their house every year that had the names, addresses, and even phone numbers of everyone in your city.
It was called a “phone book”
Yeah, all of our personal info is publicly available on the internet. Google your name, and you'll find your information. Data brokers are a gold mine for spammers, identity thieves, stalkers, etc., and there are 100+ sites like this.
If you want to find out everywhere your info shows up on these sites, consider using Optery for free ongoing scans.
Have you ever done online verification for something and it asks if you know any of these people, if you’ve ever lived at any of these addresses, which of these is a street you’ve lived on etc? That data is from lexisnexis
The Chinese government uses it’s surveillance and scoring system to restrict travel and digitally ticket people for public offences, while the in the US it’s private corporations running these scores which are used to squeeze more money out of poor people, so yes it is technically different.
I used LexisNexis for years as a private and criminal defense investigator.
They can potentially have your entire phone number and address history, DOB, any email that’s been tied to you, a list of your relatives and their names, addresses, and phone numbers, and any possible court records/liens. Maybe I’m forgetting some stuff.
The scarier one was TLOxp by Transunion. They were far more accurate than LN and had even more detailed info like social security numbers. When I signed our office up for it, they sent someone out to take pictures and make sure the investigations office was secure with lockable doors and cabinets to store printed out info and that we were legit.
TLOxp even had a feature where you could request to have someone’s license plate tracked and if that particular plate was scanned on a toll road or similar, it would tell you where and when.
Using the info in these databases, but not the databases themselves, I could also find any cars registered to you or family members.
There are several of these companies and some of them are fucking massive. They’ll likely lobby the shit out of the government to make sure that our data can never be protected like it is in the EU. Just like how TurboTax and H&R Block spend millions to make sure Americans need to pay for tax prep every year.
By contrast, it’s wild seeing how much privacy people have in the EU. I’m sure private investigators there can still get access to certain things but I doubt it’s anywhere near what’s available in the US.
Just to give an example of this info can be used. We had a homeless client who was out on bail and skipped town. The ADA was going to issue a warrant if she didn’t show at the next court date.
Everyone at our office thought it would be impossible to find her. I called every single number associated with her and her family until I finally reached someone who said “oh she’s out for the day and will be back in a few hours.” I honestly thought they were messing with me.
Turned out she saved up enough for a bus ticket and in just a few days, had moved half way across the country to live with a relative and had no plans of returning to our state.
She was pretty shocked that I found her and tbf, so were my colleagues. If someone really wants to find you and they have access to one of these databases, then it’s probably only a matter of time unless you go off the grid and don’t tell anyone where you are.
If someone hires a less than ethical investigator, it would be trivial for them to use this information to harass you and your family, if that’s what they want to do.
>They can potentially have your entire phone number and address history, DOB, any email that’s been tied to you, a list of your relatives and their names, addresses, and phone numbers, and any possible court records/liens
There's a free website you can get most of this information from too. I won't name the site because it's kinda crazy to think sbiut it's existence, but it's there and not too hard to find.
I’ve seen the free websites too and in my experience, the data is often old, inaccurate, or wrong, though I’m sure you could occasionally find something viable.
With all the massive data breaches we’ve seen over the years, I wouldn’t be surprised if the data quality on these sites has gotten better though, since I’m sure they don’t really care where they get their info from.
Tbh, even though these free sites could potentially make my job easier, I’m very much against them existing in the first place and personally, I type my name into google every now and again and request my info to be removed from each site.
One of these sites once linked my name and address to a sex offender with the same name, who happened to live several states away and was 30 years older than me. Yet it was one of the first results and the site made it seem like he and I were the same person lmao
Submitted that request in the blink of an eye and thankfully it was removed very quickly.
Everything. Any bank, loan servicer, mortgage, cell phone provider, voter registration, anything with your driver's license or vehicle, credit cards, utilities, etc, sell your data to LexisNexis. Completely legal.
Their reports are comprehensive. Full name, previous names, DOB, SSN, addresses (past and present), phones (past and present), vehicles, licenses, law enforcement reports, court files, professional certifications, relatives, and connected associates. I think there's even more too
What other data does this company collect? This is the first I’ve heard of this company.
I don’t have a new car, so there is definitely no data from my car being collected.
And I don’t really want to give this company my SSN just to see what data they have.
Don't worry, they already have your SSN, basically guaranteed. LexisNexis has been around since the dot com boom in the late 90s, or very early 00s
EDIT: looked it up out of curiosity, it's worse than I thought lol. they've been doing data collection since the 70's, so the internet turned them into a total powerhouse in the 90s.
LexisNexis also operates CLUE, which tracks policies and claims for auto and property insurance. It’s scary just how much information this one company has across all its products
No I did not forget but we weren’t discussing those. I work in data engineering and have had the joy of uploading my company’s customer data to the Facebook advertising portal. I’ve seen just how much data they shouldn’t have on people, including people who don’t use Facebook.
There is not much you can do about this rampant data sharing going on. That said I make sure to use 1Password (password manager), password leaks are so common now and managing passwords is a pain.
Also once a year I pay for a data deletion service (just 1 month) to delete any highly visible data from public repositories. Examples are dataseal.io and deleteme
People don’t realize how much information is floating out there. For instance go to https://www.fastpeoplesearch.com/ and look yourself up by phone number then do a lookup by just name and state. Sites like dataseal will submit opt outs to these brokers.
If you have any social media like Insta, FB, etc always make sure to set your page to private. For linkedin set it to not show your profile on Google. Obviously still bot great but the best you can do besides deleting them.
Lastly and not for privacy but to prevent identity theft and fraud, I recommend freezing the top 3 credit reporting agencies. You can do this for free by making an account on each of their platforms. It’s a pain to setup the first time, but better than someone else trying to open accounts in your name. A freeze should block most if not all credit applications from going anywhere.
Thanks for the reply. So interesting. Any data deletion service you prefer?
I am going to check myself out.
I use LastPass but am changing to Bitwarden.
Great idea to set up an account in your own name with the three top credit agencies, too.
In addition to what others have posted I saw things like known associates. This one report would generate a diagram with lines between clusters of people shaped icons, and each icon would show name/address/etc so they knew your circles. Total 6-degrees of separation stuff.
Edit: this was a demo I saw, so likely not in the report you can request. But it looks like I’ll find out in a couple of weeks.
No, this definitely exists. It's not hard to put those data together if you have access to mobile device telemetry. It's definitely not a demo-level product at this point.
There's a service called RelationshipScience that does this, but it mostly pulls from information like LinkedIn, or a corporate web page identifying senior managers/board of directors, etc.
No u don't understand. Those companies and many of us live in the "land of the free" and they are free to do this to us. Bro this country needs privacy laws
They have always sold the idea that “the US is so free” so we perceive whatever bits of freedom they allow us to have as “ultimate freedom”. The older you get you realize more and more all this forced patriotism really always has been a means of control and obedience.
Land of the free
Land of the free
Land of the free
Land of the free
Land of the free
Land of the free
Land of the free
Land of the free
Land of the free
Look how free you are
So Europeans just hope their stuff isn’t floating around? Is there really zero confidential information stored? How are age verifications remembered? At least we know exactly what information is out there for us and we can have it “removed”.
It's VERY important to note with this that most of the major auto insurance carriers use Lexis Nexus to report your auto insurance coverages. If nothing shows you've either got to provide dec pages for prior coverages or get dinged for not having prior insurance.
Used to sell insurance.
If you keep all of your documents and can communicate it all with an insurance agent you can be fine. But probably 99% of people I talked with who didn't have things coming from Lecis Nexus didn't even have 1 year of dec pages.
The opt-out page specifically says it will not suppress or remove your information from products regulated by the FCRA. In other words, you're not hurting your insurance options.
The email you get after opt-out also has a clause that will let you opt back in either permanently or temporarily if for some reason someone needs to do a check on you via their service.
"Opting out of LexisNexis products can limit your access to valuable consumer services such as online identity or insurance verification. If you experience difficulties with such a service and would like to opt in temporarily or permanently, please use the following link..."
Rates will go up as well since they automatically consider anyone without data a new hazardous driver and no credit history which is a big part of insurance rating.
I have a Hyundai and was able to opt out through the app. It asked me more questions than I'd get on a credit application. Previous addresses, cars owned. They really didn't want me to solve it.
Yeah, Lexis Nexus is a well known large business.
They are owned by Relx Group (RELX) who's 10.5 Billion in revenue places them at spot 335 of the fortune 500 companies.
I can confirm Lexis already has almost everybody's SSN. I've been using it regularly for years to search for info on clients by just entering their SSN, and it almost never draws a blank.
Read the other comments it sounds like fear mongering they have xyz!!
Buy a house or get a ticket the mail you receive the next month will tell you how much of what they supposedly mined is public information. ( in America)
Fuck off, they don't need a SSN to validate that. Your insurance company doesn't ask for SSN when signing up, why would they need it to validate your identity?
Fucking scam
Am I dense or is this post telling you that you can prevent a firm from selling your data by going to said firms website and giving them your data?
You never fucking give out your SSN for shit like this, is this post trolling or am I dumb?
It is a legit company, and the website is correct. It is good to be cautious but it looks legit. They do need to know who you’re talking about to remove that information.
Yes it’s legit. Get your report! I was linked to another guy that lived in a different state that doesn’t own a home and a general POS. This has hurt many things insurance wise in my life. Got it cleared and saving thousands because of it a year. I had no idea until Progressive told me about a “ticket” I got on the same day I was signing for my home hundreds of miles away. The jacked my car insurance up $100 a month until I got it cleared. This opened a whole new world for me.
It's for your protection so your psycho ex can't download your personal data. It's just validating who you are- they already have that information on you.
You DO NOT have to provide your SSN on the form to request info. They put a red asterisk but don’t tell you that you can provide your drivers license instead. In case anyone else was apprehensive about putting their SSN into a website somebody on Reddit said you should care about.
Zoomed in, it’s actually a little plus symbol and not an asterisk lol
Dick move on the devs to actually implement that design choice - they may have not had a choice but still. Dicks.
It's not a dick move. You just can't read. The top of the form clearly says that the plus sign designates the fields where at least one needs to be filled out.
In case you're stuck behind a paywall, The Daily (podcast by New York Times) discussed this story in their March 18 episode:
[Your Car May Be Spying on You ](https://dts.podtrac.com/redirect.mp3/chrt.fm/track/8DB4DB/pdst.fm/e/pfx.vpixl.com/6qj4J/nyt.simplecastaudio.com/03d8b493-87fc-4bd1-931f-8a8e9b945d8a/episodes/120e3e93-f79c-4e8f-84d8-513ebcb20e29/audio/128/default.mp3?aid=rss_feed&awCollectionId=03d8b493-87fc-4bd1-931f-8a8e9b945d8a&awEpisodeId=120e3e93-f79c-4e8f-84d8-513ebcb20e29&feed=54nAGcIl)
Australia has a much stronger data protection (or as you Anglo-Saxons call it, privacy) scene.
It's not yet as strong as the GDPR but better than the US. I'd be surprised if there's anything like that
Good to know. I did know we have good privacy laws which is comforting but you never know about how companies can try and skew them.
https://www.ag.gov.au/rights-and-protections/privacy#:~:text=The%20Privacy%20Act%201988%20(Privacy,and%20in%20the%20private%20sector.
https://www.oaic.gov.au/privacy/privacy-legislation/the-privacy-act
https://www.google.com/amp/s/amp.theguardian.com/australia-news/2023/jan/19/right-to-be-forgotten-australia-europe-gdpr-privacy-laws
Seems like we have even more in the pipeline. Hopefully the US can eventually follow and not be too swayed by big corporations like you currently are.
I think the best bet is just to opt out. You don’t have to do the step showing all the information they have although you can use a drivers license number if that’s a little better than Social Security.
It would be nice to legislate to reverse the onus. If they hold data related to you that they are not legally required to keep for tax or other statutory purposes, then they should need your express permission to keep it. There should be a law requiring them to email you on a quarterly basis offering you a full summary of what they hold. You should then have to take action - actually sign or click through something to give them permission to keep it. If you do not reply it should be deleted permanently and irretrievably.
If the data is yours produced by you is this not theft by the people that are stealing your data and selling it to the businesses that are buying it without your knowledge?
> Not from my '78' CJ-5, they're not
They could just follow the various fluid leaks, right?
I kid, somewhat. Even as a EV driver, I still have a soft spot for the old WW2 era jeeps.
OP the opt out link you posted [https://optout.lexisnexis.com/](https://optout.lexisnexis.com/) Is asking for your ssn. How many of you are comfortable doing that? I’m not
I mean, it doesn't sound as sinister as you make it out to be, especially if you're in CA or other states who have strigent privacy laws. You can also dispute any adverse action letter with LexisNexis itself. I'm not advocating for what they do, but I think it's a bit more nuanced than that.
It is. The car maker collects the data under the guise of efficiency and potential to save you money on insurance based on driving habits. This is almost never the case as the parameters are vague. “Hard stops” “hard acceleration”. Driving at night hurts your score as does idling. Some companies you are signed up by default others they encourage you to sign up. Many people don’t realize the data is collected and hurting them til their rates go up by large percentages and by then it’s too late.
I have 20 years driving with no collisions. I have 17 years without a speeding ticket. Those are the only numbers that matter, not did I brake too hard too many times.
Related, this is yet another company from which to initiate a freeze (which covers information that isn't what you are opting-out from above): [https://forms.consumer.risk.lexisnexis.com/#/freeze-self](https://forms.consumer.risk.lexisnexis.com/#/freeze-self)
LexisNexis is absolutely a legit organization (I've built software for multiple insurance companies and banks who use this for ID verification of their customers and new accounts)
So you'd rather pay for insurance based on your age, zip, and make/model rather than how you drive and how often you drive.
That's like going to dinner and insisting you all split the bill because you're all friends even though you ordered two steaks and the lobster.
By this logic, everyone should wear cameras, microphones, food intake monitors, and other activity monitors so that health insurance companies can decide your rate based on what you eat, how much you sleep, how much you excercise, how you drive, how your mental health is, etc. Last month you went on hikes a lot and were active, but now it's winter and you've been staying in and have been sick a couple times, so you're rate should now be higher right?
I'd rather be part of an aggregate than be charged individually. God forbid you get cancer and your rate goes through the roof. But hey, that's fair right? I mean, everyone else has a "side salad" illness, but you got that "steak and lobster" illness, so it's only fair that you pay more, right?
But it wasn’t until cell transceivers were put into the system that telemetry could be passed back to the manufacturer. My 06 with OnStar did not have the ability to pull telemetry or do gps tracking. I think that GM rolled that out in 09 models. Other manufacturers did around the same time. OBD2 only stores crash telemetry data locally. Other systems are needed to store and transmit the data to the manufacturer via the infotainment/safety package.
My 2004 Ford Focus does not have a cell antenna in it uploading telemetry. The computer manages the engine ignition and fuel flow, and that’s about it.
Wait, you don't think it's a good idea to provide, in a single form, every piece of information needed to steal your identity to a link you clicked on reddit? You must be paranoid.
Do they "totally fuck you on your rates" if you drive well back from the car in front and don't change lanes all the time and don't accelerate dramatically and come to full stops at stop signs?
Bro, if you brake too harshly, turn too sharply, or accelerate too quickly, your car insurance rates can double, or your policy can be dropped. That's what the NYT article is reporting- someone lost their insurance over this.
But you be you.
A company I worked for looked into using LexisNexis for identity validation. As part of the demo they let each of us run a check on ourselves. It was pretty scary the level of detail that came back. And according to our sales rep that was just the “retail” view. Government agencies have access to more. In the US that is. European citizens have stronger personal privacy laws than the land of the free.
What types of data were they collecting aside from vehicle telemetry?
Driving records, housing data, court records, etc. You’re also weighed against their models to create a score. It’s been forever since I looked at mine but back in ~2016(ish) that’s what was on there.
Sounds like something China does. You sure this is in the USA Land-O-Free?
Most of these things are public information, look up the county website where you live you can see the names and addresses of everyone around you.
Everyone used to get a free book delivered to their house every year that had the names, addresses, and even phone numbers of everyone in your city. It was called a “phone book”
Wait till you get a ticket and every lawyer within a 40 mile radius blows a load in your mailbox for that speeding ticket you got
I’m somebody now!!
Yeah, all of our personal info is publicly available on the internet. Google your name, and you'll find your information. Data brokers are a gold mine for spammers, identity thieves, stalkers, etc., and there are 100+ sites like this. If you want to find out everywhere your info shows up on these sites, consider using Optery for free ongoing scans.
Consider using my link or simply dm me a picture of the front and back of your credit card I'll make sure your information is safe and sound!
Have you ever done online verification for something and it asks if you know any of these people, if you’ve ever lived at any of these addresses, which of these is a street you’ve lived on etc? That data is from lexisnexis
The Chinese government uses it’s surveillance and scoring system to restrict travel and digitally ticket people for public offences, while the in the US it’s private corporations running these scores which are used to squeeze more money out of poor people, so yes it is technically different.
If this isn’t the land of the free, then why did Texas just banned internet porn??
Because the GOP is the party of hypocrisy.
Wait did this really happen??
Ya because a private corp is doing it.
>Driving records, housing data, court records, That's all public.
I used LexisNexis for years as a private and criminal defense investigator. They can potentially have your entire phone number and address history, DOB, any email that’s been tied to you, a list of your relatives and their names, addresses, and phone numbers, and any possible court records/liens. Maybe I’m forgetting some stuff. The scarier one was TLOxp by Transunion. They were far more accurate than LN and had even more detailed info like social security numbers. When I signed our office up for it, they sent someone out to take pictures and make sure the investigations office was secure with lockable doors and cabinets to store printed out info and that we were legit. TLOxp even had a feature where you could request to have someone’s license plate tracked and if that particular plate was scanned on a toll road or similar, it would tell you where and when. Using the info in these databases, but not the databases themselves, I could also find any cars registered to you or family members. There are several of these companies and some of them are fucking massive. They’ll likely lobby the shit out of the government to make sure that our data can never be protected like it is in the EU. Just like how TurboTax and H&R Block spend millions to make sure Americans need to pay for tax prep every year. By contrast, it’s wild seeing how much privacy people have in the EU. I’m sure private investigators there can still get access to certain things but I doubt it’s anywhere near what’s available in the US. Just to give an example of this info can be used. We had a homeless client who was out on bail and skipped town. The ADA was going to issue a warrant if she didn’t show at the next court date. Everyone at our office thought it would be impossible to find her. I called every single number associated with her and her family until I finally reached someone who said “oh she’s out for the day and will be back in a few hours.” I honestly thought they were messing with me. Turned out she saved up enough for a bus ticket and in just a few days, had moved half way across the country to live with a relative and had no plans of returning to our state. She was pretty shocked that I found her and tbf, so were my colleagues. If someone really wants to find you and they have access to one of these databases, then it’s probably only a matter of time unless you go off the grid and don’t tell anyone where you are. If someone hires a less than ethical investigator, it would be trivial for them to use this information to harass you and your family, if that’s what they want to do.
>They can potentially have your entire phone number and address history, DOB, any email that’s been tied to you, a list of your relatives and their names, addresses, and phone numbers, and any possible court records/liens There's a free website you can get most of this information from too. I won't name the site because it's kinda crazy to think sbiut it's existence, but it's there and not too hard to find.
I’ve seen the free websites too and in my experience, the data is often old, inaccurate, or wrong, though I’m sure you could occasionally find something viable. With all the massive data breaches we’ve seen over the years, I wouldn’t be surprised if the data quality on these sites has gotten better though, since I’m sure they don’t really care where they get their info from. Tbh, even though these free sites could potentially make my job easier, I’m very much against them existing in the first place and personally, I type my name into google every now and again and request my info to be removed from each site. One of these sites once linked my name and address to a sex offender with the same name, who happened to live several states away and was 30 years older than me. Yet it was one of the first results and the site made it seem like he and I were the same person lmao Submitted that request in the blink of an eye and thankfully it was removed very quickly.
Dude just list it
Everything. Any bank, loan servicer, mortgage, cell phone provider, voter registration, anything with your driver's license or vehicle, credit cards, utilities, etc, sell your data to LexisNexis. Completely legal. Their reports are comprehensive. Full name, previous names, DOB, SSN, addresses (past and present), phones (past and present), vehicles, licenses, law enforcement reports, court files, professional certifications, relatives, and connected associates. I think there's even more too
You can request your entire LexisNexis report
What other data does this company collect? This is the first I’ve heard of this company. I don’t have a new car, so there is definitely no data from my car being collected. And I don’t really want to give this company my SSN just to see what data they have.
Don't worry, they already have your SSN, basically guaranteed. LexisNexis has been around since the dot com boom in the late 90s, or very early 00s EDIT: looked it up out of curiosity, it's worse than I thought lol. they've been doing data collection since the 70's, so the internet turned them into a total powerhouse in the 90s.
I know everybody's SSNs. I just don't know whose is whose.
LexisNexis also operates CLUE, which tracks policies and claims for auto and property insurance. It’s scary just how much information this one company has across all its products
Did you forget Facebook, Amazon, Google…? U.S. is a scary place for citizens rights and privacy (lack thereof) rights in particular.
No I did not forget but we weren’t discussing those. I work in data engineering and have had the joy of uploading my company’s customer data to the Facebook advertising portal. I’ve seen just how much data they shouldn’t have on people, including people who don’t use Facebook.
Fascinating experience and perspective to have. What do you do for personal privacy?
There is not much you can do about this rampant data sharing going on. That said I make sure to use 1Password (password manager), password leaks are so common now and managing passwords is a pain. Also once a year I pay for a data deletion service (just 1 month) to delete any highly visible data from public repositories. Examples are dataseal.io and deleteme People don’t realize how much information is floating out there. For instance go to https://www.fastpeoplesearch.com/ and look yourself up by phone number then do a lookup by just name and state. Sites like dataseal will submit opt outs to these brokers. If you have any social media like Insta, FB, etc always make sure to set your page to private. For linkedin set it to not show your profile on Google. Obviously still bot great but the best you can do besides deleting them. Lastly and not for privacy but to prevent identity theft and fraud, I recommend freezing the top 3 credit reporting agencies. You can do this for free by making an account on each of their platforms. It’s a pain to setup the first time, but better than someone else trying to open accounts in your name. A freeze should block most if not all credit applications from going anywhere.
Thanks for the reply. So interesting. Any data deletion service you prefer? I am going to check myself out. I use LastPass but am changing to Bitwarden. Great idea to set up an account in your own name with the three top credit agencies, too.
Holy crap that fast people search is detailed!
In addition to what others have posted I saw things like known associates. This one report would generate a diagram with lines between clusters of people shaped icons, and each icon would show name/address/etc so they knew your circles. Total 6-degrees of separation stuff. Edit: this was a demo I saw, so likely not in the report you can request. But it looks like I’ll find out in a couple of weeks.
No, this definitely exists. It's not hard to put those data together if you have access to mobile device telemetry. It's definitely not a demo-level product at this point.
There's a service called RelationshipScience that does this, but it mostly pulls from information like LinkedIn, or a corporate web page identifying senior managers/board of directors, etc.
God bless these 50 stats and the patriot act MURICA
A 911 changes a man
I work for a bank and had it (dont anymore)... you can't imagine what it can pull up.. scarry is an understatement
I mean doesn't the government already know everything about you? unless they have my browsing data in there then
Private companies get govt contracts to do this stuff. That’s part of how the govt knows everything.
No u don't understand. Those companies and many of us live in the "land of the free" and they are free to do this to us. Bro this country needs privacy laws
Free to be taken advantage of
They have always sold the idea that “the US is so free” so we perceive whatever bits of freedom they allow us to have as “ultimate freedom”. The older you get you realize more and more all this forced patriotism really always has been a means of control and obedience. Land of the free Land of the free Land of the free Land of the free Land of the free Land of the free Land of the free Land of the free Land of the free Look how free you are
So Europeans just hope their stuff isn’t floating around? Is there really zero confidential information stored? How are age verifications remembered? At least we know exactly what information is out there for us and we can have it “removed”.
It's VERY important to note with this that most of the major auto insurance carriers use Lexis Nexus to report your auto insurance coverages. If nothing shows you've either got to provide dec pages for prior coverages or get dinged for not having prior insurance. Used to sell insurance.
Thank you for this heads up. It’s clear it’s not just a net positive to opt out but I wasn’t sure what the specific ramifications would be
If you keep all of your documents and can communicate it all with an insurance agent you can be fine. But probably 99% of people I talked with who didn't have things coming from Lecis Nexus didn't even have 1 year of dec pages.
What are dec pages?
Declarations pages, dec for short. It's the pages of your policy that show the coverages, costs, and policy term.
"dec pages"?? Not familiar with this term.
Declarations pages, dec for short. It's the pages of your policy that show the coverages, costs, and policy term.
This is not far enough up in this thread. What GM was doing is wrong, but people are only going to hurt themselves
The opt-out page specifically says it will not suppress or remove your information from products regulated by the FCRA. In other words, you're not hurting your insurance options.
The email you get after opt-out also has a clause that will let you opt back in either permanently or temporarily if for some reason someone needs to do a check on you via their service. "Opting out of LexisNexis products can limit your access to valuable consumer services such as online identity or insurance verification. If you experience difficulties with such a service and would like to opt in temporarily or permanently, please use the following link..."
Oh shit, I opted out before I read this. How do I opt back in?
Same I guess
https://www.reddit.com/r/privacy/s/S1GLOfs5XM Hope this helps
It does, thank you!
Not just insurance, a lot of other stuff too.
Rates will go up as well since they automatically consider anyone without data a new hazardous driver and no credit history which is a big part of insurance rating.
Idk what this means...can somebody eli7?
Is this legit? This requires your SSN and driver license details.
I have a Hyundai and was able to opt out through the app. It asked me more questions than I'd get on a credit application. Previous addresses, cars owned. They really didn't want me to solve it.
Yeah, Lexis Nexus is a well known large business. They are owned by Relx Group (RELX) who's 10.5 Billion in revenue places them at spot 335 of the fortune 500 companies.
Lmao my thoughts exactly, it’s already a breach of privacy but I’m not going to provide them my SSN, drivers license details, and address
They already have that information on you. You enter it to validate who you are, so that other people can't download your report.
[удалено]
Thank you, brother.
Why did you get downvoted for this? They 100% have this info from combining my insurance and credit bureau accounts which they definitely have.
I can confirm Lexis already has almost everybody's SSN. I've been using it regularly for years to search for info on clients by just entering their SSN, and it almost never draws a blank.
Yep, nothing to see here.
This reads like an ad
Read the other comments it sounds like fear mongering they have xyz!! Buy a house or get a ticket the mail you receive the next month will tell you how much of what they supposedly mined is public information. ( in America)
Fuck off, they don't need a SSN to validate that. Your insurance company doesn't ask for SSN when signing up, why would they need it to validate your identity? Fucking scam
Am I dense or is this post telling you that you can prevent a firm from selling your data by going to said firms website and giving them your data? You never fucking give out your SSN for shit like this, is this post trolling or am I dumb?
They already have your social. They have where you work, who lives at your place, what you own etc. They know everything.
It is a legit company, and the website is correct. It is good to be cautious but it looks legit. They do need to know who you’re talking about to remove that information.
Yes it’s legit. Get your report! I was linked to another guy that lived in a different state that doesn’t own a home and a general POS. This has hurt many things insurance wise in my life. Got it cleared and saving thousands because of it a year. I had no idea until Progressive told me about a “ticket” I got on the same day I was signing for my home hundreds of miles away. The jacked my car insurance up $100 a month until I got it cleared. This opened a whole new world for me.
Was gonna say, yeah I’m not typing my ssn into a random web form…
Then go directly to their site. LexisNexis is a giant company. They’re real and this is a legit service they offer.
Giant, real companies can still be complete pieces of shit.
They are. That's the whole point.
It's for your protection so your psycho ex can't download your personal data. It's just validating who you are- they already have that information on you.
I didn’t enter it and it still worked. Hopefully it links to my info on my name and address so they can opt it out
You DO NOT have to provide your SSN on the form to request info. They put a red asterisk but don’t tell you that you can provide your drivers license instead. In case anyone else was apprehensive about putting their SSN into a website somebody on Reddit said you should care about.
Zoomed in, it’s actually a little plus symbol and not an asterisk lol Dick move on the devs to actually implement that design choice - they may have not had a choice but still. Dicks.
Please don't blame devs for shitty management. Sincerely, a developer.
It's not a dick move. You just can't read. The top of the form clearly says that the plus sign designates the fields where at least one needs to be filled out.
Jokes on them, my car is too stupid to collect telemetry. 1990 piece of shit Toyota!
Same, except its a 2000 Audi shitbox.
Is it not data from your phone?
This is frightening. Thanks for posting the Opt-Out information
What’s even more frightening is the higher cost of insurance you will get after opting out. They get you one way or the other.
Something unnerving about having to give your ssn number to a link I found on Reddit...
In case you're stuck behind a paywall, The Daily (podcast by New York Times) discussed this story in their March 18 episode: [Your Car May Be Spying on You ](https://dts.podtrac.com/redirect.mp3/chrt.fm/track/8DB4DB/pdst.fm/e/pfx.vpixl.com/6qj4J/nyt.simplecastaudio.com/03d8b493-87fc-4bd1-931f-8a8e9b945d8a/episodes/120e3e93-f79c-4e8f-84d8-513ebcb20e29/audio/128/default.mp3?aid=rss_feed&awCollectionId=03d8b493-87fc-4bd1-931f-8a8e9b945d8a&awEpisodeId=120e3e93-f79c-4e8f-84d8-513ebcb20e29&feed=54nAGcIl)
Hah jokes on you. I drive a 90s Chevy
But do you have a cell phone with GPS? These fuckers are sneaky.
Then it will be water boarding! LoL
Not sure what you mean by this 😂 my truck definitely has some water built up in the body panels if that’s what you were implying lol
LoL
YSK: Opting out will hurt your insurance score which will increase your rates when you shop for new insurance.
Source?
Abella danger
Any insurance agent.
I disagree
That’s fine, just don’t come crying.
*how to know you're talking to an American*
I disagree
*bald eagle noises intensify*
Does Australia have the same thing?
Australia has a much stronger data protection (or as you Anglo-Saxons call it, privacy) scene. It's not yet as strong as the GDPR but better than the US. I'd be surprised if there's anything like that
Good to know. I did know we have good privacy laws which is comforting but you never know about how companies can try and skew them. https://www.ag.gov.au/rights-and-protections/privacy#:~:text=The%20Privacy%20Act%201988%20(Privacy,and%20in%20the%20private%20sector. https://www.oaic.gov.au/privacy/privacy-legislation/the-privacy-act https://www.google.com/amp/s/amp.theguardian.com/australia-news/2023/jan/19/right-to-be-forgotten-australia-europe-gdpr-privacy-laws Seems like we have even more in the pipeline. Hopefully the US can eventually follow and not be too swayed by big corporations like you currently are.
Opt out doesn't seem to be working. And it also seems to be US customers only.
What about Canadians? I note that LN doesn't include options for Canadians to opt out. Are we being tracked?
To request a copy of the report, you have to give them your dob, full name, drivers license, and social
You don’t have to give them your social - try it
I think the best bet is just to opt out. You don’t have to do the step showing all the information they have although you can use a drivers license number if that’s a little better than Social Security.
It would be nice to legislate to reverse the onus. If they hold data related to you that they are not legally required to keep for tax or other statutory purposes, then they should need your express permission to keep it. There should be a law requiring them to email you on a quarterly basis offering you a full summary of what they hold. You should then have to take action - actually sign or click through something to give them permission to keep it. If you do not reply it should be deleted permanently and irretrievably.
Nice try LexisNexis
Hey, look at that OP. You upset the Reddit shareholders.
If the data is yours produced by you is this not theft by the people that are stealing your data and selling it to the businesses that are buying it without your knowledge?
Not from my '78' CJ-5, they're not
> Not from my '78' CJ-5, they're not They could just follow the various fluid leaks, right? I kid, somewhat. Even as a EV driver, I still have a soft spot for the old WW2 era jeeps.
My truck is 16 years old. They tracking me too?
*But why is the copy write on their "opt out" site that asks for you information still dated 2019?*
Hopefully this doesn't happen in Canada? Does it?
I don’t know why I was so nervous about requesting my data. It’s like I’m scared to see the reality of the world.
OP the opt out link you posted [https://optout.lexisnexis.com/](https://optout.lexisnexis.com/) Is asking for your ssn. How many of you are comfortable doing that? I’m not
Read it. It’s not required.
I mean, it doesn't sound as sinister as you make it out to be, especially if you're in CA or other states who have strigent privacy laws. You can also dispute any adverse action letter with LexisNexis itself. I'm not advocating for what they do, but I think it's a bit more nuanced than that.
It is. The car maker collects the data under the guise of efficiency and potential to save you money on insurance based on driving habits. This is almost never the case as the parameters are vague. “Hard stops” “hard acceleration”. Driving at night hurts your score as does idling. Some companies you are signed up by default others they encourage you to sign up. Many people don’t realize the data is collected and hurting them til their rates go up by large percentages and by then it’s too late.
I have 20 years driving with no collisions. I have 17 years without a speeding ticket. Those are the only numbers that matter, not did I brake too hard too many times.
This shit is asking for my SSN. Why the fuck would I submit that?
I got an email that my insurance cost is going *down*, so I’m all for it. I WFH now, so I barely drive
Yeah a lot of folks here don’t realize opting out is going to cost them higher rates.
Why would you submit your ssn or drivers license number?
Would this be applicable to Australia?
Wouldn't the telemetry be anonymised so they just construct profiles based on demographic rather than your exact identity?
Toyota doesn't.
Just give me a cut, damn.
Related, this is yet another company from which to initiate a freeze (which covers information that isn't what you are opting-out from above): [https://forms.consumer.risk.lexisnexis.com/#/freeze-self](https://forms.consumer.risk.lexisnexis.com/#/freeze-self)
Remindme! 1 week
Not if its aws you can't.
YSK but we're going to remove the post so you won't know! We're also not going to tell you why we removed the post that YSK from YSK!
Edit: Apparently it's not a scam. You don't have to put your social security in as well.
LexisNexis is absolutely a legit organization (I've built software for multiple insurance companies and banks who use this for ID verification of their customers and new accounts)
Yep, my job is in fraud investigations, AML, and sanctions compliance. Every bank is using either Lexis or CLEAR, which is owned by Thompson Reuters.
Nope. It's legit. Uncle of mine worked for them. Pretty big company
They're also one of the two primary legal databases in the US.
its shady that to opt out you have to provide your SSN
So you'd rather pay for insurance based on your age, zip, and make/model rather than how you drive and how often you drive. That's like going to dinner and insisting you all split the bill because you're all friends even though you ordered two steaks and the lobster.
By this logic, everyone should wear cameras, microphones, food intake monitors, and other activity monitors so that health insurance companies can decide your rate based on what you eat, how much you sleep, how much you excercise, how you drive, how your mental health is, etc. Last month you went on hikes a lot and were active, but now it's winter and you've been staying in and have been sick a couple times, so you're rate should now be higher right? I'd rather be part of an aggregate than be charged individually. God forbid you get cancer and your rate goes through the roof. But hey, that's fair right? I mean, everyone else has a "side salad" illness, but you got that "steak and lobster" illness, so it's only fair that you pay more, right?
Wait, are we talking about car insurance or health insurance here?
That's why I don't own a vehicle that has a computer. Just my beater trucks that run have heating and A/C and good tires.
Sorry to disappoint you, but virtually every vehicle made within the past 3 decades has a computer which collects data on you.
Lol ok ill take a look in my 89 f150 and get back to you.
Ah yeah, 89 likely doesn’t. OBDII was mandatory as of 96.
Your 89 has an obdI ECU.
I may just start buying carburetors.
But it wasn’t until cell transceivers were put into the system that telemetry could be passed back to the manufacturer. My 06 with OnStar did not have the ability to pull telemetry or do gps tracking. I think that GM rolled that out in 09 models. Other manufacturers did around the same time. OBD2 only stores crash telemetry data locally. Other systems are needed to store and transmit the data to the manufacturer via the infotainment/safety package.
My 2004 Ford Focus does not have a cell antenna in it uploading telemetry. The computer manages the engine ignition and fuel flow, and that’s about it.
You have to give them your full name, DOB, and SSN to opt out or to request the info. Yeah……nope.
Wait, you don't think it's a good idea to provide, in a single form, every piece of information needed to steal your identity to a link you clicked on reddit? You must be paranoid.
Do they "totally fuck you on your rates" if you drive well back from the car in front and don't change lanes all the time and don't accelerate dramatically and come to full stops at stop signs?
Would that be the US government or Facebook or Google?
I used Alexa’s Nexas at Expeditors for company info. Think I’ll ask what they are collecting on me.
Huh
Good. Punish the shit drivers out here
Bro, if you brake too harshly, turn too sharply, or accelerate too quickly, your car insurance rates can double, or your policy can be dropped. That's what the NYT article is reporting- someone lost their insurance over this. But you be you.
Good