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LexisNexis Risk Solutions Collects information from public records and multiple proprietary data sources at consumer.risk.lexisnexis.com. This includes items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses on file.
Contact this company to request your report
- The company will provide one free report every 12 months if you request it.
- The company will freeze your consumer report if you request it.
- Requesting copies of your own consumer reports does not hurt your credit scores.
- For companies required to provide the information in your report for free annually upon request, they must do so within fifteen days of receiving your request.
How to dispute the information in your report
If you find information in your consumer report that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information to the reporting company, such as your lender. Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute. The company that has provided the incorrect information must correct the error, and notify all of the consumer reporting companies to whom it provided the inaccurate information.
How do I dispute an error on my credit report?
You have the right to dispute errors on your credit report. Fixing an error generally means contacting both the credit reporting company and the company that provided the information.
If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute.
If you mail a dispute, your dispute letter should include:
- Contact information for you, including your complete name, address, and telephone number
- Credit report confirmation number, if available
- Each error you want fixed, including the account number for any account you may be disputing
- Clear explanation of why you are disputing the information
- Request that the information be removed or corrected
- A copy of the portion of your credit report that contains the disputed items, with the disputed items circled or highlighted
- Copies (not originals) of documents that support your position
You can choose to send your dispute letter by certified mail and ask for a return receipt, so that you have a record that your letter was received.
You can contact the nationwide credit reporting companies online, by mail, or by phone:
Equifax Information Services LLC
P.O. Box 740241
Atlanta, GA 30374
By phone: Call the phone number shown on your credit report or call (866) 349-5191