Can anyone run a LexisNexis report?

No, just anyone cannot run a LexisNexis report on another person; access is legally and contractually restricted to authorized businesses, government agencies, or individuals requesting their own personal disclosure.

Who Can Run Reports

• Yourself: You have the legal right under the Fair Credit Reporting Act (FCRA) to request a free copy of your own LexisNexis Consumer Disclosure Report once every 12 months.
• Authorized Businesses & Institutions: Companies (such as insurance providers, banks, and law firms) or government bodies can run reports only for permissible purposes like fraud prevention, identity verification, risk management, or underwriting, typically requiring a commercial account and credentials.
• Third Parties (Spouses/Attorneys): Can only request another person's report by submitting official legal proof, such as a signed power of attorney and photo ID.

How to Request Your Own Report

If you want to view your own file, you can request it through official channels:

• Online: Submit a secure request through the LexisNexis Consumer Center. You will need to provide identifying details like your name, address, date of birth, and Social Security Number (or driver's license number and state).
• By Phone: Call the consumer support line at 1-866-897-8126.
• By Mail: Print, complete, and mail a request form to LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108.

Only authorized individuals belonging to a subscribing organization or institution are allowed to use LexisNexis.

Authorized Users

• Organization Employees: Full-time or part-time staff members of a subscribing company, law firm, corporation, or government agency.
• Contractors and Temp Workers: Temporary employees and dedicated contractors who perform work exclusively for the subscribing organization.
• Students and Faculty: Individuals granted access through an active educational or law school subscription.
• Partners and Members: Law firm partners, corporate members, or authorized barristers within a registered chamber.

Restrictions on Access

• Individual Credentials: User IDs and passwords must be kept confidential and cannot be shared with anyone else, including other coworkers.
• Excluded Parties: External professional service providers (such as outside attorneys, accountants, or public relations firms) are generally not covered under a client's standard user license.
• Automated Use: Software, bots, scripts, or automated crawling tools are strictly prohibited; searches must be conducted manually and individually.

LexisNexis report costs vary widely depending on whether you are requesting your personal consumer/C.L.U.E. report or purchasing business, legal, and dossier reports through a professional subscription.

Personal and Consumer Reports

• Personal C.L.U.E. or Consumer Disclosure Reports: Free for your first copy every 12 months under the FACT Act.
• Additional Personal Reports: $19.95 per extra copy requested within the same 12-month period (though customer service sometimes waives minor fees). You can request these via the LexisNexis Consumer Disclosure Center.

Professional, Legal, and Business Reports

If you use LexisNexis for legal research, company profiling, or public records, individual reports and searches are billed transactionally or via subscription schedules:

• Dossier Company / Executive Lists: $250 per report.
• Dossier Snapshots: $150 per report.
• Litigation Profiles & Verdict Reports: $125 to $250 per report.
• Context Reports / Analytics: $99 per report.
• CourtLink & Docket Documents: $7 to $61 per document or tracking item.
• Base Subscriptions: Small firm plans (1–3 attorneys) range from $114 to $432/month depending on the tier (Essential, Enhanced, Professional) and contract length, which may include or exclude specific search allotments.

Yes, major banks and financial institutions frequently pull reports from LexisNexis Risk Solutions.

Why Banks Use LexisNexis

• Identity Verification: Lenders use LexisNexis data to confirm you are a real person by matching your identity, phone numbers, and historical addresses. Discrepancies can trigger fraud alerts or application rejections.
• Underwriting and Risk Assessment: For credit cards, personal loans, mortgages, and business funding, banks may pull specialized LexisNexis reports (such as RiskView or public record data) alongside traditional credit bureaus to check for hidden bankruptcies, liens, judgments, or professional licenses.
• Fraud Prevention: It helps institutions spot synthetic identities or address inconsistencies before approving credit or opening accounts.

How to Check Your Report

• You can request a free copy of your file annually through the LexisNexis Consumer Portal.
• Reviewing your report helps ensure that old addresses, public records, or mismatched data aren't harming your ability to get approved for loans or banking services.

Yes, you can look someone up on LexisNexis Public Records if you have an active professional subscription.

How It Works

• Access Requirements: You need a paid subscription through a legal, corporate, government, or risk-management account (such as Lexis+, Lexis, or Nexis Diligence). It is not available as a free consumer tool.
• Search Capabilities: You can search by name, address, phone number, or Social Security number to generate comprehensive reports (like SmartLinx) containing public data.
• Data Included: Reports compile addresses, phone numbers, bankruptcies, liens, judgments, asset and property holdings, marriage/divorce records, and criminal histories.

Rules and Restrictions

• Permissible Use: Searches are strictly regulated by laws like the Driver's Privacy Protection Act (DPPA) and Gramm-Leach-Bliley Act (GLBA), requiring users to select a valid permissible purpose before running a search.
• Ethical & Legal Constraints: Opinions on Reddit are mixed regarding casual lookups; however, running personal or unauthorized searches (such as looking up coworkers or friends out of curiosity) is widely considered a severe breach of firm policy and terms of service, often resulting in termination.