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>"Equifax must be dismantled and driven into bankruptcy." I don't disagree with that sentiment but you have to deal with the whole triumvirate - Equifax, Exper

>"Equifax must be dismantled and driven into bankruptcy." I don't disagree with that sentiment but you have to deal with the whole triumvirate - Equifax, Experian and Transunion.

Pixeleen 9y ago
As well as ChexSystems which contains just as must personal data about deposit accounts instead of credit accounts. Also Lexis which collects from a wide range of private sources and has exclusive special arrangements with public sources.
- bogomipz 9y ago
  I guess I am not as familiar with CheckSystems, is that pay roll data? Does Lexis Nexus collect financial data on individuals? I thought it's focus was research
  - Pixeleen 9y ago
    ChexSystems does not have salary information. They contain information on bank accounts that have been overdrawn, bad checks, and checkbook orders. They also contain information on accounts in good standing, and the usual information like aliases, addresses, SSNs, and driver license numbers. Lexis Nexis long since moved beyond newspaper and courthouse archiving. They have dozens of intelligence products and databases aimed at marketing, debt collection, private investigators, and law enforcement. They collect massive personal consumer (and business) data, including retail purchases and returns, and salaries, and associate it in a Facebook-style graph, loosely associated with SSN and DL#.
    - bogomipz 9y ago
      Interesting about both, thanks. I suppose it's just a matter of time before both of these are compromised. In fact is surprising that they haven't. I wonder if this is just because they aren't as well known as the big 3?
      - Pixeleen 9y ago
        Lexis sells access to everything although some of the databases are pricey. I have not heard of a ChexSystems breach yet. They are integrated with most banks. Even with normal use and no breaches, all these cross-referenced databases are hell for those of us who went through a gender transition. It is practically impossible to get rid of references to my old name. It outs me anytime I open a bank/credit account or arrange new insurance.
      - jstarfish 9y ago
        Lexis Nexis suffered a breach in 2013.
  - astura 9y ago
    ChexSystem is bank accounts and contains very, very little information compared to credit bureaus. Just accounts you've opened (and attempted to open) recently and any negative information. You can (and should) request your report here: https://www.chexsystems.com/web/chexsystems/consumerdebit/page/requestreports/consumerdisclosure/ https://www.chexsystems.com/web/chexsystems/consumerdebit/pa... Early Warning, however, contains way, way more information about bank accounts. It lists most of your accounts plus dates opened, dates closed, and other stuff. (I don't have my report on hand, so I'm going from memory) You can (and should) request your report here: https://www.earlywarning.com/consumer-information.html#instructions https://www.earlywarning.com/consumer-information.html#instr... I request both every year. (Because I churn bank account bonuses) LexisNexis has a whole crapload of consumer reports. The big one is the CLUE report on insurance claims. They have employment databases as well and probably others, I'm not as familiar with them. You can request a copy of your CLUE report here: https://personalreports.lexisnexis.com/fact_act_disclosure.jsp https://personalreports.lexisnexis.com/fact_act_disclosure.j... I have to admit, I've never requested my CLUE report. I've mentioned this in another comment but there's actually two more credit bureaus, SageStream (request report here: https://www.sagestreamllc.com/consumer-report/ https://www.sagestreamllc.com/consumer-report/) and Innovis (request report here: https://www.innovis.com/personal/creditReport https://www.innovis.com/personal/creditReport) I've never requested either myself but I am in the process of requesting both right now.
    - munin 9y ago
      I have requested my CLUE report from LN. It contained basically no information.
      - astura 9y ago
        It wouldn't unless you've had recent (<5 years) insurance claims. That's a good thing to know that people aren't making insurance claims in your name.
      - whoopdedo 9y ago
        The report I got had inaccurate information. Mostly about previous residents at this address.
larvaetron 9y ago
Innovis as well.
- bogomipz 9y ago
  Interesting. I was unfamiliar with Innovis until last week where an article I read mentioned freezing your credit profile with the big 3 agencies and mentioned that it wouldn't hurt to contact Innovis as well. Are they a distant 4th then? If you put a security alert on on your profile with one of the big 3 agencies it automatically propagates to the other 2. I wonder why it doesn't propagate to this agency as well.
  - astura 9y ago
    FWIW, the only major company that I know of that uses Innovis is US Bank.
    - bogomipz 9y ago
      Interesting, it's tempting to not be concerned about them then although if we've learned anything there is zero correlation between doing business with someone and them collecting data about you.
- astura 9y ago
  Sagestream is another (rarely used) credit bureau: https://www.sagestreamllc.com https://www.sagestreamllc.com Notably it's used by Bank of America More information: http://www.latimes.com/business/lazarus/la-fi-lazarus-credit-optics-sagestream-20160802-snap-story.html http://www.latimes.com/business/lazarus/la-fi-lazarus-credit...
ntho34neuoinst 9y ago
I only learned last week that there is also Innovis. I'd bet there are smaller firms doing the same thing, as well.

>"Equifax must be dismantled and driven into bankruptcy." I don't disagree with that sentiment but you have to deal with the whole triumvirate - Equifax, Experian and Transunion.

Pixeleen 9y ago

As well as ChexSystems which contains just as must personal data about deposit accounts instead of credit accounts. Also Lexis which collects from a wide range of private sources and has exclusive special arrangements with public sources.

bogomipz 9y ago
I guess I am not as familiar with CheckSystems, is that pay roll data? Does Lexis Nexus collect financial data on individuals? I thought it's focus was research
- Pixeleen 9y ago
  ChexSystems does not have salary information. They contain information on bank accounts that have been overdrawn, bad checks, and checkbook orders. They also contain information on accounts in good standing, and the usual information like aliases, addresses, SSNs, and driver license numbers. Lexis Nexis long since moved beyond newspaper and courthouse archiving. They have dozens of intelligence products and databases aimed at marketing, debt collection, private investigators, and law enforcement. They collect massive personal consumer (and business) data, including retail purchases and returns, and salaries, and associate it in a Facebook-style graph, loosely associated with SSN and DL#.
  - bogomipz 9y ago
    Interesting about both, thanks. I suppose it's just a matter of time before both of these are compromised. In fact is surprising that they haven't. I wonder if this is just because they aren't as well known as the big 3?
    - Pixeleen 9y ago
      Lexis sells access to everything although some of the databases are pricey. I have not heard of a ChexSystems breach yet. They are integrated with most banks. Even with normal use and no breaches, all these cross-referenced databases are hell for those of us who went through a gender transition. It is practically impossible to get rid of references to my old name. It outs me anytime I open a bank/credit account or arrange new insurance.
    - jstarfish 9y ago
      Lexis Nexis suffered a breach in 2013.
- astura 9y ago
  ChexSystem is bank accounts and contains very, very little information compared to credit bureaus. Just accounts you've opened (and attempted to open) recently and any negative information. You can (and should) request your report here: https://www.chexsystems.com/web/chexsystems/consumerdebit/page/requestreports/consumerdisclosure/ https://www.chexsystems.com/web/chexsystems/consumerdebit/pa... Early Warning, however, contains way, way more information about bank accounts. It lists most of your accounts plus dates opened, dates closed, and other stuff. (I don't have my report on hand, so I'm going from memory) You can (and should) request your report here: https://www.earlywarning.com/consumer-information.html#instructions https://www.earlywarning.com/consumer-information.html#instr... I request both every year. (Because I churn bank account bonuses) LexisNexis has a whole crapload of consumer reports. The big one is the CLUE report on insurance claims. They have employment databases as well and probably others, I'm not as familiar with them. You can request a copy of your CLUE report here: https://personalreports.lexisnexis.com/fact_act_disclosure.jsp https://personalreports.lexisnexis.com/fact_act_disclosure.j... I have to admit, I've never requested my CLUE report. I've mentioned this in another comment but there's actually two more credit bureaus, SageStream (request report here: https://www.sagestreamllc.com/consumer-report/ https://www.sagestreamllc.com/consumer-report/) and Innovis (request report here: https://www.innovis.com/personal/creditReport https://www.innovis.com/personal/creditReport) I've never requested either myself but I am in the process of requesting both right now.
  - munin 9y ago
    I have requested my CLUE report from LN. It contained basically no information.
    - astura 9y ago
      It wouldn't unless you've had recent (<5 years) insurance claims. That's a good thing to know that people aren't making insurance claims in your name.
    - whoopdedo 9y ago
      The report I got had inaccurate information. Mostly about previous residents at this address.

larvaetron 9y ago

Innovis as well.

bogomipz 9y ago
Interesting. I was unfamiliar with Innovis until last week where an article I read mentioned freezing your credit profile with the big 3 agencies and mentioned that it wouldn't hurt to contact Innovis as well. Are they a distant 4th then? If you put a security alert on on your profile with one of the big 3 agencies it automatically propagates to the other 2. I wonder why it doesn't propagate to this agency as well.
- astura 9y ago
  FWIW, the only major company that I know of that uses Innovis is US Bank.
  - bogomipz 9y ago
    Interesting, it's tempting to not be concerned about them then although if we've learned anything there is zero correlation between doing business with someone and them collecting data about you.
astura 9y ago
Sagestream is another (rarely used) credit bureau: https://www.sagestreamllc.com https://www.sagestreamllc.com Notably it's used by Bank of America More information: http://www.latimes.com/business/lazarus/la-fi-lazarus-credit-optics-sagestream-20160802-snap-story.html http://www.latimes.com/business/lazarus/la-fi-lazarus-credit...

ntho34neuoinst 9y ago

I only learned last week that there is also Innovis. I'd bet there are smaller firms doing the same thing, as well.