What Does Lexis Nexis Know About Me?

LexisNexis (which acquired ChoicePoint) is the largest data-broker in the world. They create vast profiles on people and use that information to create various reports that they sell to companies of all kinds. These reports are used to make decisions about renting, insurance and more. In the past these reports have been purchased by law enforcement and criminal organizations; all to find out more information about you.

It might be a good idea to find out what's in your report, but it turns out neither simple web searching or LexisNexis themselves do much for listing out all the types of data they know about you. Well here's the list of information they had (or could have had) from my personal LexisNexis dossier:

Auto/Property Insurance Records:

LexisNexis is tied into the "Current Carrier" insurance information system used by insurance companies and agencies when deciding to issue you a policy. Think of it like a "credit report for insurance".

This includes 7 years worth of:

  • Name of insurance company
  • Your policy number
  • Type of policy (auto, boat, fire, quake, tenant, home, etc).
  • Risk type (standard, preferred, facility, etc).
  • Policy start date
  • Policy termination date and reason for termination
  • Names of each subject found on the policy

For auto, this also includes:

  • Insured vehicle (including VIN, year, and make)
  • Type of vehicle
  • Coverage amounts

For property, this also includes:

  • Address of property
  • Eviction records

Personal information that may be included

  • Date of Birth (partially omitted; ex. like 06/##/1970)
  • Sex
  • Social Security Number (Minus the last four digits)
  • Driver's license number (partially omitted)

"C.L.U.E"® insurance loss information reports (apparently reports on whether you're a high risk person or not)

"Esteem" report

This report lists circumstances relating to theft while working at a retail company (admitted or convicted).

In my case, this was of course blank so I don't know specifically what data items would have been included. Most entertaining, there's a line in the report that reads "If you believe we should have information about you in our Esteem Database, let us know"…. Wow.

Background Investigation

If any company ever pays LexisNexis to perform a background check on you, LexisNexis will keep the information for future sales purposes. This may include your full date driving record and your personal credit file.

Screennow ® report

This report shows results of a national criminal records search.

Public Records

  • Professional licences held (Doctor, lawyer, pharmacist, barber, insurance agent, pilot, etc)
  • Address history
  • Deed transfer data
  • Aircraft registration
  • Loan information (where the loan was secured with collateral: i.e. a car)
  • Bankruptcies, liens, and judgements
  • Controlled substance license (in case you want to know who can legally get illegal drugs)
  • Business affiliations – When you're an officer or principal of an incorporated company
  • Significant shareholder records

Employment history

They claim they'll only have history of employers who previously asked LexisNexis to do a background check on you.

Does that make you uncomfortable?

Data brokers are just a business like any other, but as the credit report companies proved, buying and reselling data carelessly leads to disaster. Considering that these reports are FAR more detailed with a much wider variety of information, I can only imagine the consequences of allowing them to proceed as they have been.

Fortunately, you may not have to.

I was able to order my report using this webpage. I believe that doing so would be a good idea, but after that, make sure to also use their opt out procedures if you can.

It turns out that they'll only let your data go if you can prove that you're an identity theft victim or in imminent danger of bodily harm (police officer, public officials, etc). But it's easy to understand why they make it hard. After all, why would you set free one of your prize milk cows for no good reason?

In the end, I hope that strong regulation is introduced before we reach a problem like we did with identity theft.

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Facebook Tracks You Even When Logged Out

So yesterday, we learned that OnStar tracks you even if you're not a customer and today, we learn that Facebook will track and monitor your web usage without your knowledge or permission… even if you're not logged in.

The social network is quietly retracting a cookie that continued to report your Facebook user ID even after you "logged out" of the site. But it's not sorry about five other cookies that persist after you sign off. What, you didn't think Facebook would ever let you actually for real seriously 100 percent sign out, did you?

Remember, you're not Facebook's customer, you're cattle. These kinds of issues will never stop so if you aren't using special software to counter Facebook's nastier sides, you're at a disadvantage.

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OnStar To Spy On People

OnStar was recently admonished by several senators for its plan to spy on people (even non-customers).

OnStar is apparently hoping to create a new revenue stream by collecting data about the movements of OnStar-equipped cars. Obviously, this data set will be more comprehensive—and, therefore, more lucrative—if it includes data from former OnStar subscribers as well as current ones. In an announcement e-mailed to subscribers earlier this month, the company said that, starting December 1, it would continue collecting data from subscribers even after they cancel their service. OnStar also said it reserved the right to sell aggregated and anonymized data to third parties.
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4th Amendment Summary by the EFF

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You can't use rights you don't know about or don't understand. The Electronic Frontier Foundation has posted a summary of your 4th amendment rights to deny the government permission to search you or your belongings (digital or otherwise).

It's good to know what you can and can't do since you should know that even when you've done nothing wrong, you may still get yourself into a lot of trouble if you are careless with your privacy.

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TSA Nude Scanners Coming To American Malls

You're kidding, right?
You're kidding, right?

So…

Wait.

What now?

A Yahoo article says that because women's cloths sizing is hard, they're going to nude scan them to figure out what they can wear. Seriously!?

Ms. Shaw, the entrepreneur, is chief executive of a company called MyBestFit that addresses the problem. It is setting up kiosks in malls to offer a free 20-second full-body scan — a lot like the airport, minus the pat-down alternative that T.S.A. agents offer.

Lauren VanBrackle, 20, a student in Philadelphia, tried MyBestFit when she was shopping last weekend.

“I can be anywhere from a 0 at Ann Taylor to a 6 at American Eagle,” she said. “It obviously makes it difficult to shop.” This time, the scanner suggested that at American Eagle, she should try a 4 in one style and a 6 in another. Ms. VanBrackle said she tried the jeans on and was impressed: “That machine, in a 30-second scan, it tells you what to do.”

That's cute. A strip search in the name of getting something to wear? So instead of wasting millions on this disrobing plan, why not standardize women's clothing and use inch measurements like men's clothes? How's that for an idea?

How long until someone hacks these poorly protected machines to record copies of all women scanned and the photos show up on the Internet? Will you put your teenage daughters in them?

This is so, so stupid, I can't believe it's actually true. I really hope this doesn't catch on because if it does, my faith in humanity will suffer yet again.

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RFID Chips in Hotel Towels

As anyone who reads much of my site knows, I'm not a fan of how RFID is being implemented. However, I'm not against the technology itself as it has many practical uses. For example, some hotels have begun putting washable RFID in the towels and bathrobes to keep people from stealing them.

Since the RFID towels have no privacy invading purpose at all and serve deter self-entitled punks who think it's ok to take hotel items, I will offer my tentative support for this. The main concern is feature creep meaning that depending how they implement this, they may also know which towels you used and when. I can't really see the hotels bothering to do so, but if they did, that would be crossing the line big time.

Source: http://intransit.blogs.nytimes.com/2011/04/11/gee-how-did-that-towel-end-up-in-my-suitcase/ (H/T to The Consumerist for the link)

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FTC Suggests “Privacy by Design”

The Federal Trade Commission proposed a new standard of privacy in American Industry recently:

“Despite some good actors, self-regulation of privacy has not worked adequately and is not working adequately for American consumers,” Jon Leibowitz, the chairman of the trade commission, said. “We’d like to see companies work a lot faster to make consumer choice easier.”

No kidding? Companies won't regulate themselves? Unbelievable!

Anyway, the article goes on to say:

The online advertising industry, Mr. Zaneis said, would suffer “significant economic harm” if the government controlled the do-not-track mechanism and there was “a high participation rate similar to that of do not call.” Mr. Zaneis said the industry would continue to build upon a self-regulatory framework and had recently put in place the use of icons on select online advertisements that allow users to opt out of customized advertising.

Oh boo hoo! Companies that have been tracking and tagging you like cattle would be upset if they had to stop. Waa.

Whether or not the FTC will get traction with this is uncertain, but it won't matter much if it's built into the browser AS IT SHOULD BE. Fortunately, Firefox at least is looking into this in an upcoming version.

(H/T to The Consumerist for the link) Tags: , , , ,

Debt Collectors Harrass Family And Friends Thanks to Facebook

I am constantly telling people to lock down their privacy settings because if you keep this stuff visible, this kind of story becomes possible. Apparently there was a debt collector that spammed friends and family of a debtor in order to pressure her to pay.

Melanie Beacham says she fell behind on her car payment after getting sick and taking a medical leave from work. She contacted MarkOne Financial to explain the situation but says the harassing phone calls, as many as 20 per day, kept coming. Then one day she got a call from her sister saying the company contacted her in Georgia. "I was telling her, 'No way, because you're not even a reference,'" said Beacham, who later found out MarkOne contacted her sister and other relatives via Facebook.
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TSA Scanner Political Cartoons

Check these out 🙂

Also a series of current articles and links about the issue here.

And finally a story of a pat down that’s been resurrected from 2002 by Penn of Penn and Teller.

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Nude Scan Photos Weren’t Supposed to be Stored – They Were

The TSA has constantly said that photos from the nudie scanners wouldn't be stored and therefore all us privacy nuts were just being paranoid.

However, when the government says "trust us" and doesn't provide either visibility or accountability, why are we wrong when we say "NO"?

Case in point: this story of nudie scanners where over 35000 photos were stored. Whoops.

To be fair, this wasn't the TSA, but US Marshalls in an Orlando courthouse, but the technology makes it possible. If the only thing that stops someone from recording a pic is a setting on the machine, I don't feel very safe.

(H/T to The Consumerist for the link) Tags: , , , ,
IDENTITY THEFT
How to Steal Identities - Why It's So Easy
Credit Freeze
Data Defense
Credit Monitoring
Id Theft Insurance
The Identity Theft Victim's Mini-Guide to Recovery
PRIVACY
The Geek Privacy Principle
Nothing to Hide
Data Abuse
RFID - Radio Frequency IDentification
Privacy Alias/Persona
Data Defense
INTERNET SAFETY
Online Addiction
The Consequences of Posting Online
Photo Safety
Tricks and Scams
Account Hijacking
Trusting Companies
PASSWORDS
Bad Passwords
Password Tips and Tricks
Password Protection
Password Mugging
Computer Security
E-mail Safety
Kids and Computers
Shopping Online
Retailers
All About Warranties

Data Abuse

Learn how your data is taken from you and used against you by large companies for their own benefit.

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How to Steal Identities - Why It's So Easy

Just why is it so easy to steal identities? Where is all this information coming from!?

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