Another one on your to do list: LexisNexis
To be fair, they're not primarily a credit agency - but they collect a lot of info on your housing/mortgage history (like Innovis), your insurance history (home & auto), and a lot of public info.
If you by chance know an institutional debt collector, most likely they are very familiar with LexisNexis. Most of the info they obtain is from the public records, but not all of it, and the skeevy thing about them is how they organize and use all that information to sell others dossiers on you.
They're pretty sneaky, if you go to their security freeze information site,
https://personalreports.lexisnexis.com/freeze.jsp, they insinuate that getting a freeze at the big three is what you should do - but that's not the full story.
By looking through google results I found how to freeze your consumer file (
I could not find this on the website itself).
Freeze your LexisNexis Consumer File:
https://personalreports.lexisnexis.com/pdfs/nc_freeze_request.pdfIf you keep digging you'll find additional actions that are not even on their "Consumer Personal Reports" website, instead it's here:
https://www.lexisnexis.com/en-us/privacy/default.pageOther Actions to Take (as these are not covered by FCRA):
LexisNexis Information Suppression -
https://optout.lexisnexis.com/oo.jsp(They claim they need a good reason, but I didn't give one and they still did it)
Direct Marketing Services Opt-Out -
https://www.lexisnexis.com/privacy/directmarketingopt-out.aspxCredit and Insurance Offers Opt-Out -
https://risk.lexisnexis.com/prescreened-offers-optoutSee what they have on you -
https://personalreports.lexisnexis.com/pdfs/CD107_CP-File-Disclosure-Request-Form_pg-3.pdf and
https://www.lexisnexis.com/privacy/for-consumers/CD307_Accurint_Person_Report_Info_Form.pdfUnfortunately it's pretty voluntary on their part, but it can't hurt to try and further restrict access to your personal information.