Good Morning! I just stumbled across something in an adverse action audit and wanted to get some feedback.

We currently use CBC Innovis to pull credit bureau information in relation to our mortgage products. This is a tri-merge report but I realized today, it's also pulling in lien and judgment information from Lexis Nexis Risk Solutions. In this particular case, the information reported by Lexis Nexis was the reason for our adverse action. So, when completing the adverse action form, I believe Lexis Nexis needs to be the CRA listed under "Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency..." Then as far as the credit score information, we would list the middle score per our procedures.

Does this sound correct or am I way off base here? Thanks in advance!

You list the reseller - regardless of where they get their data.

Would you also list Lexis Nexis also? We added this to our Credit Bureaus through Kroll Factual and have always listed Kroll but didn't think about Lexis.

I am not sure I understand? Lexis Nexis has a lot of products and not all are credit reports

This is pertaining to the Risk Solutions that checks the judgments and liens as posed in the first poster's scenario. Sorry if I did not make that clear.

If Kroll is the reseller of the information, then you would list Kroll.

To open a deposit account we use the Qualifile Score from ChexSystems......and we use Lexis Nexis ONLY for identity verification....it produces a FraudScore.....based on Red Flags and identity information....

If we decline solely on the Lexis Nexis identity information does this trigger an adverse action notice......this is not based on any credit information....