Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • TheBigBad
    • By TheBigBad 28th Jul 13, 9:53 AM
    • 100Posts
    • 19Thanks
    TheBigBad
    BARCLAYS BANK PLC-LEXISNEXIS RIS on my equifax report
    • #1
    • 28th Jul 13, 9:53 AM
    BARCLAYS BANK PLC-LEXISNEXIS RIS on my equifax report 28th Jul 13 at 9:53 AM
    Does anyone know who/what this is? This was only done a few days ago, I bank with Barclays but have not asked them for anything recently.

    LexisNexis http://www.lexisnexisrisk.co.uk/lexis-diligence.php seem to be some sort of risk management company.
Page 1
    • happy_bunny
    • By happy_bunny 28th Jul 13, 12:06 PM
    • 4,480 Posts
    • 1,758 Thanks
    happy_bunny
    • #2
    • 28th Jul 13, 12:06 PM
    • #2
    • 28th Jul 13, 12:06 PM
    Similar thing here I think
    http://forums.moneysavingexpert.com/showthread.php?p=62639929#post62639929
    • stclair
    • By stclair 28th Jul 13, 1:38 PM
    • 6,173 Posts
    • 3,313 Thanks
    stclair
    • #3
    • 28th Jul 13, 1:38 PM
    • #3
    • 28th Jul 13, 1:38 PM
    It's just an anti money laundering search, banks tend to do them now and again.

    It's nothing to worry about as the searches are not visible to other lenders.
    I Work For the RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • iblametheparents
    • #4
    • 6th Aug 13, 12:18 PM
    • #4
    • 6th Aug 13, 12:18 PM
    If you change your address over the phone and don't have a telephone banking passcode then the adviser does a soft search of your credit file and asks you personalised questions to verify your identity. You are advised of this before the search is done.
    Barclays employee - all views are my own.
    • agarnett
    • By agarnett 20th Feb 15, 2:42 PM
    • 695 Posts
    • 246 Thanks
    agarnett
    • #5
    • 20th Feb 15, 2:42 PM
    • #5
    • 20th Feb 15, 2:42 PM
    If you change your address over the phone and don't have a telephone banking passcode then the adviser does a soft search of your credit file and asks you personalised questions to verify your identity. You are advised of this before the search is done.
    Originally posted by iblametheparents
    Yes, just got the same marker for that reason in my Equifax records. I don't call them very often and needed urgently to call when I was out because I'd had a dumb text message from Barclays that made no sense.

    What we are not told is that LexisNexis is a US company and clearly, based upon the correct responses to some of the "personalised" questions asked, it stores personal data which has long since been removed from UK CRA databases, e.g. addresses last occupied by the data subject 20 years ago.

    Questions might be:
    • why do Barclays use personal data like that which is stored offshore ?
    • is it acceptable for UK citizens' life history personal data like that to be in the hands of a US company, when it is not acceptable for it to remain stored by a UK company?
    Last edited by agarnett; 20-02-2015 at 2:44 PM.
    • GingerBob
    • By GingerBob 20th Feb 15, 3:00 PM
    • 1,878 Posts
    • 720 Thanks
    GingerBob
    • #6
    • 20th Feb 15, 3:00 PM
    • #6
    • 20th Feb 15, 3:00 PM
    Yes, just got the same marker for that reason in my Equifax records. I don't call them very often and needed urgently to call when I was out because I'd had a dumb text message from Barclays that made no sense.

    What we are not told is that LexisNexis is a US company and clearly, based upon the correct responses to some of the "personalised" questions asked, it stores personal data which has long since been removed from UK CRA databases, e.g. addresses last occupied by the data subject 20 years ago.


    Questions might be:
    • why do Barclays use personal data like that which is stored offshore ?
    • is it acceptable for UK citizens' life history personal data like that to be in the hands of a US company, when it is not acceptable for it to remain stored by a UK company?
    Originally posted by agarnett
    No, it absolutely isn't, but there's nothing we can do about it. The ICO is a toothless, spineless waste of space that most organisations simply ignore.
    • Sluke
    • By Sluke 18th Sep 15, 4:25 PM
    • 1 Posts
    • 0 Thanks
    Sluke
    • #7
    • 18th Sep 15, 4:25 PM
    • #7
    • 18th Sep 15, 4:25 PM
    This just hit my credit file, i worked out with the help of my local branch that it was because i got asked 3 questions by 'Verified by Visa' during an internet transaction. The VbV gets the questions from stuff in your credit file.
    • agarnett
    • By agarnett 21st Sep 15, 2:18 PM
    • 695 Posts
    • 246 Thanks
    agarnett
    • #8
    • 21st Sep 15, 2:18 PM
    • #8
    • 21st Sep 15, 2:18 PM
    The VbV gets the questions from stuff in your credit file.
    Er ... no, I don't think so, unless you are defining LexisNexis as a trustworthy and expected guardian of your "credit file". See previous posts in this thread. It seems to get the data from an offshore American outfit called LexisNexis who store aged personal data of the type that appears to be a breach of DPA for a CRA to store under UK law.

    So I think we can be fairly safe in the assumption that LexisNexis buy data from UK CRAs at a point before the UK CRAs are obliged under UK law to give it up.

    Your personal data lives in perpetuity of course somewhere in the world irrespective of UK law or indeed any law. There's money to be made by outlaws.
Welcome to our new Forum!

Our aim's to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,669Posts Today

7,265Users online

Martin's Twitter