LexisNexis freeze, opt-out and dispute: where each request goes

A LexisNexis freeze can be requested three ways, and LexisNexis lists all of them on its Security Freeze page: an online form, a phone call to 1-800-456-1244, or a written request mailed to LexisNexis Risk Solutions Consumer Center, Attn: Security Freeze, P.O. Box 105108, Atlanta, GA 30348-5108. We read that page, and the forms it links, on 13 Nov 2026.

The same P.O. box takes opt-out forms, report requests and disputes. Only the attention line changes. The table below sorts them out.

One P.O. box, four kinds of mail

The phone numbers differ by request, so the number on a forum post may reach a different desk from the one you need.

What a LexisNexis freeze does

In LexisNexis's words, a security freeze "prohibits LexisNexis Risk Solutions from releasing your LexisNexis Consumer Disclosure Report or your credit score without your express authorization." A company that asks for a frozen report gets a notice that a freeze is on file, with a line telling the consumer to call 1-800-456-1244 to have it lifted.

Five details from the same page that people ask about:

• It costs nothing. LexisNexis "does not charge a fee to apply, lift or remove a security freeze."
• It stops at LexisNexis. A freeze placed there "will not be in place at TransUnion, Equifax, Experian, Innovis or others."
• Companies you already deal with are not blocked. The freeze "does not apply to companies, or collection agencies acting on behalf of such companies, with which you have an existing account" when they review or collect that account.
• You can still get your own report. LexisNexis says a consumer with a freeze receives the Consumer Disclosure Report on request.
• You get a letter. Once the request is verified and processed, LexisNexis mails a confirmation.

What it blocks depends on your state

This is the part most pages skip. LexisNexis describes its freeze as a right "pursuant to state law," and says no information is returned to a customer when "the customer's permissible purpose is one that the consumer's state of residence had determined blocks the report." It adds that information can still be shared when a request meets a reason the freeze laws allow, and that such a request shows up on your report.

So two people in two states can freeze the same file and see different requests blocked. LexisNexis does not publish a state-by-state list on that page, and we have not found one on its consumer site.

Federal law has a freeze rule too, in 15 U.S.C. 1681c-1(i). It sets deadlines of one business day for a request by phone or secure electronic means and three business days for a request by mail, and it defines the agencies it covers by pointing to section 1681a(p): agencies that compile and maintain files on consumers on a nationwide basis. LexisNexis's freeze page does not cite that section. What it gives for timing is in its own instructions: "Once we have received your completed Security Freeze Request Form and verification documents, it will take one day to process your request."

Freezing by mail: what the form asks for

The Security Freeze Request Form is the third page of LexisNexis's freeze instructions. It asks for:

• full name, plus any alias or maiden name,
• date of birth, gender and Social Security number,
• driver's license number and state, and the prior number if the license was reissued in the last three years,
• current address, mailing address if different, and the prior address if you have lived at the current one for less than three years,
• the insurance company's name and reference number, if a LexisNexis report affected your auto, home or property insurance,
• email address, phone number, date and a signature marked "Required."

The instructions say to send a separate request for each person. If LexisNexis cannot process a request it sends a notice asking for more documents, and its Help page names the kinds: a utility statement dated within the last 60 days, a Social Security card, or a state-issued driver's license or ID card.

Because of that signature line, this is a form to print, sign in ink and mail yourself. A post office can send it as Certified Mail: the fee is $5.55 and an electronic return receipt is $2.91, plus postage (USPS Notice 123, price list effective 4 Oct 2026, read 13 Nov 2026). The online form and the phone line are the routes LexisNexis offers with no paper at all.

Freeze or opt-out: two different requests

LexisNexis runs these on separate forms, and its opt-out form says so: opt-outs under state privacy laws and security freeze requests "are handled through different forms." The Opt-Out page covers three things:

• Prescreened offers. Removing your information from the lists LexisNexis Risk Solutions Inc. compiles for firm offers of credit or insurance. LexisNexis notes this does not take you off the Equifax, TransUnion or Experian lists and gives 1-888-567-8688 for those.
• Direct marketing services. Removing your information from the marketing products of LexisNexis Risk Solutions FL Inc.
• Information suppression for personal safety. For public officials, law enforcement officers and private individuals at risk, with documents such as a protective order or a police report.

The two companies in that list matter. LexisNexis's consumer site says LexisNexis Risk Solutions Inc. is a consumer reporting agency as defined under the Fair Credit Reporting Act, and LexisNexis Risk Solutions FL Inc. is not. A freeze is about consumer reports. An opt-out is about lists and marketing products. One does not do the other's job.

The printable opt-out form goes to the same box with "Attn: Opt-Out/Opt-In," has a place to sign and date, and can only be submitted by someone 18 or older.

Disputing what is in your LexisNexis file

Start with the file. The Consumer Disclosure Report can be requested online, by phone at 1-866-897-8126, or with the Printable Request Form. The instructions for the mailed form say: "please allow approximately two weeks for processing," after which you get a letter with a PIN and a web address for the report, or a paper copy if you ask for one.

To dispute something in it, LexisNexis's contact page gives the Consumer Center box and the same phone number. Its one-page "Description of Procedure" says the dispute procedure includes "engagement with the source of the data regarding the disputed item, a complete reinvestigation of the disputed item with the source and a notice containing the results and findings mailed to the consumer." The notice names the source of the data and says whether the item was verified, corrected or removed, and comes with a current copy of your file.

Two points worth knowing before you write:

• LexisNexis often is not where the record started. Its procedure sheet gives the PACER Service Center as an example source for bankruptcies. If the court record is wrong, the court record is what has to change.
• Send evidence from the source. LexisNexis says that if you provide "source-based evidence," it includes it in the reinvestigation. Send copies, and keep the originals.

For a consumer reporting agency, the reinvestigation deadline in the Fair Credit Reporting Act is the end of the 30-day period that begins when it receives your dispute (15 U.S.C. 1681i). That is why people who dispute by mail keep a delivery record. Sending a dispute does not mean the item will be changed or removed.

Sending a dispute letter with Certisent

A dispute is a letter you write, so it can go through Certisent. The signed forms cannot.

1. Write the letter: who you are, the item in your LexisNexis report, why it is wrong, and what you are asking for.
2. Put the letter and copies of your supporting documents in one PDF. Those copies pass through our system to be printed, so decide whether you are comfortable uploading them.
3. Enter LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108 as the recipient and your own name and address as the sender.
4. Check the preview and pay $14.99. We print the pages and hand them to USPS as Certified Mail, and you get the tracking number, a proof of mailing and the electronic return receipt.

We cannot promise a delivery date. We are not a credit repair organization. You pay for mailing a letter, nothing else, and what the letter says is up to you.