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10275\u0275elementStart(13,"span",8),o.\u0275\u0275element(14,"img",9),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(15,"span",10),o.\u0275\u0275text(16," By "),o.\u0275\u0275elementStart(17,"a",11),o.\u0275\u0275elementStart(18,"b"),o.\u0275\u0275text(19,"Michel Mora"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(20),o.\u0275\u0275elementStart(21,"span",12),o.\u0275\u0275text(22,"13 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(23,"div",13),o.\u0275\u0275elementStart(24,"picture",14),o.\u0275\u0275element(25,"source",15),o.\u0275\u0275element(26,"source",16),o.\u0275\u0275element(27,"source",17),o.\u0275\u0275element(28,"img",18),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(29,"div",19),o.\u0275\u0275elementStart(30,"span",20),o.\u0275\u0275text(31,"Data Brokers"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(32,"div",21),o.\u0275\u0275text(33,"When a stranger\u2019s error inflates your bills"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(34,"p",22),o.\u0275\u0275text(35," A mistaken record on a LexisNexis consumer report can double your insurance premium or lock you out of your own bank account. Here\u2019s how mixed files happen \u2014 and how to fight back. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(36,"nav",23),o.\u0275\u0275elementStart(37,"h2"),o.\u0275\u0275text(38,"Table of Contents"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(39,"ol"),o.\u0275\u0275elementStart(40,"li"),o.\u0275\u0275elementStart(41,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S2")})("keydown.enter",function(){return t.scrollTo("S2")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S2")}),o.\u0275\u0275text(42,"A Premium That Doubled Overnight"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(43,"li"),o.\u0275\u0275elementStart(44,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S3")})("keydown.enter",function(){return t.scrollTo("S3")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S3")}),o.\u0275\u0275text(45,"A Big Problem Likely to Get Worse"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(46,"li"),o.\u0275\u0275elementStart(47,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S4")})("keydown.enter",function(){return t.scrollTo("S4")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S4")}),o.\u0275\u0275text(48,"What They Know About You"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(49,"li"),o.\u0275\u0275elementStart(50,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S5")})("keydown.enter",function(){return t.scrollTo("S5")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S5")}),o.\u0275\u0275text(51,"The Mistakes"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(52,"li"),o.\u0275\u0275elementStart(53,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S6")})("keydown.enter",function(){return t.scrollTo("S6")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S6")}),o.\u0275\u0275text(54,"How Mixed Files Happen"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(55,"li"),o.\u0275\u0275elementStart(56,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S7")})("keydown.enter",function(){return t.scrollTo("S7")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S7")}),o.\u0275\u0275text(57,"Correcting the Errors"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(58,"li"),o.\u0275\u0275elementStart(59,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S8")})("keydown.enter",function(){return t.scrollTo("S8")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S8")}),o.\u0275\u0275text(60,"The Scale of the Problem Isn\u2019t Known"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(61,"li"),o.\u0275\u0275elementStart(62,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S9")})("keydown.enter",function(){return t.scrollTo("S9")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S9")}),o.\u0275\u0275text(63,"Operating in the \u2018Wild West\u2019"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(64,"li"),o.\u0275\u0275elementStart(65,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S10")})("keydown.enter",function(){return t.scrollTo("S10")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S10")}),o.\u0275\u0275text(66,"Tolbert Is Still Fighting"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(67,"li"),o.\u0275\u0275elementStart(68,"span",24),o.\u0275\u0275listener("click",function(){return t.scrollTo("S11")})("keydown.enter",function(){return t.scrollTo("S11")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S11")}),o.\u0275\u0275text(69,"FAQs"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(70,"h2",25),o.\u
10275\u0275elementStart(71,"span",26),o.\u0275\u0275elementStart(72,"span",27),o.\u0275\u0275text(73,"1"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(74," A Premium That Doubled Overnight"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(75,"p"),o.\u0275\u0275text(76," Thomas Tolbert doesn\u2019t own a motorcycle. But when he switched insurance companies earlier this year, his premium almost doubled based on an incident he supposedly had on one, he says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(77,"p"),o.\u0275\u0275text(78," Tolbert says he traced the bad information to his Comprehensive Loss Underwriting Exchange auto report, a collection of data auto insurers use to approve clients and set premiums. C.L.U.E. reports are generated and sold by LexisNexis Risk Solutions. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(79,"p"),o.\u0275\u0275text(80," Consumers are often urged to regularly check for errors in credit reports from the big three bureaus \u2014 Equifax, Experian and TransUnion. But you may want to add LexisNexis to the list. (For more information on how to do that, check out "),o.\u0275\u0275elementStart(81,"a",28),o.\u0275\u0275text(82,"part 2 of this story"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(83,".) "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(84,"p"),o.\u0275\u0275text(85," The company aggregates and sells consumer data \u2014 about 150 different reports on people like you. While many data companies have a niche, such as credit or insurance, LexisNexis reports cover numerous aspects of consumers\u2019 financial lives, helping other companies figure out whether to renew your insurance, approve your loan or offer you a job, among others. And, like credit reports from the big three, your LexisNexis file can contain mistakes, such as outdated information or data about someone else, which can adversely affect your finances. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(86,"p"),o.\u0275\u0275text(87," While Tolbert\u2019s report included the two vehicles he and his son drive, it also listed an alleged motorcycle incident probably involving a different Thomas Tolbert. (The other Tolbert could not be located for comment.) According to the report, which Tolbert provided to NerdWallet, the two Tolberts both live in Florida and at one time used the same insurer. They have different middle initials and different home addresses. LexisNexis had seemingly confused their data in what\u2019s commonly known by industry experts as a \u201cmixed file.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(88,"p"),o.\u0275\u0275text(89," Tolbert was able to correct his C.L.U.E. report, but he says it came too late for the insurer to lower his premium \u2014 so he tried to switch companies again. A new insurer initially quoted him about $370 per month for his cars, but soon revised the quote to about $620 because, Tolbert says, he was mixed up with the same individual again. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(90,"p"),o.\u0275\u0275text(91," Tolbert says this situation has forced him to reduce his coverage and go without for a period of time. And the time he spends disputing the mixed file \u2014 which can feel like a game of whack-a-mole \u2014 is time he can\u2019t devote to his work in real estate. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(92,"p"),o.\u0275\u0275text(93," The lost time and high premium are \u201ctaking money out of my pocket,\u201d he says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(94,"h2",29),o.\u0275\u0275elementStart(95,"span",26),o.\u0275\u0275elementStart(96,"span",27),o.\u0275\u0275text(97,"2"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(98," A Big Problem Likely to Get Worse"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(99,"p"),o.\u0275\u0275text(100," Errors in consumer reports are a big problem, says Alan Butler, senior counsel for the Electronic Privacy Information Center. \u201cThe burden ultimately should not be falling on consumers.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(101,"p"),o.\u0275\u0275text(102," People can have their reputations hurt by companies they\u2019ve never heard of, and often don\u2019t know until the damage is done, according to Michael Rapp, a Kansas City-based consumer attorney whose firm has reached dozens of settlements against LexisNexis and companies like it over more than a decade. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(103,"blockquote",30),o.\u0275\u0275text(104," \u201cThis is the biggest thing you don\u2019t know anything about,\u201d he says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(10
15,"p"),o.\u0275\u0275text(106," In a written statement, LexisNexis spokesperson Jennifer Grigas Richman emphasizes that the company\u2019s data procedures meet or exceed industry and regulatory requirements. \u201cWe cannot underscore enough our commitment to accuracy,\u201d she says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(107,"p"),o.\u0275\u0275text(108," But consumer lawyers and privacy advocates worry the problem with mixed files and other data errors is likely to get worse. A Government Accountability Office report in 2013 noted \u201ca vast increase\u201d in the number and types of companies that collect and sell consumer data \u2014 often called data brokers \u2014 and suggested Congress consider stronger regulation of the industry, which includes LexisNexis. More than five years later, the regulatory landscape hasn\u2019t changed much, but the industry has continued to grow and evolve. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(109,"p"),o.\u0275\u0275text(110," These days, Rapp says, it\u2019s almost impossible to avoid being tracked by data brokers \u2014 not just LexisNexis. \u201cIf you have a pulse, you have a report,\u201d he says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(111,"p"),o.\u0275\u0275text(112," Data brokers \u201coperate in a legal vacuum\u201d when it comes to many kinds of consumer data, says Dr. Lydia de la Torre, a data protection law professor at Santa Clara University who has worked with companies including eBay and PayPal on privacy issues. Although lawmakers have recently proposed a series of regulations to protect consumers from the industry, de la Torre isn\u2019t optimistic any will pass in the near term. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(113,"h2",31),o.\u0275\u0275elementStart(114,"span",26),o.\u0275\u0275elementStart(115,"span",27),o.\u0275\u0275text(116,"3"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(117," What They Know About You"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(118,"p"),o.\u0275\u0275text(119," LexisNexis Risk Solutions compiles much of its information through public records, such as documents from courthouses and government agencies. Buying a home, getting married or registering a business can all show up in public documents and your LexisNexis file. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(120,"p"),o.\u0275\u0275text(121," Going to college is one of the things that can populate your LexisNexis file. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(122,"p"),o.\u0275\u0275text(123," Even if you never do any of those things, going about your life can still create a record that LexisNexis can collect. Going to college, holding a professional license, having a cell phone, registering to vote and using your email to register for a website are just some of the things that can also populate your file. According to the company\u2019s website, it holds 83 billion public records on 282 million unique identities \u2014 an average of about 290 records per identity. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(124,"p"),o.\u0275\u0275text(125," It also compiles data from private sources, according to Richman. For some reports, these sources include insurance companies, industry experts say. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(126,"p"),o.\u0275\u0275text(127," \u201cI\u2019m really surprised if they don\u2019t know what people had for breakfast,\u201d says Kristi Kelly, a consumer law attorney in Fairfax, Virginia, who has argued several mixed-file cases against LexisNexis. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(128,"p"),o.\u0275\u0275text(129," Data brokers like LexisNexis are essentially shopping malls for information, according to Ed DeForest, vice president and senior credit officer at Moody\u2019s Investors Service. Companies that offer mortgages, insurance or other products can turn to LexisNexis to help determine a consumer\u2019s risk profile. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(130,"p"),o.\u0275\u0275text(131," While this ease of sharing information can streamline the approval process \u2014 generally a good thing \u2014 it can also exacerbate the impact of erroneous information. Once a mistake is made, it can efficie
1ntly spread from LexisNexis to its clients, including other companies that collect and sell consumer data. And this happens largely hidden from the public\u2019s view. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(132,"h2",32),o.\u0275\u0275elementStart(133,"span",26),o.\u0275\u0275elementStart(134,"span",27),o.\u0275\u0275text(135,"4"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(136," The Mistakes"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(137,"p"),o.\u0275\u0275text(138," For almost two decades, Donald Jaynes says, he received phone calls and mail for a man named Donald Whitehead. (Whitehead could not be reached for comment.) Companies were trying to reach him, wanting payment of bills. Jaynes says he first learned he was being confused with someone else when a credit check was done on him while leasing a car in 1997. He disputed the connection with all three credit bureaus, and Experian responded with a letter saying it had corrected its records. Jaynes doesn\u2019t remember receiving letters from the other bureaus. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(139,"p"),o.\u0275\u0275text(140," But Jaynes says that\u2019s when the calls and mail started, leading him to spend hundreds of hours following up with the creditors that contacted him and trying to determine the source of their information. Jaynes says he traced the issue to LexisNexis and filed a dispute with the company. He says the calls and mail for Whitehead stopped after that, in 2016 \u2014 but only temporarily. After believing he had finally fixed the problem, Jaynes says he received another call for Whitehead in August of this year. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(141,"p"),o.\u0275\u0275text(142," Jaynes, who lives in Indiana and worked as a CPA, says he often worried the confusion from his mixed file would prevent him from finding work or financing, despite his own good credit. He later learned, from a collections agent, that his Social Security number differs from Whitehead\u2019s by a single digit. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(143,"p"),o.\u0275\u0275text(144," While Jaynes and Tolbert have been mixed up with strangers, other consumers have found their data muddled with information from family members. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(145,"p"),o.\u0275\u0275text(146," Freelance writer and digital content strategist Farah Fard says she was unable to access her bank account online on multiple occasions because the security questions didn\u2019t pertain to her, but rather to her twin sister. Fard says she learned LexisNexis was her bank\u2019s information source. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(147,"p"),o.\u0275\u0275text(148," \u201cI am just really sick of companies like this acting like it\u2019s just an, \u2018Oh well, oops,\u2019 when it has real time consequences for those of us cleaning up these glaring mistakes,\u201d she says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(149,"p"),o.\u0275\u0275text(150," In a written statement, LexisNexis\u2019 Richman declined to comment on Fard\u2019s case or any other, citing privacy concerns. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(151,"h2",33),o.\u0275\u0275elementStart(152,"span",26),o.\u0275\u0275elementStart(153,"span",27),o.\u0275\u0275text(154,"5"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(155," How Mixed Files Happen"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(156,"p"),o.\u0275\u0275text(157," Mixed files can occur when the information provided to LexisNexis is wrong \u2014 such as if an auto insurer confuses two drivers when sharing its information. But mix-ups can happen even if the information provided to LexisNexis is right. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(158,"p"),o.\u0275\u0275text(159," For example, the insurer that covered both Thomas Tolberts provided a document that showed its records hadn\u2019t confused the two. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(160,"p"),o.\u0275\u0275text(161," Mixed files can occur when an auto insurer confuses two drivers when sharing its information with LexisNexis, but they also happen when the data provided is correct. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(162,"p"),o.\u0275\u0275text(163," So if the insurer\u2019s information was correct, what led to the mix-up? "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(164,"p"),o.\u0275\u0275text(165," When LexisNexis doesn\u2019t have \u2014 or doesn\u2019t use \u2014 enough information about an individual when running a search, that can result in multiple people\u2019s data ending up on one person\u2019s report, according to attorney John Soumilas. The Philadelphia-based consumer lawyer has represented plaintiffs on multiple lawsuits against the company. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(166,"p"),o.\u0275\u0275text(167," For example, Soumilas\u2019 firm won a lawsuit in 2014 representing David Smith, a Michigan man who was initially denied a job after his background check turned up a criminal record belonging to a different David Smith. According to the judge\u2019s ruling, LexisNexis hadn\u2019t required the employer to provide a middle name. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(168,"p"),o.\u0275\u0275text(169," Lawyers for LexisNexis contested the verdict, arguing that it had no prior notice that its procedures presented a problem, nor did it know of a reasonable alternative matching procedure that it failed to use, according to a court filing. The jury awarded Smith $375,000, but he eventually received about $75,000 in damages, because the trial court found the original damages award was excessive. An appeals decision agreed and found that LexisNexis had not willfully violated its obligations. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(170,"p"),o.\u0275\u0275text(171," \u201cThere\u2019s no good reason not to use a Social Security number when it\u2019s available, or a date of birth, or a middle name,\u201d Soumilas maintains. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(172,"p"),o.\u0275\u0275text(173," In some cases, LexisNexis includes information even if names don\u2019t match, according to Kelly, the consumer attorney in Virginia. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(174,"p"),o.\u0275\u0275text(175," Kelly says she recently reached a settlement for a client whose car insurance premiums skyrocketed after LexisNexis placed accidents and claims belonging to four other people on her client\u2019s report. The other people\u2019s names were spelled differently from her client\u2019s, and the birthdates and Social Security numbers didn\u2019t match, either, Kelly says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(176,"p"),o.\u0275\u0275text(177," Common names can increase the risk for a mixed file at LexisNexis and other similar companies. So can non-Anglicized names, which might not fit neatly into companies\u2019 matching algorithms, according to Kelly. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(178,"p"),o.\u0275\u0275text(179," James Francis, a colleague of John Soumilas\u2019 who has won settlements against LexisNexis and companies like it for 20 years, complains that LexisNexis seems to view its obligations to accuracy as \u201cminimal, at best.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(180,"p"),o.\u0275\u0275text(181," LexisNexis spokesperson Richman wouldn\u2019t comment on specific policies and declined to address Francis\u2019 comment, but says that the company undergoes regular audits to ensure legal compliance. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(182,"p"),o.\u0275\u0275text(183," No matter how an error begins, LexisNexis\u2019 wide reach means consumers need to correct any misinformation the company spreads. But, as some consumers have learned, it\u2019s much easier to find an error than to fix one. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(184,"h2",34),o.\u0275\u0275elementStart(185,"span",26),o.\u0275\u0275elementStart(186,"span",27),o.\u
10275\u0275text(187,"6"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(188," Correcting the Errors"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(189,"p"),o.\u0275\u0275text(190," LexisNexis has a "),o.\u0275\u0275elementStart(191,"a",35),o.\u0275\u0275text(192,"dispute process"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(193," for people who have found inaccurate or incomplete information on their file. The client of Kelly\u2019s who faced sky-high car insurance rates got her record corrected within a few weeks after filing her dispute. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(194,"p"),o.\u0275\u0275text(195," \u201cWe encourage consumers to notify us of potential inaccuracies in their data so that we can further ensure the accuracy of our information,\u201d Richman says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(196,"p"),o.\u0275\u0275text(197," But for some, the process is less straightforward. The first step is to request a copy of your personal report. Fard, the writer, says it took three attempts over eight months to receive hers, after getting conflicting answers from customer service about whether it was possible to dispute the report. Jaynes says he had similar difficulties. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(198,"p"),o.\u0275\u0275text(199," She says that for her, \u201cIt just seems like LexisNexis records are a mutation of information that just snowballs.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(200,"p"),o.\u0275\u0275text(201," Fard says she requested changes to her file last March, but as of August, she has yet to receive a response from LexisNexis. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(202,"p"),o.\u0275\u0275text(203," For consumers who have a job offer or an insurance policy on the line, LexisNexis\u2019 dispute process \u2014 even if it goes smoothly \u2014 may not be fast enough. Kelly\u2019s client alleged she had to pay more than $1,500 for six months of car insurance \u2014 more than four times the market rate, according to the initial complaint. Soumilas\u2019 client Smith, whose background check got mixed up with a criminal\u2019s, was temporarily unemployed and was unable to pay his bills, according to evidence submitted at the trial. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(204,"p"),o.\u0275\u0275text(205," In cases like Tolbert\u2019s, a fixed report might not stay fixed, either. It can be difficult to truly solve an error \u201cwithout real humans talking to real people and pulling up real records,\u201d according to Rapp, the attorney. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(206,"p"),o.\u0275\u0275text(207," And the fact that data brokers often share information makes corrections all the more complicated. You might find that the data broker that distributed an inaccurate report about you doesn\u2019t know where the information came from, says Butler of the Electronic Privacy Information Center. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(208,"h2",36),o.\u0275\u0275elementStart(209,"span",26),o.\u0275\u0275elementStart(210,"span",27),o.\u0275\u0275text(211,"7"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(212," The Scale of the Problem Isn\u2019t Known"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(213,"p"),o.\u0275\u0275text(214," LexisNexis won\u2019t say how many mixed files there are. During Smith\u2019s lawsuit, the company contended that during a recent five-year period, it had generated 24 million consumer reports, and that its reports had an overall dispute rate of only 0.2% \u2014 which would be about 48,000 disputes about multiple issues, including mixed files, during that time. In a 2016 decision on the case, the 6th U.S. Circuit Court of Appeals called this rate \u201cremarkably low.\u201d Richman would not provide additional detail but called the inclusion of inaccurate data in its reports \u201crare.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(215,"p"),o.\u0275\u0275text(2
116," But these numbers are unlikely to reflect the extent of the problem, says Francis, the attorney. \u201cThat only would address the number of people who disputed, not the number of errors that are actually created. And not everybody disputes.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(217,"p"),o.\u0275\u0275text(218," A 2004 report by the Federal Trade Commission found that credit reports by Experian, Equifax and TransUnion contain Social Security numbers that are off by a digit or two about 1% to 2% of the time. A 2012 follow-up report found that, for credit reports with disputed collection information, data that didn\u2019t belong to the consumer was alleged in 84% of cases. About 40% of those consumers were unable to find a resolution after a dispute, the FTC reported. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(219,"p"),o.\u0275\u0275text(220," Accusations of incorrect information make up more than half of the credit or consumer reporting complaints the Consumer Financial Protection Bureau receives, according to a 2018 report. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(221,"p"),o.\u0275\u0275text(222," And mixed files are a common problem Kelly sees in her cases with data brokers. She says a lot of her clients end up suing \u201cthe same consumer reporting agencies, including LexisNexis, over and over for the same violations because they don\u2019t correct them.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(223,"h2",37),o.\u0275\u0275elementStart(224,"span",26),o.\u0275\u0275elementStart(225,"span",27),o.\u0275\u0275text(226,"8"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(227," Operating in the \u2018Wild West\u2019"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(228,"p"),o.\u0275\u0275text(229," Complicating matters is the lack of federal regulation of consumer data. The Fair Credit Reporting Act, which entitles you to free annual reports and prompt resolution of disputes, among other things, applies to some LexisNexis reports, but not all. There is no comprehensive federal regulation covering the data broker industry \u2014 just a few state laws and some federal statutes regulating particular types of consumer data, many dating from the 1990s and earlier. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(230,"p"),o.\u0275\u0275text(231," Lawmakers have proposed regulations in the past year that would affect data brokers, including laws that would expand FCRA protections, allow more thorough consumer opt-outs and levy stricter penalties on executives of companies found to be violating the rules. But Santa Clara University\u2019s de la Torre doesn\u2019t think any will be passed in the next couple of years because of other government priorities. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(232,"p"),o.\u0275\u0275text(233," For now, many companies are operating \u201cin the Wild West, and they just do whatever they want,\u201d says Francis, the consumer lawyer. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(234,"p"),o.\u0275\u0275text(235," Even on reports that are governed by the FCRA, Francis contends that companies\u2019 practices for data retrieval can fall short of the FCRA standard, which requires credit reporting agencies to maintain \u201cmaximum possible accuracy\u201d in their data. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(236,"p"),o.\u0275\u0275text(237," LexisNexis\u2019 Richman counters that the company is in strict compliance with the FCRA. \u201cWe strive to achieve the highest precision rate possible,\u201d she says. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(238,"p"),o.\u0275\u0275text(239," In the 6th Circuit Court\u2019s 2016 decision on the Smith case, the panel noted, \u201cA reasonable jury could conclude that Lexis negligently violated the FCRA by not requiring Smith\u2019s middle name.\u201d The appeals court affirmed the Michigan district court decision, which called the deficiencies in LexisNexis\u2019 matching procedures \u201cglaring.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(240,"p"),o.\u0275\u0275text(241," But the 6th Circuit also declined to uphold a portion of the damages the lower court awarded Smith, in part because the panel held that there was evidence LexisNexis\u2019 procedures met or exceeded industry standards. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(242,"p"),o.\u0275\u0275text(243," \u201cI\u2019m sure that the big companies spend a lot of money on compliance,\u201d EPIC\u2019s Butler says. \u201cThat doesn\u2019t really provide much comfort if there\u2019s still significant errors going on.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(244,"p"),o.\u0275\u0275text(245," And the errors we know about, Butler adds, are just \u201cthe tip of the iceberg.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(246,"h2",38),o.\u0275\u0275elementStart(247,"span",26),o.\u0275\u0275elementStart(248,"span",27),o.\u
10275\u0275text(249,"9"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(250," Tolbert Is Still Fighting"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(251,"p"),o.\u0275\u0275text(252," Rather than attempt the traditional dispute process with LexisNexis again, Tolbert says, he served it with an intent to file suit. As of June, he said he had not received a response. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(253,"p"),o.\u0275\u0275text(254," \u201cI just want this matter resolved, and I want it to stay resolved,\u201d Tolbert says. \u201c[They] need to learn [they] can\u2019t just do this to people and walk away.\u201d "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(255,"p"),o.\u0275\u0275text(256,"More From NerdWallet"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(257,"p"),o.\u0275\u0275elementStart(258,"a",39),o.\u0275\u0275text(259,"How to See What 5 Data Reports Reveal About You"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(260,"br"),o.\u0275\u0275elementStart(261,"a",40),o.\u0275\u0275text(262,"The 3 Credit Bureaus Matter a Lot to You \u2014 Here\u2019s Why"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(263,"br"),o.\u0275\u0275elementStart(264,"a",41),o.\u0275\u0275text(265,"Every Claim You Make, Insurers Are Watching You"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(266,"br"),o.\u0275\u0275text(267," Alice Holbrook is a writer at NerdWallet. Email: [email protected]. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(268,"p"),o.\u0275\u0275text(269," The article "),o.\u0275\u0275elementStart(270,"a",42),o.\u0275\u0275text(271,"Are You Paying for Someone Else\u2019s Mistakes? This Company\u2019s Mix-Ups Could Be Scrambling Your Finances"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(272," originally appeared on NerdWallet. "),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(273,"div",43),o.\u0275\u0275elementStart(274,"span"),o.\u0275\u0275text(275,"Share:"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(276,"a",44),o.\u0275\u0275namespaceSVG(),o.\u0275\u0275elementStart(277,"svg",45),o.\u0275\u0275element(278,"path",46),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275namespaceHTML(),o.\u0275\u0275elementStart(279,"a",47),o.\u0275\u0275namespaceSVG(),o.\u0275\u0275elementStart(280,"svg",45),o.\u0275\u0275element(281,"path",48),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275namespaceHTML(),o.\u0275\u0275elementStart(282,"a",49),o.\u0275\u0275namespaceSVG(),o.\u0275\u0275elementStart(283,"svg",45),o.\u0275\u0275element(284,"path",50),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275namespaceHTML(),o.\u0275\u0275elementStart(285,"div",51),o.\u0275\u0275elementStart(286,"span",8),o.\u0275\u0275element(287,"img",9),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(288,"div",52),o.\u0275\u0275elementStart(289,"strong"),o.\u0275\u0275text(290,"Billshark"),o.\u0275\u0275elementEnd(),o.\u0275\u0275text(291," \xb7 Bill Negotiation Experts"),o.\u0275\u0275element(292,"br"),o.\u0275\u0275elementStart(293,"span",53),o.\u0275\u0275text(294,"Helping consumers and small businesses stop overpaying on recurring bills."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(295,"section",54),o.\u0275\u0275elementStart(296,"div",2),o.\u0275\u0275elementStart(297,"div",55),o.\u0275\u0275elementStart(298,"h2",56),o.\u0275\u0275text(299,"Frequently Asked Questions"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(300,"div",57),o.\u0275\u0275elementStart(301,"details",58),o.\u0275\u0275elementStart(302,"summary"),o.\u0275\u0275elementStart(303,"h3"),o.\u0275\u0275text(304,"What is a \u201cmixed file\u201d and how can it affect my finances?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(305,"p"),o.\u0275\u0275text(306,"A mixed file happens when a data broker like LexisNexis combines your records with someone else\u2019s. In the article, Thomas Tolbert\u2019s premium nearly doubled over a motorcycle incident that belonged to a different Thomas Tolbert. Mixed files can raise insurance premiums, lock you out of bank accounts, trigger debt-collection calls for strangers, and even cause a job offer to be denied based on someone else\u2019s record."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(307,"details"),o.\u0275\u0275elementStart(308,"summary"),o.\u0275\u0275elementStart(309,"h3"),o.\u0275\u0275text(310,"Who is LexisNexis Risk Solutions and what data does it hold?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(311,"p"),o.\u0275\u0275text(312,"LexisNexis Risk Solutions aggregates and sells consumer data, offering about 150 different reports used by companies to renew insurance, approve loans or make hiring decisions. According to its website, it holds 83 billion public re
1cords on 282 million unique identities \u2014 about 290 records per identity. Sources include public records like courthouse documents plus private sources such as insurance companies."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(313,"details"),o.\u0275\u0275elementStart(314,"summary"),o.\u0275\u0275elementStart(315,"h3"),o.\u0275\u0275text(316,"How do mixed files happen at LexisNexis?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(317,"p"),o.\u0275\u0275text(318,"Mixed files can occur when an insurer provides wrong information, but they also happen when the data is correct. Attorney John Soumilas says that when LexisNexis lacks or doesn\u2019t use enough identifying details \u2014 like a Social Security number, date of birth or middle name \u2014 multiple people\u2019s data can land on one report. Common names and non-Anglicized names that don\u2019t fit matching algorithms increase the risk."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(319,"details"),o.\u0275\u0275elementStart(320,"summary"),o.\u0275\u0275elementStart(321,"h3"),o.\u0275\u0275text(322,"How do I correct an error on my LexisNexis report?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(323,"p"),o.\u0275\u0275text(324,"LexisNexis has a dispute process for inaccurate or incomplete information, and the first step is to request a copy of your personal report. One consumer got her record fixed within a few weeks. But others, like Farah Fard, faced delays \u2014 it took her three attempts over eight months to receive her report, and she waited months for a response after requesting changes."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(325,"details"),o.\u0275\u0275elementStart(326,"summary"),o.\u0275\u0275elementStart(327,"h3"),o.\u0275\u0275text(328,"Is the data broker industry regulated?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(329,"p"),o.\u0275\u0275text(330,"Largely no. The Fair Credit Reporting Act applies to some LexisNexis reports but not all, and there is no comprehensive federal regulation of the data broker industry \u2014 just a few state laws and older federal statutes. Attorney James Francis says many companies operate \u201cin the Wild West.\u201d Proposed laws would expand FCRA protections, but experts doubt they will pass soon."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(331,"div",2),o.\u0275\u0275elementStart(332,"section",59),o.\u0275\u0275elementStart(333,"h2",60),o.\u0275\u0275text(334,"Related Blog Posts"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(335,"div",61),o.\u0275\u0275elementStart(336,"a",62),o.\u0275\u0275elementStart(337,"div",63),o.\u0275\u0275elementStart(338,"span",64),o.\u0275\u0275text(339,"News"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(340,"img",65),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(341,"div",66),o.\u0275\u0275elementStart(342,"h3"),o.\u0275\u0275text(343,"Consumer Rights Under Threat: Mega-Corporations Win"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(344,"span",67),o.\u0275\u0275text(345,"Carolyn Depoto \xb7 Oct 21, 2019 \xb7 4 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(346,"span",68),o.\u0275\u0275text(347,"Read article "),o.\u0275\u0275elementStart(348,"span",69),o.\u0275\u0275text(349,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(350,"a",62),o.\u0275\u0275elementStart(351,"div",63),o.\u0275\u0275elementStart(352,"span",64),o.\u0275\u0275text(353,"News"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(354,"img",70),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(355,"div",66),o.\u0275\u0275elementStart(356,"h3"),o.\u0275\u0275text(357,"Identity Theft: Don't Get Hustled in the Holiday Bustle"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(358,"span",67),o.\u0275\u0275text(359,"Carolyn Depoto \xb7 Dec 13, 2019 \xb7 3 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(360,"span",68),o.\u0275\u0275text(361,"Read article "),o.\u0275\u0275elementStart(362,"span",69),o.\u0275\u0275text(363,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(364,"a",62),o.\u0275\u0275elementStart(365,"div",63),o.\u0275\u0275elementStart(366,"span",64),o.\u0275\u0275text(367,"Financial Security"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(368,"img",71),o.\u
10275\u0275elementEnd(),o.\u0275\u0275elementStart(369,"div",66),o.\u0275\u0275elementStart(370,"h3"),o.\u0275\u0275text(371,"Has Your Newborn's Identity Already Been Stolen?"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(372,"span",67),o.\u0275\u0275text(373,"Michel Mora \xb7 Oct 18, 2019 \xb7 3 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(374,"span",68),o.\u0275\u0275text(375,"Read article "),o.\u0275\u0275elementStart(376,"span",69),o.\u0275\u0275text(377,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(378,"a",62),o.\u0275\u0275elementStart(379,"div",63),o.\u0275\u0275elementStart(380,"span",64),o.\u0275\u0275text(381,"Internet"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(382,"img",72),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(383,"div",66),o.\u0275\u0275elementStart(384,"h3"),o.\u0275\u0275text(385,"3 Ways Frontier Communications Overcharges Customers"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(386,"span",67),o.\u0275\u0275text(387,"Michel Mora \xb7 Jan 16, 2019 \xb7 2 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(388,"span",68),o.\u0275\u0275text(389,"Read article "),o.\u0275\u0275elementStart(390,"span",69),o.\u0275\u0275text(391,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(392,"a",62),o.\u0275\u0275elementStart(393,"div",63),o.\u0275\u0275elementStart(394,"span",64),o.\u0275\u0275text(395,"Savings Tips"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(396,"img",73),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(397,"div",66),o.\u0275\u0275elementStart(398,"h3"),o.\u0275\u0275text(399,"7 Essential Facts About \u201cRisk-Free\u201d Trials & Hidden Costs"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(400,"span",67),o.\u0275\u0275text(401,"Steven McKean \xb7 Jan 14, 2019 \xb7 3 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(402,"span",68),o.\u0275\u0275text(403,"Read article "),o.\u0275\u0275elementStart(404,"span",69),o.\u0275\u0275text(405,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(406,"a",62),o.\u0275\u0275elementStart(407,"div",63),o.\u0275\u0275elementStart(408,"span",64),o.\u0275\u0275text(409,"Financial Security"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(410,"img",74),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(411,"div",66),o.\u0275\u0275elementStart(412,"h3"),o.\u0275\u0275text(413,"It's Tax Scam Season. Here's When to Call Shenanigans"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(414,"span",67),o.\u0275\u0275text(415,"Carolyn Depoto \xb7 Mar 9, 2018 \xb7 4 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(416,"span",68),o.\u0275\u0275text(417,"Read article "),o.\u0275\u0275elementStart(418,"span",69),o.\u0275\u0275text(419,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(420,"a",62),o.\u0275\u0275elementStart(421,"div",63),o.\u0275\u0275elementStart(422,"span",64),o.\u0275\u0275text(423,"Financial Security"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(424,"img",75),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(425,"div",66),o.\u0275\u0275elementStart(426,"h3"),o.\u0275\u0275text(427,"Here's the Best Way To Protect Your Identity"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(428,"span",67),o.\u0275\u0275text(429,"Steven McKean \xb7 Aug 26, 2019 \xb7 4 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(430,"span",68),o.\u0275\u0275text(431,"Read article "),o.\u0275\u0275elementStart(432,"span",69),o.\u0275\u0275text(433,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(434,"a",62),o.\u0275\u0275elementStart(435,"div",63),o.\u0275\u0275elementStart(436,"span",64),o.\u0275\u0275text(437,"Wireless"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(438,"img",76),o.\u
10275\u0275elementEnd(),o.\u0275\u0275elementStart(439,"div",66),o.\u0275\u0275elementStart(440,"h3"),o.\u0275\u0275text(441,"Slow Data: How to Spot and Avoid Wireless Throttling"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(442,"span",67),o.\u0275\u0275text(443,"Steven McKean \xb7 Sep 4, 2019 \xb7 4 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(444,"span",68),o.\u0275\u0275text(445,"Read article "),o.\u0275\u0275elementStart(446,"span",69),o.\u0275\u0275text(447,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(448,"a",62),o.\u0275\u0275elementStart(449,"div",63),o.\u0275\u0275elementStart(450,"span",64),o.\u0275\u0275text(451,"Savings Tips"),o.\u0275\u0275elementEnd(),o.\u0275\u0275element(452,"img",77),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(453,"div",66),o.\u0275\u0275elementStart(454,"h3"),o.\u0275\u0275text(455,"Why Consumers Ignore Energy Star's Air-Conditioning Advice"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(456,"span",67),o.\u0275\u0275text(457,"Steven McKean \xb7 Aug 28, 2019 \xb7 1 min read"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(458,"span",68),o.\u0275\u0275text(459,"Read article "),o.\u0275\u0275elementStart(460,"span",69),o.\u0275\u0275text(461,"\u2192"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(462,"div",78),o.\u0275\u0275elementStart(463,"a",79),o.\u0275\u0275text(464,"See more posts \u203a"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(465,"a",79),o.\u0275\u0275text(466,"See more posts for other categories \u203a"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(467,"section",80),o.\u0275\u0275elementStart(468,"div",2),o.\u0275\u0275elementStart(469,"h2",81),o.\u0275\u0275text(470,"Save on the Bills You Just Read About"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(471,"p"),o.\u0275\u0275text(472,"Billshark negotiates your bills for you \u2014 no savings, no fee."),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementStart(473,"a",82),o.\u0275\u0275text(474,"Estimate My Savings"),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd(),o.\u0275\u0275elementEnd()),2&e&&(o.\u0275\u0275advance(6),o.\u0275\u0275property("routerLink","/blogs/categories/"+t.categorySlug+"/all"),o.\u0275\u0275advance(1),o.\u0275\u0275textInterpolate(t.categoryLabel),o.\u0275\u0275advance(10),o.\u0275\u0275property("routerLink","/author/michel-mora"),o.\u0275\u0275advance(3),o.\u0275\u0275textInterpolate1(" \xb7 ",t.bsDate.transform(t.time,"MMM d, y")," "),o.\u0275\u0275advance(8),o.\u0275\u0275attribute("data-src","https://cdn.billshark.com/www4.0/static/images/blogs/webp/medium/are-you-paying-for-someone-elses-mistakes-this-companys-mix-ups-could-be-scrambling-your-finances.webp")("data-onerror","assets/images/blogs/are-you-paying-for-someone-elses-mistakes-this-companys-mix-ups-could-be-scrambling-your-finances.webp"),o.\u0275\u0275advance(308),o.\u0275\u0275property("routerLink","/blogs/mega-corporations-notch-win-against-consumers"),o.\u0275\u0275advance(4),o.\u0275\u0275attribute("data-onerror","assets/images/blogs/mega-corporations-notch-win-against-consumers.webp"),o.\u0275\u0275advance(10),o.\u0275\u0275property("routerLink","/blogs/identity-theft-dont-get-hustled-in-the-holiday-bustle"),o.\u0275\u0275advance(4),o.\u0275\u0275attribute("data-onerror","assets/images/blogs/identity-theft-dont-get-hustled-in-the-holiday-bustle.webp"),o.\u0275\u0275advance(10),o.\u0275\u0275property("routerLink","/blogs/has-your-newborns-identity-already-been-stolen"),o.\u0275\u0275advance(4),o.\u0275\u0275attribute("data-onerror","assets/images/blogs/has-your-newborns-identity-already-been-stolen.webp"),o.\u0275\u0275advance(10),o.\u0275\u0275property("routerLink","/blogs/3-ways-frontier-communications-is-screwing-its-customers"),o.\u0275\u0275advance(4),o.\u0275\u0275attribute("data-onerror","assets/images/blogs/3-ways-frontier-communications-is-screwing-its-customers.webp"),o.\u0275\u0275advance(10),o.\u
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