Data brokers: Difference between revisions

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===Experian===

Beyond its role as a credit reporting agency, Experian operates as a major data broker, offering marketing services that leverage vast amounts of consumer information. Through its Experian Marketing Services division, the company provides audience segmentation, targeting, and identity resolution products based on consumer data.<ref>{{cite web |url=https://builtin.com/articles/top-data-broker-companies |title=10 Top Data Broker Companies |website=Built In |date=November 12, 2024 |access-date=2025-05-07}}</ref>

Beyond its role as a credit reporting agency, [[Experian]] operates as a major data broker, offering marketing services that leverage vast amounts of consumer information. Through its Experian Marketing Services division, the company provides audience segmentation, targeting, and identity resolution products based on consumer data.<ref>{{cite web |url=https://builtin.com/articles/top-data-broker-companies |title=10 Top Data Broker Companies |website=Built In |date=November 12, 2024 |access-date=2025-05-07}}</ref>

===Oracle Data Cloud===

Oracle Data Cloud (formerly BlueKai) provides data services that help marketers target consumers across digital channels. The platform processes trillions of data points monthly from various online and offline sources to create detailed audience profiles. In 2020, Oracle faced scrutiny after security researchers discovered billions of records from its BlueKai database had been left exposed on an unsecured server.<ref>{{cite web |url=https://themarkup.org/privacy/2021/04/01/the-little-known-data-broker-industry-is-spending-big-bucks-lobbying-congress |title=The Little-Known Data Broker Industry Is Spending Big Bucks Lobbying Congress |website=The Markup |date=April 1, 2021 |access-date=2025-05-07}}</ref>

[[Oracle Data Cloud]] (formerly BlueKai) provides data services that help marketers target consumers across digital channels. The platform processes trillions of data points monthly from various online and offline sources to create detailed audience profiles. In 2020, Oracle faced scrutiny after security researchers discovered billions of records from its BlueKai database had been left exposed on an unsecured server.<ref>{{cite web |url=https://themarkup.org/privacy/2021/04/01/the-little-known-data-broker-industry-is-spending-big-bucks-lobbying-congress |title=The Little-Known Data Broker Industry Is Spending Big Bucks Lobbying Congress |website=The Markup |date=April 1, 2021 |access-date=2025-05-07}}</ref>

===LexisNexis===

[[LexisNexis]] is a data broker with over 75 billion records covering over 95% of the adult US population, according to their website. Their primary market includes various government agencies, banks, insurance, and legal firms.<ref>{{Cite web |title=LexisNexis Risk Solutions |url=https://risk.lexisnexis.com/ |access-date=2025-05-09}}</ref> Since at least 2016 the Washington, DC Office of Tax Revenue has been using LexisNexis to identify taxpayers.<ref>{{Cite web |last=DC Office of Tax and Revenue |date=2016-02-29 |title=LexisNexis Risk Solutions Quiz FAQs |url=https://otr.cfo.dc.gov/release/lexisnexis-risk-solutions-quiz-faqs |url-status=live |access-date=2025-05-09}}</ref> DocuSign partnered with LexisNexis to confirm identity of document signers with what they call “out of wallet” questions, or questions that someone would not be able to answer if they found your wallet laying in the street.<ref>{{Cite web |date= |title=DocuSign Partners |url=https://partners.docusign.com/s/partner-profile/aNQ1W0000004CEFWA2/lexisnexis-risk-solutions |url-status=live |access-date=2025-05-09}}</ref>

On March 13, 2024 a class action lawsuit was filed in the US District Court, Southern District of Florida alleging the defendants ([[General Motors]], [[OnStar|OnStar LLC]], and LexisNexis Risk Solutions Inc.) violated The Fair Credit Reporting Act (15 U.S.C. § 1681), The Florida Deceptive and Unfair Trade Practices Act (FLA. STAT. § 501.201), and Florida Common-law Invasion of Privacy. Court documents allege OnStar was selling vehicle telematics data, collected through the Smart Driver program, to LexisNexis which was in turn sold to insurance providers leading to the plaintiff to be rejected on multiple car insurance applications and then having insurance rates doubled based on the information provided by LexisNexis.<ref>{{Cite web |date=2024-03-13 |title=Class Action Claims General Motors, OnStar Shared Driving Behavior Data Without Consent |url=https://www.classaction.org/media/chicco-v-general-motors-llc-et-al.pdf |access-date=2025-05-09}}</ref> According to a NY Times article, GM has stopped selling vehicle telematics data with LexisNexis and Verisk after the lawsuit was filed. A GM document referenced but not released by the NY Times allegedly showed that as of 2022 more than 8 million vehicles were enrolled in the program, and a company employee told the NY Times the revenue from the Smart Driver program was in the low millions of dollars.<ref>{{Cite news |last=Hill |first=Kashmir |date=2024-03-22 |title=General Motors Quits Sharing Driving Behavior With Data Brokers |url=https://www.nytimes.com/2024/03/22/technology/gm-onstar-driver-data.html |url-status=live |archive-url=https://web.archive.org/web/20250426081230/https://www.nytimes.com/2024/03/22/technology/gm-onstar-driver-data.html |archive-date=2025-04-26 |work=The New York Times}}</ref>

==See also==

@@ Line 34: / Line 34: @@
 ===Experian===
-Beyond its role as a credit reporting agency, Experian operates as a major data broker, offering marketing services that leverage vast amounts of consumer information. Through its Experian Marketing Services division, the company provides audience segmentation, targeting, and identity resolution products based on consumer data.<ref>{{cite web |url=https://builtin.com/articles/top-data-broker-companies |title=10 Top Data Broker Companies |website=Built In |date=November 12, 2024 |access-date=2025-05-07}}</ref>
+Beyond its role as a credit reporting agency, [[Experian]] operates as a major data broker, offering marketing services that leverage vast amounts of consumer information. Through its Experian Marketing Services division, the company provides audience segmentation, targeting, and identity resolution products based on consumer data.<ref>{{cite web |url=https://builtin.com/articles/top-data-broker-companies |title=10 Top Data Broker Companies |website=Built In |date=November 12, 2024 |access-date=2025-05-07}}</ref>
 ===Oracle Data Cloud===
-Oracle Data Cloud (formerly BlueKai) provides data services that help marketers target consumers across digital channels. The platform processes trillions of data points monthly from various online and offline sources to create detailed audience profiles. In 2020, Oracle faced scrutiny after security researchers discovered billions of records from its BlueKai database had been left exposed on an unsecured server.<ref>{{cite web |url=https://themarkup.org/privacy/2021/04/01/the-little-known-data-broker-industry-is-spending-big-bucks-lobbying-congress |title=The Little-Known Data Broker Industry Is Spending Big Bucks Lobbying Congress |website=The Markup |date=April 1, 2021 |access-date=2025-05-07}}</ref>
+[[Oracle Data Cloud]] (formerly BlueKai) provides data services that help marketers target consumers across digital channels. The platform processes trillions of data points monthly from various online and offline sources to create detailed audience profiles. In 2020, Oracle faced scrutiny after security researchers discovered billions of records from its BlueKai database had been left exposed on an unsecured server.<ref>{{cite web |url=https://themarkup.org/privacy/2021/04/01/the-little-known-data-broker-industry-is-spending-big-bucks-lobbying-congress |title=The Little-Known Data Broker Industry Is Spending Big Bucks Lobbying Congress |website=The Markup |date=April 1, 2021 |access-date=2025-05-07}}</ref>
+===LexisNexis===
+[[LexisNexis]] is a data broker with over 75 billion records covering over 95% of the adult US population, according to their website.  Their primary market includes various government agencies, banks, insurance, and legal firms.<ref>{{Cite web |title=LexisNexis Risk Solutions |url=https://risk.lexisnexis.com/ |access-date=2025-05-09}}</ref>  Since at least 2016 the Washington, DC Office of Tax Revenue has been using LexisNexis to identify taxpayers.<ref>{{Cite web |last=DC Office of Tax and Revenue |date=2016-02-29 |title=LexisNexis Risk Solutions Quiz FAQs |url=https://otr.cfo.dc.gov/release/lexisnexis-risk-solutions-quiz-faqs |url-status=live |access-date=2025-05-09}}</ref>  DocuSign partnered with LexisNexis to confirm identity of document signers with what they call “out of wallet” questions, or questions that someone would not be able to answer if they found your wallet laying in the street.<ref>{{Cite web |date= |title=DocuSign Partners |url=https://partners.docusign.com/s/partner-profile/aNQ1W0000004CEFWA2/lexisnexis-risk-solutions |url-status=live |access-date=2025-05-09}}</ref>
+On March 13, 2024 a class action lawsuit was filed in the US District Court, Southern District of Florida alleging the defendants ([[General Motors]], [[OnStar|OnStar LLC]], and LexisNexis Risk Solutions Inc.) violated The Fair Credit Reporting Act (15 U.S.C. § 1681), The Florida Deceptive and Unfair Trade Practices Act (FLA. STAT. § 501.201), and Florida Common-law Invasion of Privacy.  Court documents allege OnStar was selling vehicle telematics data, collected through the Smart Driver program,  to LexisNexis which was in turn sold to insurance providers leading to the plaintiff to be rejected on multiple car insurance applications and then having insurance rates doubled based on the information provided by LexisNexis.<ref>{{Cite web |date=2024-03-13 |title=Class Action Claims General Motors, OnStar Shared Driving Behavior Data Without Consent |url=https://www.classaction.org/media/chicco-v-general-motors-llc-et-al.pdf |access-date=2025-05-09}}</ref> According to a NY Times article, GM has stopped selling vehicle telematics data with LexisNexis and Verisk after the lawsuit was filed.  A GM document referenced but not released by the NY Times allegedly showed that as of 2022 more than 8 million vehicles were enrolled in the program, and a company employee told the NY Times the revenue from the Smart Driver program was in the low millions of dollars.<ref>{{Cite news |last=Hill |first=Kashmir |date=2024-03-22 |title=General Motors Quits Sharing Driving Behavior With Data Brokers |url=https://www.nytimes.com/2024/03/22/technology/gm-onstar-driver-data.html |url-status=live |archive-url=https://web.archive.org/web/20250426081230/https://www.nytimes.com/2024/03/22/technology/gm-onstar-driver-data.html |archive-date=2025-04-26 |work=The New York Times}}</ref>
 ==See also==