Who Is ID Analytics? Why Are They Calling Me?
No ingested complaint data yet for ID Analytics.
Contact ID Analytics
- Official website
- https://consumer.risk.lexisnexis.com/
As of 2026-08-03 — verify before mailing anything important, since collectors do change addresses.
ID Analytics is a specialty consumer reporting agency, now operated under LexisNexis Risk Solutions, that provides identity-risk and fraud scores to lenders — it helps a lender decide whether an application looks like it might be identity theft or synthetic fraud, rather than reporting your payment history the way a traditional credit bureau does.
Why would ID Analytics be involved in my loan application?
Lenders use ID Analytics’ scoring during the application process itself, before an account is ever opened — checking whether the identity information you provided matches known fraud patterns or has been used inconsistently elsewhere. If an application was denied or flagged for extra verification, ID Analytics’ risk score is a common reason, separate from your actual credit history at Equifax, Experian, or TransUnion.
Is ID Analytics the same as a debt collector?
No. It doesn’t originate loans, buy debt, or attempt to collect a balance — it scores identity and fraud risk for lenders at the application stage. If you’re getting collection calls about an account, that’s a different company entirely.
How do I see or dispute my ID Analytics file?
- Request your file through the LexisNexis Risk Solutions Consumer Center, which now handles ID Analytics consumer requests.
- Identify the specific inaccuracy — for example, an identity mismatch or fraud flag tied to an application you believe was legitimate.
- The company must investigate, generally within 30 days, per 15 U.S.C. § 1681i.
- An unverifiable item must be corrected or removed.
See Credit Report Dispute for how the underlying FCRA dispute process works, and the CFPB’s list of specialty consumer reporting companies for the fuller landscape of reporting agencies beyond the big three.
Questions & Answers
Is ID Analytics a legitimate debt collector?
ID Analytics shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop ID Analytics from calling me?
Under the FDCPA, you can send ID Analytics a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with ID Analytics?
Send a written debt validation request to ID Analytics's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is ID Analytics on my credit report?
If ID Analytics is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- CFPB — List of consumer reporting companies— consumerfinance.gov
- 15 U.S.C. § 1681i — Procedure in case of disputed accuracy— law.cornell.edu
- LexisNexis Risk Solutions — Consumer Center— consumer.risk.lexisnexis.com