News

January 26, 2014

Consumer Reporting Data

Consumer Reporting Agencies

Below is a list of consumer reporting companies – companies that collect information and provide reports on consumers that are used to decide whether to provide consumers credit, insurance, or employment, and for other purposes. This list doesn't cover every company in the industry. It's a list of companies that have identified themselves as consumer reporting companies or provide consumers access to their consumer reports. The list includes both the biggest nationwide credit reporting companies and a longer list of "specialty reporting companies." Presence on or absence from the list does not indicate whether the consumer reporting company is subject to the CFPB's supervisory or enforcement authority.

Specialty reporting companies focus on certain industries. There are a lot of these companies on the list. So we're also trying to give tips on which of them may be important to you. The list also includes information about how you can obtain copies of your reports. In addition to the information below about when you can get a free copy of your report, under federal law all consumer reporting companies must provide you with a copy of your report for a reasonable fee (the current maximum is $11.50).

This list includes entities that have identified themselves as consumer reporting companies or particular types of consumer reporting companies or have indicated when they provide consumers access to their consumer reports.1 The list incorporates information from the companies' own self-descriptions that has not been independently verified by the Bureau. It is not intended by the Bureau to be an all-inclusive list, nor does it reflect any determinations by the Bureau as to whether any particular entity is or is not subject to the Fair Credit Reporting Act or any part thereof or complying with it. Furthermore, presence on or absence from the list does not indicate whether the consumer reporting company is subject to the CFPB's supervisory authority.

To make corrections or additions to the list, contact the CFPB at info@consumerfinance.gov and include "Attn: Heidi Johnson" in the subject line.

To see a particular specialty, click on its name below or scroll to the page listed.

National Credit Reporting Companies 3

Check Screening/Check History 4

Payday Lending 6

Auto and Property Insurance History Reports 8

Supplementary/Alternative Credit Reports 9

Utilities 11

Rental 12

Medical 13

Employment History Reports 14

NATIONAL CREDIT REPORTING COMPANIES

Equifax

Equifax is one of the largest nationwide providers of credit reports. Its reports contain:

• Information about your payment history (submitted by credit card companies, mortgage lenders, auto financiers and other creditors nationwide).

• How much credit you have.

• How much credit you use.

• Information from debt collectors.

• Public information, like bankruptcies, liens and judgments.

The company will provide one free credit report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

AnnualCreditReport.com

Address

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281

Phone

877-322-8228

Experian

Experian is one of the largest nationwide providers of credit reports. Its reports contain:

• Information about your payment history (submitted by credit card companies, mortgage lenders, auto financiers and other creditors nationwide).

• How much credit you have.

• How much credit you use.

• Information from debt collectors.

• Public information, like bankruptcies, liens and judgments.

The company will provide one free credit report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

AnnualCreditReport.com

Address

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281

Phone

877-322-8228

4

TransUnion

TransUnion is one of the largest nationwide providers of credit reports. Its reports contain:

• Information about your payment history (submitted by credit card companies, mortgage lenders, auto financiers and other creditors nationwide).

• How much credit you have.

• How much credit you use.

• Information from debt collectors.

• Public information, like bankruptcies, liens and judgments.

The company will provide one free credit report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances

Website

AnnualCreditReport.com

Address

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281

Phone

877-322-8228

CHECK SCREENING/CHECK HISTORY

Certegy Check Services

Collects check writing histories and provides check screening services for retailers who accept checks as payment in their stores.

The company will provide one free report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

AskCertegy.com

Address

Certegy Check Services Inc.

P.O. Box 30296

Tampa, FL 33630-3296

Phone

866-543-6315

5

Chex Systems

Collects checking account applications, openings, and closures, including reasons for account closure. When you apply for a new checking account many banks and credit unions will refer to this database before they approve the new account.

The company will provide one free report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

ConsumerDebit.com

Address

Chex Systems Inc.

Attn: Consumer Relations

7805 Hudson Road, Suite 100

Woodbury, MA 55125

Phone

800-428-9623

Early Warning Services

Checking account information.

Negative information for financial institution employees.

The company will provide one free report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

EarlyWarning.com

Address

Early Warning Services

16552 North 90th Street, Suite 100

Scottsdale, AZ 85260

Phone

800-325-7775

Telecheck

Provides information on check fraud and conducts check verifications for retailers who accept checks as payment in their stores.

The company will provide one free report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

FirstData.com/telecheck

Address

Telecheck

Attention: Consumer Resolutions-FA

P.O Box 4514

Houston, TX 77210-4514

Phone

800-366-2425

PAYDAY LENDING

Clarity Services

Provides information on payday loans, financial services, check cashing services, and auto loans.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

ClarityServices.com

(Request form)

Address

Clarity Services

P.O. Box 5717

Clearwater, FL 33758

DataX

Provides information on credit histories of sub prime consumers.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

consumers.dataxltd.com

Address

Data X Ltd.

Attn: Customer Service

325 E. Warm Springs Road, Suite 202

Las Vegas, NV 89119

Factor Trust

Provides lending data and bankruptcy information to payday lenders and other users.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

FactorTrust.com

Address

Factor Trust

P.O. Box 3653

Alpharetta, GA 30023

Phone

866-910-8497

Microbilt

Tracks information about payday loans.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

Microbilt.com

Address

Microbilt

Attn: Compliance Department

P.O. Box 440693

Kennesaw, GA 30160

Phone

877-772-2123

(Option 1)

Teletrack

Teletrack information sources include payday advance businesses, rent-to-own businesses, furniture stores that offer financing, auto finance companies, high-risk consumer finance businesses, non-prime mortgage businesses, non-prime credit card issuers, credit unions, and cable/telecom companies. These types of lenders will often refer to this database to when considering whether to extend new credit.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

Teletrack.com

Address

Teletrack

Attn: Customer Service

5550-A Peachtree Parkway, Suite 600 Norcross, GA 30092

Phone

877-309-5226

8

AUTO AND PROPERTY INSURANCE HISTORY REPORTS

Insurance Information Exchange

Provides motor vehicle records, including traffic violations, upon request with a permissible purpose.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

IIX.com

Address

iiX

1716 Briarcrest Drive, Suite 200

Bryan, TX 77802

Phone

866-560-7015

Insurance Services Office (ISO) (A Plus Property Reports)

Collects insurance claims and loss information associated with homes or commercial buildings.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

ISO.com

Address

A-PLUS Consumer Inquiry Center (ISO)

545 Washington Boulevard, 22nd Floor

Jersey City, NJ 07310-1686

Phone

800-709-8842

L.N. (Clue Personal Property Report)

Collects information on insurance coverage and losses associated with individuals and their personal property.

The company will provide get one free report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

PersonalReports.lexisnexis.com

Address

C.L.U.E. Inc. Consumer Center

P.O. Box 105295

Atlanta, GA 30348-5295

Phone

866-312-8076

9

L.N. (Clue Auto Report)

The C.L.U.E. Auto report provides information about individuals' automobile insurance coverage and losses.

The company will provide one free report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

PersonalReports.lexisnexis.com

Address

C.L.U.E. Inc. Consumer Center

P.O. Box 105295

Atlanta, GA 30348-5295

Phone

866-312-8076

SUPPLEMENTARY/ALTERNATIVE CREDIT REPORTS

CoreScore Credit Report

Collects property tax filings, rental applications and evictions, property ownership and mortgage obligation records, pay day loan and online lending information; bankruptcy, lien, child support obligations.

The company will provide one free report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

Credco.com

Address

CoreLogic Credco LLC, Consumer Relations Dept.

P.O. Box 509124

San Diego, CA 92150

Phone

877-532-8778

10

ID Analytics

Provides reports on identity information (name, address, phone, etc.) used in credit activity.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

IDAnalytics.com

Address

IDA Inc.,

Attn: Information Request Services

P.O. Box 503793

San Diego, CA 92150-2833

Innovis

Provides supplementary credit reports to lenders.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

Innovis.com

Address

Innovis

Attn: Consumer Assistance

P.O. Box 1689

Pittsburgh, PA 15230-1689

Phone

800-540-2505

L2C

Provides credit reports comprised of data from a variety of purchased and publicly available sources.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

L2CInc.com

Address

L2C, Inc.

P.O. Box 550089

Atlanta, GA 30355

Phone

866-268-7156

11

Pay Rent Build Credit (PRBC)/Microbilt

Provides credit information, bill payment information, employment information, bank account data, property records, court judgments, address and phone information for use in credit decisions.

The company will provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

Microbilt.com

Address

Pay Rent Build Credit (PRBC)/Microbilt

Attn: Compliance Department

P.O. Box 440693

Kennesaw, GA 30160

Phone

877-772-2123

(Option 1)

UTILITIES

National Consumer Telecom and Utilities Exchange

Collects information on new connect requests, account and payment histories, defaults, and fraudulent accounts associated with telecommunications, pay TV, and utility (electric, gas, water) services.

The company will provide one free report every 12 months.

The company will also provide a free report if an adverse action is taken against you based on information in your report or under other specific circumstances.

Website

NCTUE.com

Address

Exchange Service Center Disclosure

P.O. Box 105161

Atlanta, GA 30348

Phone

866-343-2821

12


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