List of 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. The list includes both the biggest nationwide credit reporting companies and a longer list of “specialty reporting companies.”

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 some information about how you can obtain copies of your reports.

Consumer reporting companies are required to give you a free copy of your consumer report if an adverse action is taken against you based on information in your report from that company, and under other specific circumstances. In addition, under the Fair Credit Reporting Act, some consumer reporting companies must provide you with a free copy of your report every 12 months. All consumer reporting companies must provide you with a copy of your report for a reasonable fee (the current maximum is $11.50). Keep in mind that not every consumer reporting company will have information on every consumer.

If, upon review of your consumer report, you believe there is data in it that is inaccurate or incomplete, you have the right under the Fair Credit Reporting Act to dispute your report’s content with the consumer reporting company and the company that furnished the data.

You may also wish to dispute other issues such as if you are dissatisfied with a company’s investigation of an earlier dispute, if you believe your consumer report was used incorrectly, if you have problems accessing your consumer report, or if you are dissatisfied with consumer reporting services such as credit monitoring and identity protection.

To learn more about disputing a reporting error directly to a consumer reporting agency, visit http://www.consumerfinance.gov/askcfpb/314/how-do-i-dispute-an-error-on-my- credit-report.html. You can also submit a complaint to us. To do so, visit https://help.consumerfinance.gov/app/creditreporting/ask. We’ll forward it to the company for its response. To see if a company listed below appears in our consumer complaint database visit http://www.consumerfinance.gov/complaintdatabase/.

1 This information is as of January 2014. This list includes entities that have identified themselves as consumer reporting companies, or have indicated when they provide consumers access to their consumer reports. The list incorporates information from the companies’ own self-descriptions that has not been independently verified by the CFPB. This list doesn’t cover every company in the industry. It is not intended by the CFPB to be all-inclusive. Nor does it reflect any determinations by the CFPB as to whether any particular entity is subject to the Fair Credit Reporting Act or any part thereof. Furthermore, 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. To make corrections or additions to the list, contact the CFPB at info@consumerfinance.gov and include

“Attn: Jonah Kaplan” in the subject line.

NATIONAL CREDIT REPORTING COMPANIES (RETURN TO CONTENTS)

Equifax, Experian and TransUnion

Equifax, Experian and TransUnion are the three largest nationwide providers of consumer credit reports. Their reports contain:

Information about your payment history (submitted by credit card companies, mortgage lenders, auto financers 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.

Each of these companies will provide one free credit report every 12 months.

Website

Address

Phone

AnnualCreditReport.com

Annual Credit Report Request Service

877-322-8228

 

P.O. Box 105281

 

 

Atlanta, GA 30348-5281

 

CHECK SCREENING/CHECK HISTORY (RETURN TO CONTENTS)

Certegy Check Services

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

The company will provide one free report every 12 months.

Certegy is affiliated with Fidelity National Information Services, Inc. (FNIS).

Website

Address

Phone

AskCertegy.com

Certegy Check Services Inc.

866-543-6315

 

P.O. Box 30296

 

 

Tampa, FL 33630-3296

 

ChexSystems

Provides account verification services to its members, which consist primarily of financial institutions. Collects data on 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.

ChexSystems is affiliated with Fidelity National Information Services, Inc. (FNIS).

Website

Address

Phone

ConsumerDebit.com

ChexSystems, Inc.

800-428-9623

 

Attn: Consumer Relations

 

 

7805 Hudson Road, Suite 100

 

 

Woodbury, MA 55125

 

Early Warning Services

Assists financial institutions and other financial entities in detecting and preventing fraud associated with bank accounts and payment transactions. Also collects data on checking account applications, openings, and closures and may be checked by banks and credit unions before they approve a new account.

The company will provide one free report every 12 months.

Website

Address

Phone

EarlyWarning.com

Early Warning Services

800-325-7775

 

16552 North 90th Street, Suite 100

 

 

Scottsdale, AZ 85260

 

TeleCheck

Collects check writing history. 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.

TeleCheck is a wholly owned subsidiary of First Data Corporation.

Website

Address

Phone

FirstData.com/telecheck

Telecheck

800-366-2425

 

Attention: Consumer Resolutions-FA

 

 

P.O Box 4514

 

 

Houston, TX 77210-4514

 

PAYDAY LENDING (RETURN TO CONTENTS)

Clarity Services

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

Website

Address

Phone

ClarityServices.com

Clarity Services

866-390-3118

(Request form)

P.O. Box 5717

 

Clearwater, FL 33758

 

 

 

DataX

Provides information on credit histories of subprime consumers.

Website

Address

Phone

consumers.dataxltd.com

Data X Ltd.

800-295-4790

 

Attn: Customer Service

 

 

325 E. Warm Springs Road, Suite 202

 

 

Las Vegas, NV 89119

 

FactorTrust

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

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

Website

Address

Phone

FactorTrust.com

FactorTrust

866-910-8497

 

P.O. Box 3653

 

 

Alpharetta, GA 30023

 

MicroBilt

Tracks consumer information about payday loans. Provides information to payday lenders and other lenders.

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

Website

Address

Phone

Microbilt.com

Microbilt

1-800-884-4747

 

Attn: Compliance Department

(Option 5)

 

P.O. Box 440693

 

 

Kennesaw, GA 30160

 

Teletrack

Collects consumer information about, and provides data to, payday lenders, 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.

Teletrack is affiliated with CoreLogic.

Website

Address

Phone

Teletrack.com

CoreLogic Teletrack

877-309-5226

 

P.O. Box 509124

 

(Request Form)

San Diego, CA 92150

 

 

Attention: Consumer Disputes

 

 

Department

 

AUTO AND PROPERTY INSURANCE HISTORY REPORTS (RETURN

TO CONTENTS)

Insurance Information Exchange

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

Website

Address

Phone

IIX.com

iiX

866-560-7015

 

1716 Briarcrest Drive, Suite 200

 

 

Bryan, TX 77802

 

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

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

Website

Address

Phone

ISO.com

A-PLUS Consumer Inquiry Center

800-709-8842

 

(ISO)

 

 

545 Washington Boulevard, FL 22

 

 

Jersey City, NJ 07310-1686

 

C.L.U.E. Inc. (C.L.U.E. Personal Property Report)

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

The company will provide one free report every 12 months.

C.L.U.E Inc. is affiliated with LexisNexis Risk Solutions Bureau LLC.

Website

Address

Phone

PersonalReports.lexisnexis.com

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

866-312-8076

 

P.O. Box 105295

 

 

Atlanta, GA 30348-5295

 

C.L.U.E. Inc. (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.

C.L.U.E Inc. is affiliated with LexisNexis Risk Solutions Bureau LLC.

Website

Address

Phone

PersonalReports.lexisnexis.com

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

866-312-8076

 

P.O. Box 105295

 

 

Atlanta, GA 30348-5295

 

SUPPLEMENTARY/ALTERNATIVE CREDIT REPORTS (RETURN TO

CONTENTS)

CreditIQ Credit Report by CoreLogic Credco

Collects property ownership and mortgage obligation records; property legal filings and tax payment status; rental applications and collection accounts; and consumer bankruptcies, liens, judgments, and child support obligations.

The company will provide one free report every 12 months.

Website

Address

Phone

Credco.com

CoreLogic Credco

(800) 637-2422

 

P.O. Box 509124

(Credit Report

 

San Diego, CA 92150

inquiries)

 

 

(877) 532-8778

 

 

(CoreLogic

 

 

Credco

 

 

Consumer File

 

 

inquiries)

IDA, Inc.

Provides supplementary credit reports to lenders and other service providers.

Website

Address

Phone

IDA Request Form

IDA, Inc.

(866) 361-7984

 

Attn: Information Request Services

 

 

P.O. Box 503793

 

 

San Diego, CA 92150

 

Innovis

Provides supplementary credit reports to lenders.

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

Website

Address

Phone

Innovis.com

Innovis

800-540-2505

 

Attn: Consumer Assistance

 

 

P.O. Box 1689

 

 

Pittsburgh, PA 15230-1689

 

L2C

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

Website

Address

Phone

L2CInc.com

L2C, Inc.

866-268-7156

 

P.O. Box 550089

 

 

Atlanta, GA 30355

 

LexisNexis Risk Solutions Bureau LLC

Provides an alternative data solution that delivers behavioral consumer insight through the use of information from public records and multiple proprietary data sources.

Website

Address

Phone

personalreports.lexisnexis.com

LexisNexis Risk Solutions Bureau

866-312-8076

 

RiskView Consumer Inquiry

 

 

Department P.O. Box 105108

 

 

Atlanta, GA 30348-5108

 

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.

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

Website

Address

Phone

Microbilt.com

Pay Rent Build Credit

1-800-884-4747

 

(PRBC)/MicroBilt

(Option 5)

 

Attn: Compliance Department

 

 

P.O. Box 440693

 

 

Kennesaw, GA 30160

 

UTILITIES (RETURN TO CONTENTS)

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.

Website

Address

Phone

NCTUE.com

Exchange Service Center Disclosure

866-343-2821

 

P.O. Box 105161

 

 

Atlanta, GA 30348

 

GAMING (RETURN TO CONTENTS)

Certegy Gaming Services

Provides gaming establishments with real time data and analytics to help its clients make decisions on extending marker credit.

The company will provide one free report every 12 months.

Certegy is affiliated with Fidelity National Information Services, Inc. (FNIS).

Website

Address

Phone

AskCertegy.com

Certegy Gaming Services, Inc.

866-543-6315

 

Attn: Gaming Bureau

 

 

P.O. Box 30296

 

 

Tampa, FL 33630-3296

 

RENTAL (RETURN TO CONTENTS)

Contemporary Information Corp.

Conducts background screening services.

Website

Address

Phone

CICreports.com

Contemporary Information Corp.

800-288-4757

 

42913 Capital Drive, Unit 101

(Option 5)

 

Lancaster, CA 93535

 

CoreLogic SafeRent

Collects information for tenant and employment screening, including landlord-tenant actions and court judgments.

The company will provide one free report every 12 months.

Website

Address

Phone

residentscreening.com

CoreLogic SafeRent Consumer

888-333-2413

(Request form)

Relations

 

P.O. Box 509124

 

 

 

 

San Diego, CA 92150

 

First Advantage Resident History Report

Conducts background screening services.

The company will provide one free report every 12 months.

Website

Address

Phone

FADV.com

First Advantage Consumer Center

800-845-6004

 

P.O. Box 105292

 

 

Atlanta, GA 30348

 

Leasing Desk (Real Page)

Provides data for tenant screening.

The company will provide one free report every 12 months.

Website

Address

Phone

RealPage.com

Leasing Desk Consumer Relations

866-934-1124

 

4000 International Parkway

 

 

Carrollton, TX 75007

 

Tenant Data Services

Rental performance history (damages, unauthorized pets, lease violations, skips, etc.).

Website

Address

Phone

TenantData.com

Personal Report Request

800-228-1837

 

Tenant Data Services, Inc.

(Option 6)

 

P.O. Box 5404

 

 

Lincoln, NE 68505-0404

 

MEDICAL (RETURN TO CONTENTS)

MIB, Inc.

Collects information about medical conditions and hazardous avocations from insurance applications with the consumer’s authorization. You will not have an MIB consumer report unless you applied for individually underwritten life or health insurance at a MIB member insurance company within the past seven years.

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

Website

Address

Phone

MIB.com

MIB, Inc.

866-692-6901

 

50 Braintree Hill Park, Suite 400

 

 

Braintree, MA 02184

 

Milliman IntelliScript

Collects information on prescription drug purchase histories. You may have a prescription report about you if you authorized the release of your medical records to an insurance company and that company submitted a request to Milliman.

Website

Address

Phone

RxHistories.com

Milliman IntelliScript

877-211-4816

 

15800 Bluemound Road, Suite 100

 

 

Brookfield, WI 53005

 

EMPLOYMENT HISTORY REPORTS (RETURN TO CONTENTS)

Note that many employment reporting companies won’t have information on you unless you authorized your employer or a potential new employer to obtain a report.

Accurate Background

Conducts background screening services.

Website

Address

Phone

AccurateBackground.com

Accurate Background, Inc.

800-784-3911

 

6 Orchard, Suite 200

 

 

Lake Forest, CA 92630

 

American DataBank

Conducts background screening services.

Website

Address

Phone

Americandatabank.com

American DataBank

800-200-0853

 

110 Sixteenth Street, 8th Floor

 

 

Denver, CO 80202

 

EmployeeScreenIQ

Provides pre-employment screening services.

Website

Address

Phone

EmployeeScreen.com

EmployeeScreenIQ

800-235-3954

 

P.O. Box 22627

(Option 5)

 

Cleveland, OH 44122

 

First Advantage

Conducts background screening services.

The company will provide one free report every 12 months.

Website

Address

Phone

FADV.com

First Advantage Consumer Center

800-845-6004

 

P.O. Box 105292

 

 

Atlanta, GA 30348

 

GIS

Conducts background screening services.

Website

Address

Phone

GenInfo.com

GIS

800-265-4917

 

P.O. Box 353

 

 

Chapin, SC 29036

 

HireRight

Conducts employment background screening services.

The company will provide one free report every 12 months.

Website

Address

Phone

HireRight.com

HireRight

800-381-0645

 

P.O. Box 33181

 

 

Tulsa, OK 74153

 

Infocubic

Provides pre-employment screening services.

Website

Address

Phone

Infocubic.com

Infocubic

877-360-4636

(Request report form)

9250 E. Costilla Ave., Suite 525

 

Greenwood Village, CO 80112

 

 

 

Intellicorp

Provides employment histories and criminal histories.

Website

Address

Phone

Intellicorp.net

Intellicorp Records Inc.

866-202-1436

(Request report form)

3000 Auburn Drive, Suite 410

 

Beachwood, OH 44122

 

 

 

Pre-employ.com

Provides employment background, investigative, consumer reports.

Website

Address

Phone

Pre-employ.com

Pre-employ.com

800-300-1821

(Request report form)

Attn: Compliance Department

(extension 199)

P.O. Box 491570

 

 

 

 

Redding, CA 96049-1570

 

Professional Screening & Information, Inc.

Provides pre-employment screening services.

Website

Address

Phone

psibackgroundcheck.com

PSI, Inc.

877-235-7574

(Request report form)

P.O. Box 644

 

Rome, GA 30162

 

 

 

Sterling Infosystems, Inc.

Conducts employment background screening services.

The company will provide one free report every 12 months.

Address

Phone

Sterling Infosystems, Inc.

877-424-2457

ATTN: Consumer Reports

 

6111 Oak Tree Blvd.

 

Independence, OH 44131

 

Trak-1 Technology

Conducts background screening services.

Website

Address

Phone

Trak-1.com

Trak-1 Technology

918-779-7000

 

Consumer Report Request

 

 

7131 Riverside Parkway

 

 

Tulsa, Oklahoma 74136

 

 

Trak-1 Technology

 

 

Consumer Disputes

 

 

7131 Riverside Parkway

 

 

Tulsa, Oklahoma 74136

 

Verifications Inc.

Conducts background screening services.

The company will provide one free report every 12 months.

Website

Address

Phone

VerificationsInc.com

Attention: Applicant Services,

877-884-1313

 

1425 Mickelson Drive

 

 

Watertown, SD 57201

 

The Work Number

Provides employment and income verification. Includes data collected from large private sector payroll processors.

The company will provide one free report every 12 months.

Equifax Workforce Solutions, also known as TALX Corporation, operates The Work Number. TALX is a wholly owned subsidiary of Equifax.

Website

Address

Phone

TheWorkNumber.com

Annual Credit Report

866-604-6570

(Request form)

P.O. Box 105281

 

Atlanta, GA 30348-5281