CONS UMER FINANCI AL P ROTECTION BUREAU | 2020

List of Consumer
Reporting Companies
 Table of Contents
Table of Contents .............................................................................................................2

Introduction .......................................................................................................................3
Who can see your consumer reports? ......................................................................... 3
You can get rejected without warning .......................................................................4
How to request a report?............................................................................................4
You can get your report from most of the companies in this list for free........................ 5
Know when to check a report .................................................................................... 6
You have the right to dispute the information in your reports ...................................... 6
We’re here if you have complaints about your consumer reports.................................. 7

Nationwide consumer reporting companies ................................................................ 8

Employment screening..................................................................................................10

Tenant screening ............................................................................................................16

Check and bank screening ...........................................................................................20

Personal property insurance ........................................................................................24

Medical .............................................................................................................................27

Low-income and subprime ...........................................................................................28

Supplementary reports ..................................................................................................31

Utilities .............................................................................................................................33

Retail.................................................................................................................................34

Gaming .............................................................................................................................35

2 LIST OF CONSUMER REPORTING COMPANIES

Introduction
Below is a list of consumer reporting companies updated for 2020.1 Consumer reporting
companies collect information and provide reports to other companies about you. These
companies use these reports to inform decisions about providing you with credit, employment,
residential rental housing, insurance, and in other decision-making situations. The list below
includes the three nationwide consumer reporting companies and several other reporting
companies that focus on certain market areas and consumer segments. The list gives you tips so
you can determine which of these companies may be important to you. It also makes it easier for
you to take advantage of your legal rights to (1) obtain the information in your consumer reports,
and (2) dispute suspected inaccuracies in your reports with companies as needed.

Who can see your consumer reports?

Consumer reporting companies must follow legal restrictions but generally can provide consumer
reports and risk scores to an array of businesses, including:

 Lenders (including those that offer credit cards, home, payday, personal, title, auto
including auto leasing, student loans, and security deposit financing and lease guarantees
on home rentals)

 Employers, volunteer organizations, and government agencies to determine eligibility for

government assistance (employment screening)

 Landlords and residential real estate management companies (tenant screening)

 Banks, credit unions, payment processors and retail stores that accept personal checks
(check screening)

1 T his list is current as of January 2020. It includes entities t hat have identified themselves as consumer reporting
com panies or have indicated they provide consumers a ccess to t heir personal consumer reports when requested. T he
list incorporates information from the com panies’ own self-descriptions that has not been independently verified by
t h e Bureau. This list does not cover ev ery com pany in t he industry. It is n ot intended to be all-inclusive. Nor does it
r eflect determinations a s t o whether any particular entity is subject t o the Fair Credit Reporting Act. Furthermore,
pr esence on, or absence from , this list does not indicate whether the consumer r eporting com pany is subject t o the
Bu r eau’s supervisory or enforcement authority. To prov ide your suggested corrections or additions t o the list, contact
t h e Bureau at CFPB_CCPD2@cfpb.gov and include “ Consumer Reporting Com pany List” in t he subject line.

3 LIST OF CONSUMER REPORTING COMPANIES

  Companies that market and sell products and services specifically to lower-income
consumers and subprime credit applicants, such as short-term lending and rent-to-own
businesses among others

 Debt buyers and collectors

 Insurance companies (health, life, property insurance screening)

 Communications and utility companies (e.g., mobile phone, pay TV, electric, gas, water)

 Retail stores for product return fraud and abuse screening as well as retail stores that offer
financing such as appliance and rent-to-own businesses, among others

 Gaming casinos that extend credit to consumers and/or accept personal checks

You can get rejected without warning

With the exception of employment screening, users of consumer reports generally do not warn
you in advance if they are about to take an adverse action against you based in whole or in part on
your consumer report. Outside of employment screening, adverse action notifications are
provided after the fact, say, when maybe it’s too late and you have already been rejected for a
loan, residential rental property or auto lease. The accuracy and completeness of your consumer
reporting data, therefore, is extremely important.

The good news is you have a meaningful role to play to help ensure your data is accurate and
complete. The first step is to request your consumer reports from the consumer reporting
companies you think might be important to you. The second step is to review your reports closely.
The third step is to dispute suspected inaccuracies as needed. This Introduction describes these
steps in detail, and also provides helpful information about how you can take greater control over
your consumer reporting data.

How to request a report?

Under the federal Fair Credit Reporting Act (FCRA), all consumer reporting companies are
required to provide you a copy of the information in your report if you request it. Many must do
so every twelve months for free upon your request. Additionally, they must give you a free copy of
your information if you request it after an adverse action is taken against you based on
information in your report from that company and under other specific circumstances. All
consumer reporting companies must provide you with a copy of your information for a
reasonable fee (for calendar year 2020, the maximum allowable fee is $12.50). Requesting copies
of your own consumer reports does not hurt your credit scores. For companies required to

4 LIST OF CONSUMER REPORTING COMPANIES

provide the information in your report for free annually upon request, they must do so within
fifteen days of receiving your request.

Not every consumer reporting company will have information on every consumer. A reporting
company that specializes in insurance claim data, for example, will likely not have information
about you if you have never filed an insurance claim. Also, some consumers with limited and/or
out-of-date credit histories (sometimes known as “credit invisibles”) may not have enough
information for credit reporting companies to have reports about them. You may be one of those
consumers, although if you are making purchases using credit, or if you have credit that is
delinquent and is being reported on your credit reports by a debt collector, it’s unlikely.

You can get your report from most of the companies in this list for
free
Most consumer reporting companies – especially the bigger nationwide companies – will provide
your information to you for free. We tell you which do. A few companies in the list will also
provide you with a free risk score if you request it. We tell you which of those do as well.
Finally, your financial service providers might also provide you with free access to risk scores.
Frequently these are the same scores they use to manage their credit relationships with you.
Upon review of this list and the helpful web links in it, you might decide that exercising your free
legal rights and taking advantage of free services are sufficient for your needs. Think carefully
about paid credit monitoring. There are so many different kinds of scores available in today’s
marketplace, the credit scores and reports you buy or obtain from a third party website might
not be the ones lenders use to make decisions about you.

To order your report from a company listed below, click on the company link we provide. Some
companies have separate forms for requests by postal mail. We provide links to those forms for
you.

5 LIST OF CONSUMER REPORTING COMPANIES

Know when to check a report
It’s important to fact-check your consumer credit reports from the three nationwide consumer
reporting companies (Equifax, TransUnion, Experian) every twelve months to ensure they are
accurate and complete, especially if you intend to purchase a home or car with credit, or otherwise
intend to apply for credit in the future. By virtue of a 2019 legal settlement, you can now also get
six additional free Equifax credit reports per year, as we describe below. Roughly 90% of
consumers with credit files aren’t taking advantage of the free benefit to request their credit
reports.2 There isn’t just “one” credit risk score, so it’s important to focus on the reporting
information itself from which risk scores are derived. If you are applying for a job, to rent a home,
or insurance policy, also fact-check your background screening reports to ensure there are no
errors. We give you detailed tips on when best to check those reports in the sections below as
appropriate.

Data breaches are an unfortunate reality. If you have been, or fear you may become, a victim of
identity theft, fact-check your reports and consider blocking third-party access to your consumer
reporting data through a security “freeze.” Below we tell you which company websites offer
additional information for you about your options to block third-party access to your consumer
reporting data for certain purposes.

Finally, be aware of your options to take greater control of your consumer reporting data,
including also, if you want, to opt-out from credit and insurance direct marketing you might not
want to receive. There are also steps you can take to help keep your personal information secure.
These steps may include enrolling in identity theft protection services. However, it’s important to
understand the limits of identity theft protection services, and to consider the free alternatives
described herein, and by clicking-on the hyperlinks we provide. As the FTC says, “no service can
protect you from having your personal information stolen.”

You have the right to dispute the information in your reports

If you find information in your consumer report that you believe is inaccurate or incomplete, you
have the legal right to dispute the report’s content with the consumer reporting company and the
company that shared the information to the reporting company, such as your lender. Under the
FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute. The
company that has provided the incorrect information must correct the error and notify all of the
consumer reporting companies to whom it provided the inaccurate information.

2 See Con sumer Fin. Prot. Bu reau, Consumer Voices on Credit Reports and Scores, at 7 (Feb. 2015), available at
h t tps://www.consumerfinance.gov /data-research/research-reports/consumer-v oices-on-credit-reports-and-scores.
6 LIST OF CONSUMER REPORTING COMPANIES
Of course, if your information is current and accurate, even if negative, you will not be able to
remove it. Some may claim that they can remove negative information, or even “sweep clean”
your entire credit history, but if the information in your report is accurate and current –
beware! – it’s probably a credit repair scam.

You can learn more about disputing a reporting error on our website, and what to do if you see the
same error in more than one report. You can also submit a complaint to us. We will forward your
complaint to the company and work to get you a response.

We’re here if you have complaints about your consumer reports

We handle consumer reporting complaints about report accuracy and completeness errors, and
other consumer reporting topics, such as, if you are dissatisfied with a company’s investigation of
an earlier dispute, if you believe your consumer report was used improperly, if you have problems
getting access to your own consumer reports, or if you are dissatisfied with consumer reporting
products and services provided to you, such as credit monitoring and identity protection services
including security freeze, fraud alert and active duty alert requests. We also handle complaints
about credit repair services. We help consumers connect with financial companies to understand
issues, fix errors, and get direct responses about problems.

7 LIST OF CONSUMER REPORTING COMPANIES

Nationwide consumer reporting
companies
Equifax, TransUnion, and Experian Website
AnnualCreditReport.com
These are the three big nationwide providers of
consumer reports.
Phone
877-322-8228 (Option 1)

Address
Central Source, LLC
P.O. Box 105283
Atlanta, GA 30348-5283

Equifax, TransUnion, and Experian reports contain:

 Information about your payment history as submitted by credit card companies, home and
auto lenders (and leasing companies), and other creditors.
 How much credit you have and use.
 Information from debt collectors including unpaid medical debt that is greater than 180
days delinquent from date of service, and past-due debt from cable and phone bills.
 Some public information like bankruptcies.

 Inquiries from creditors who have requested your credit reports when you apply for
credit.

Free report:
Each of these companies will provide one free credit report every 12 months if you request it. As a
result of a 2019 settlement, all U.S. consumers may also request up to six free copies of their Equifax
credit report during any twelve-month period. These free copies will be provided to you in addition to
any free reports to which you are entitled under federal law.

8 LIST OF CONSUMER REPORTING COMPANIES

AnnualCreditReport.com will route you to any of the three companies you select. Before giving you
a copy of your report, each company will ask you a few detailed questions to authenticate your
identity. These questions are designed to be those only you can answer. They might be questions
such as asking you to verify information about an existing or closed loan. The question could ask
you to identify a street address where you have never lived and you would respond that it was not
an address where you lived. The purpose of these questions is to protect the security of your
information.

If you run into difficulty getting your free Equifax, TransUnion, or Experian annual credit report(s)
from AnnualCreditReport.com or its toll-free phone number provided above, try contacting the
respective institution(s) directly for help:

 Equifax, (866) 349-5191 (Option 1)

 TransUnion, (800) 680-7289 (Option 1)

 Experian (888) 397-3742 (Option 2 followed by Option 1)

Freeze your report:

Each of these companies offers you the option to freeze your report with them if you request it. By
law each must freeze and unfreeze your credit file for free if you request it. You also can get a free
freeze for your children who are under 16. If you are someone’s guardian, conservator or have a
valid power of attorney, you can get a free freeze for that person, too. Below is each company’s
freeze contact information:
 Equifax, (800) 349-9960 (Automated, Option 1) or (888) 298-0045 (Live)

 TransUnion, (888) 909-8872 (Option 3)

 Experian, (888) 397-3742 (Option 1 followed by Option 2)

Equifax, TransUnion, and Experian will provide free credit monitoring services to active duty
servicemembers and to National Guard members, by visiting the active military web pages of each
company:
 Equifax Active Military

 TransUnion Active Military

 Experian Active Military

9 LIST OF CONSUMER REPORTING COMPANIES

Employment screening
Employment screening companies provide verification information such as credit history,
employment, salary, and education and professional license verification to employers and others.
They may also provide residential address history and Social Security Number verification;
criminal arrest and conviction information, as well as fingerprint information from state and
federal criminal record databases; motor vehicle and driver’s record information; drug and
alcohol testing and health screening information; and non-profit and volunteer activity
verification. Many employment screening companies won’t have information on you
unless you authorized an employer or other end-user to obtain a report. If possible,
when you give your authorization, ask for the name(s) of the employment screening company
being used. Contact those reporting companies to fact-check your reports. If the employer is
checking your credit history in separate reports, from one or all three of the nationwide providers
of consumer reports listed above, request and review those reports too.

Accurate Background Website

accurate.com
Provides background screening services.
Phone
Free report: 800-216-8024
The company will provide one free report if you request Address
it and if the company has a file on you. Accurate Background, Inc.
7515 Irvine Center Drive
Irvine, CA 92618

Website
ADP Screening & Selection Services, Inc. adpselect.com
Provides background screening services.
Phone
800-367-5933
The company is a subsidiary of ADP, LLC.
Address
ADP Screening & Selection Services, Inc.
Free report: 301 Remington Street
Fort Collins, CO 80524
The company will provide a free report completed in
the past two years if you request it and if the company
has a file on you.

10 LIST OF CONSUMER REPORTING COMPANIES

 Website
backgroundchecks.com backgroundchecks.com
Provides background screening services.
Phone
backgroundchecks.com is affiliated with General 866-265-6602
Information Services, Inc. (GIS).
Address backgroundchecks.com
Attn: Consumer Relations
Department
P.O. Box 353
Chapin, SC 29036

Website
Checkr checkr.com
Provides background screening services.
Phone
844-824-3257
The company allows consumers to review their
reports via its Applicant Portal. Address
One Montgomery Street, Suite 2000
San Francisco, CA 94104
Free report:
The company will provide a free report if you
request it via its Better Future website.

Website
EmpInfo empinfo.com
Verifies and provides employment and income Request report information
information to employers, lenders, rental housing
Phone
managers and social benefits processors. 800-274-9694

Address
Free report: EmpInfo
The company will provide one free report every 12 5900 Silver Creek Valley Road
months if you request it. Generally, you will not have San Jose, CA 95138
an EmpInfo consumer report unless a
company has engaged EmpInfo to create one.

11 LIST OF CONSUMER REPORTING COMPANIES

 First Advantage Corporation Website
FADV.com
Provides background screening services. First
Advantage is being acquired by Silver Lake. Phone
800-845-6004

Free report: Address

First Advantage
The company will provide one free report every 12
Consumer Center
months if you request it. P.O. Box 105292
Atlanta, GA 30348-5292
Freeze your report:
The company will freeze your consumer report if you
request it.

Website
General Information Services, Inc. (GIS) GenInfo.com
Provides background screening services.
Phone
866-265-4917 (Option 1)
General Information Services has merged with
HireRight. Address
General Information Services
Free report: Consumer Relations Department
917 Chapin Road
The company will provide a free report if you request
P.O. Box 353
it and the company has a file on you. Chapin, SC 29036

HireRight Website
HireRight.com
Provides background screening services.
Phone
Free report: 800-381-0645
The company will provide a free report if you request it
and if the company has a file on you. Address
HireRight
Attn: Consumers Department
14002 E. 21st Street
Suite 1200
Tulsa, OK 74134

12 LIST OF CONSUMER REPORTING COMPANIES

 Info Cubic Website
Infocubic.com
Provides background screening services. Request report form

Free report: Phone

877-360-4636
The company will provide one free report every 12
303-220-0169
months if you request it.
Address
Info Cubic, LLC
Attn: Applicant Services
116 Inverness Dr. East
Suite 206
Englewood, CO 80112

IntelliCorp Website
Intellicorp.net
Provides background screening services. Request report form
IntelliCorp is a subsidiary of Verisk Analytics.
Phone
866-202-1436 or 888-946-8355
Free report:
Address
The company will provide one free report every 12 IntelliCorp Records, Inc.
months if you request it.
Attn: Compliance Department
3000 Auburn Drive, Suite 410
Beachwood, OH 44122

13 LIST OF CONSUMER REPORTING COMPANIES

 OPENonline Website
OPENonline.com
Provides background screening services.
Request report form

Free report: Phone

888-381-5656
The company will provide one free report every 12
months if you request it and if previously requested Address
from OPENonline by one of its clients. OPENonline, LLC
Attn: Compliance
PO Box 549
Columbus, OH 43216-0549

Pre-employ.com Website
Provides background screening services. pre-employ.com

Phone
Free report: 800-300-1821
The company will provide a free report if you
Address
request it and if one has been prepared by Pre-
Pre-employ.com, Inc.
employ.com at the request of one of its clients. Attn: Compliance Department
P.O. Box 491570
Redding, CA 96049

Sterling Website
sterlingcheck.com
Provides background screening services.
Phone
Free report: 888-889-5248

The company will provide one free report every 12 Address

months if you request it and if the company has a file Sterling
on you. 4511 Rockside Road
Independence, OH 44131
Attn: Consumer Reports

14 LIST OF CONSUMER REPORTING COMPANIES

 Truework Website
truework.com
Collects data to verify employment and income.
Phone
Free report: 833-878-3967

If your employer uses Truework, you can use Address

Truework to verify your employment and income Truework
325 Pacific Avenue
information when applying for loans, jobs, and San Francisco, CA 94111
apartment rentals.

The Work Number

Website
Provides employment and income information. It TheWorkNumber.com
includes data collected from employers and large Request a report form
private sector payroll processors. The Work Number
Phone
provides this information to employers. It also 866-604-6570 (Option 1)
provides this information to government agency
clients to determine, for example, an applicant’s Address
Equifax Workforce Solutions
social service eligibility, or, say, to inform child
Attn: EDR
support collections and enforcement. 3470 Rider Trail South
Earth City, MO 63045
Equifax Workforce Solutions, also known as TALX
Corporation, operates The Work Number. TALX is a
wholly owned subsidiary of Equifax.

Free report:
The company will provide one free report every 12
months if you request it.

15 LIST OF CONSUMER REPORTING COMPANIES

Tenant screening
If you are applying as a tenant for a residential property, ask the management company for the
name(s) of consumer reporting company it will be using to screen you. Contact the screener(s) to
fact-check your information and dispute suspected inaccuracies as needed. A tenant screening
report with negative information in it, such as prior housing evictions, could result in a rejected
lease application, or it may get approved but with tough conditions inserted into the lease
agreement such as requiring you to pay twelve months of rent in advance. If a landlord refuses to
rent to you or charges you more because of something in a background check, be sure to know your
rights.

Contemporary Information Corp. (CIC) Website

CICreports.com
Conducts background screening services for
landlords and residential real estate management Phone
companies. Information includes eviction and 800-288-4757 (Option 5)
criminal background data.
Address
CIC Consumer Relations
Free report: 42913 Capital Drive
Unit 101
The company will provide one free report pertaining Lancaster, CA 93535
to their national eviction record database every 12
months if you request it.

16 LIST OF CONSUMER REPORTING COMPANIES

 CoreLogic Rental Property Solutions Website
rental.corelogic.com
Collects and reports comprehensive information Request report form
about landlord-tenant actions (such as prior Request security freeze
evictions), address history, public background check
Phone
(to identify prior criminal and court judgments, 800-815-8664 (Option 1) or
including prior prison sentences, presence on 888-333-2413 (Option 1)
government-managed sex offender and known
Address
terrorist databases).
CoreLogic Rental Property Solutions, LLC
Consumer Relations Department
Free report: P.O. Box 509124
The company will provide one free report every 12 San Diego, CA 92150
months if you request it.

Freeze your report:

The company will freeze your consumer report if you
request it.

Experian RentBureau Website

experian.com/rentbureau
Collects rent payment history data from property Request report form
owners and residential real estate managers,
electronic rent payment services and collection Phone
877-704-4519
companies, and makes that information available to
the multifamily housing industry through tenant Address
screening reporting companies. Experian also Experian RentBureau
includes some positive rent data it receives from P.O. Box 26
Allen, TX 75013
Experian RentBureau in its standard credit reports.
Positive rent data refers to payments that are paid as
agreed between tenants and landlords.

Free report:
The company will provide one free report every 12
months if you request it.

17 LIST OF CONSUMER REPORTING COMPANIES

 First Advantage Corporation Resident Website
Solutions FADV.com
Request report form
Provides background screening services. First
Advantage is being acquired by Silver Lake. Phone
800-845-6004

Free report: Address

The company will provide one free report every 12 First Advantage Consumer Center
months if you request it. P.O. Box 105292
Atlanta, GA 30348-5292

Freeze your report:

The company will freeze your consumer report if
you request it.

Real Page, Inc. (LeasingDesk) Website

RealPage.com
Provides consumer data and “AI-enabled” risk
scores, with a focus on identity verification, tenant Phone
history (rent payments and evictions), check writing 866-934-1124

history, as well as criminal public record searches for Address

property-, animal-, violence-, and fraud-related LeasingDesk Screening
criminal activity. Attn: Consumer Relations
2201 Lakeside Blvd.
Richardson, TX 75082
Free report:
The company will provide one free report every 12
months if you request it.

Freeze your report:

The company will freeze your consumer report if you
request it.

18 LIST OF CONSUMER REPORTING COMPANIES

 Screening Reports, Inc. Website
ScreeningReports.com
Provides background screening services to the
multifamily housing industry. Offers screening Phone
services for affordable, conventional and student 866-389-4042
housing properties. Services consist of previous Address
rental verification and employment verification, Screening Reports, Inc.
consumer credit reports, landlord tenant eviction 220 Gerry Drive
reports, criminal reports, sex offender reports, Wood Dale, IL 60191

and foreign asset compliance (OFAC search).

Free report:
The company will provide a free report if you
request it and if you have submitted a rental
application that was processed by Screening
Reports, Inc.

TransUnion Rental Screening Website

my smartmove.com
Solutions, Inc. (TransUnion
SmartMove) Phone
Provides tenant screening reports, and estimated 888-387-1750 (Option 4) or
income, resident risk scores and leasing 866-775-0961 (Option 4)
recommendations for independent landlords and
residential real estate management companies. Address

TransUnion Rental Screening Solutions, Inc.

Free report: 6430 South Fiddlers Green Circle Suite 500
Greenwood Village, CO 80111
The company will provide you with the tenant
and income reports you authorized to landlords
if you request it.

19 LIST OF CONSUMER REPORTING COMPANIES

Check and bank screening
Banks and credit unions use check and bank screening reports to help decide whether to offer you
a checking account or to cash a check. For example, you may have negative information in your
report if you had a checking account before and you have an unpaid negative balance on that
account, such as from an overdraft that you have not repaid and the account was closed or if you
were suspected of fraud related to the account. If you have been a victim of bank and/or check-
writing fraud, or have had prior difficulties opening or closing a bank account (such as being
denied an account), review your check and bank screening report(s) and dispute them if
inaccurate.

Certegy Check Services Website

AskCertegy.com
Collects check writing histories and provides check
screening services primarily for retail merchants Phone
and gaming establishments who accept checks as 800-237-3826
payment. Address
Certegy Check Services
Free report: Attn: CFDR Request
The company will provide one free report every 12 P.O. Box 30046
Tampa, FL 33630-3046
months if you request it.

20 LIST OF CONSUMER REPORTING COMPANIES

 ChexSystems Website
Provides account verification services primarily for chexsystems.com
financial institutions. Collects and reports data on Request report form
Request score form
checking account applications, openings, and Security freeze information
closures, including reasons for account closure. Security freeze form

ChexSystems is affiliated with affiliated Phone

800-428-9623 or
Fidelity National Information Services, Inc.
800-513-7125
(FNIS).
Address
ChexSystems, Inc.
Free report and score: Attn: Consumer Relations
The company will provide one free report every 12 7805 Hudson Road, Suite 100
Woodbury, MN 55125
months if you request it. A free score will be
provided upon request too.

Freeze your report:

The company will freeze your consumer report if
you request it.

CrossCheck, Inc. Website

cross-check.com
Provides check verification and guarantee services
primarily for automotive sales and repair, building Phone
supply, home improvement, retail, medical, dental, 800-843-0760
and veterinarian industries. Address
CrossCheck, Inc.
Free report: Attn: Consumer Inquiry Department
P.O. Box 6008
The company will provide one free report every 12
Petaluma, CA 94955-6008
months if you request it.

21 LIST OF CONSUMER REPORTING COMPANIES

 Early Warning Services Website
Assists financial institutions, check acceptance Earlywarning.com
companies such as retail merchants, payment
Phone
processors and other financial entities in 800-325-7775 (Option 4)
detecting and preventing fraud associated with
Address
bank accounts and payment transactions.
Early Warning
Attn: Consumer Services Department
Early Warning is co-owned by Bank of America,
16552 North 90th Street
BB&T, Capital One, JPMorgan Chase, PNC Bank, Scottsdale, AZ 85260
U.S. Bank and Wells Fargo.

Free report:
The company will provide one free report every
12 months if you request it.

Global Payments Check Services, Inc. Website

Globalpaymentsinc.com
Provides check screening and verification
services for various consumer-facing industries. Phone
800-638-4600, (Option 2)
Free report:
Address
The company will provide one free report every Global Payments Check Services, Inc.
12 months if you request it. Attn: FACT ACT Support
P.O. Box 59371
Chicago, IL 60659

22 LIST OF CONSUMER REPORTING COMPANIES

 TeleCheck Services Website
FirstData.com/telecheck
Assists retailers, financial institutions and other
businesses in reducing fraud and other risks Phone
800-366-2425
associated with accepting payments and opening
accounts using check writing, and other checking Address
account related information. Telecheck Services, Inc.
Attn: Consumer Resolution Services
TeleCheck is a wholly-owned subsidiary of P. O. Box 6806
First Data Corporation. Hagerstown, MD 21741-6806

Free report:
The company will provide one free report every 12
months if you request it.

23 LIST OF CONSUMER REPORTING COMPANIES

Personal property insurance
Fact-check your specialty insurance report when applying for insurance.

A-PLUS Property (by Verisk) Website

A-Plus Property/Verisk.com
Collects and reports insurance claims and loss
history associated with homes, auto or personal Phone
property. 800-627-3487 (Option 2)

Address
A-PLUS Property is a subsidiary of Verisk
Analytics, Inc. Verisk Insurance Solutions
Consumer Inquiry Center
P.O. Box 5404
Free report:
Mt. Laurel, NJ 08054
The company will provide one free report every 12
months if you request it.

24 LIST OF CONSUMER REPORTING COMPANIES

 LexisNexis C.L.U.E. (Auto & Property Website
consumer.risk.lexisnexis.com
Reports)
Request security freeze (click on
LexisNexis C.L.U.E. (Comprehensive Loss “U.S. Consumer Reports”)
Underwriting Exchange) is a claims history
information exchange. It collects and reports Phone
888-497-0011
up to seven years of auto and personal property
claims respectively. Data provided include Address
policy information such as name, date of birth LexisNexis Risk Solutions
Consumer Center
and policy number; and claim information such
P.O. Box 105108
as date of loss, type of loss and amounts paid,
Atlanta, GA 30348-5108
and property information.

LexisNexis C.L.U.E. Inc. is affiliated with

LexisNexis Risk Solutions.

Free report:
The company will provide one free report every 12
months if you request it.

Freeze your report:

The company will freeze your consumer report if
you request it.

25 LIST OF CONSUMER REPORTING COMPANIES

 Drivers History Website
Provides reports to its insurance clients containing DriversHistory.com
information and data collected from open public
Phone
sources and governmental agencies regarding 855-694-1555
driving violations issued to specific individuals.
Address
Clients that are employers or potential employers Drivers History
can also use these reports to help determine whether Consumer Relations
someone qualifies, or remains qualified, for a P.O. Box 600
particular job. Woodlyn, PA 19094

Drivers History is a subsidiary of TransUnion.

Free report:
The company will provide you with a free report if
there is adverse action as a result of information in
the report.

Insurance Information Exchange (iiX) Website

IIX.com
Collects and reports motor vehicle records, Request report form
including traffic violation data to insurance
providers and prospective employers. The company Phone
866-560-7015
also provides employment and education
verification services. Address
Insurance Information Exchange (iiX)
Insurance Information Exchange is a subsidiary of Attn: Compliance
Verisk Analytics, Inc. 1716 Briarcrest Drive, Suite 200
Bryan, TX 77802

Free report:
The company will provide a free report if there is
adverse action as a result of information in the
report.

26 LIST OF CONSUMER REPORTING COMPANIES

Medical
Fact-check your medical specialty report before or when applying for private life, health, critical
illness, long-term care or disability income insurance.

MIB, Inc. Website

MIB.com
Collects information about medical conditions and Request report form
hazardous avocations with your authorization. It
reports this information to life and health Phone
insurance companies to assess your risk and 866-692-6901
eligibility during the underwriting of individual
Address
(rather than as a member of a group) life, health, MIB, Inc.
disability income, critical illness, and long-term 50 Braintree Hill Park
care insurance policies. Generally, you will not Suite 400
have an MIB consumer report unless you applied Braintree, MA 02184-8734
for individually underwritten life or health
insurance at an MIB member insurance company
within the past seven years.

MIB, Inc. is a subsidiary of MIB Group, Inc.

Free report:
The company will provide one free report every 12
months if you request it.

Milliman IntelliScript Website

RxHistories.com
Collects information on your prescription drug Request report form
purchase history. You may have a prescription
report about you if you authorized the release of Phone
877-211-4816
your medical records to an insurance company and
that company submitted a request to Milliman. Address
Otherwise, Milliman will have no information. Milliman IntelliScript
P.O. Box 2223
Brookfield, WI 53008

27 LIST OF CONSUMER REPORTING COMPANIES

Low-income and subprime
Clarity Services Website
ClarityServices.com
Collects and provides information on payday Request score
loans, installment loans, auto loans (and leasing), Request security freeze
check cashing services, rent-to-own transactions,
Phone
telecommunication account openings, and 866-390-3118 (Option 1 for security
financial services with an emphasis on the lower- freeze; Option 4 for report request).
income and subprime consumer market
Address
segments. Clarity Services, Inc.
P.O. Box 5717
Clarity Services is owned by Experian. Clearwater, FL 33758

Free report and score:

The company will provide one free report every
12 months if you request it. The company will
also provide a credit risk score if you request it.

Freeze your report:

The company will freeze your consumer report if
you request it.

28 LIST OF CONSUMER REPORTING COMPANIES

 CoreLogic Teletrack Website
Collects consumer information about, and provides CoreLogic.com/teletrack
Request report
data to, payday lenders, rent-to-own businesses, Request security freeze
furniture stores that offer financing, auto finance
and leasing companies, high risk consumer finance Phone
877-309-5226
businesses, subprime home lending businesses,
subprime credit card issuers, banks, credit unions, Address
cable/telecom companies and debt CoreLogic Teletrack
P.O. Box 509124
buyers/collectors.
San Diego, CA 92150
Attn: Consumer Disputes Department
Free report:
The company will provide one free report every 12
month if you request it.

Freeze your report:

The company will freeze your consumer report if

you request it.

DataX Website
DataX.com
Collects and provides payment history regarding Request security freeze
subprime consumers.
Phone
Equifax owns DataX.
800-295-4790 (Option 1)

Free report: Address

The company will provide one free report every DataX, Ltd.
7582 Las Vegas Blvd.
12 months if you request it.
Suite 693
Freeze your report: Las Vegas, NV 89123
The company will freeze your consumer report if
you request it.

29 LIST OF CONSUMER REPORTING COMPANIES

 FactorTrust
Website
Collects loan performance information on factortrust.com
nonprime consumers to provide predictive credit Request security freeze
data, analytics and risk scoring solutions to short-
Phone
term lenders, installment lenders, nonprime auto 844-773-3321
lenders (and leasing companies) and other
subprime credit providers. Address
FactorTrust, Inc.
Attn: Consumer Inquiries
FactorTrust is owned by TransUnion.
P.O. Box 3653
Alpharetta, GA 30023
Free report:
The company will provide one free report every 12
months if you request it.

Freeze your report:

The company will freeze your consumer report if
you request it.

MicroBilt / PRBC Website

MicroBilt.com
Provides consumer credit information, bill
Request report
payment information, employment information,
bank account data, property records, court Phone
888-222-7621
judgments, address and phone information on low-
income and subprime consumers to businesses Address
that offer short term, rent-to-own, auto, retail and MicroBilt / PRBC
Attn: Consumer Affairs Department
consumer finance lending.
P.O. Box 440693
Kennesaw, GA 30160
Free report:
The company will provide one free report every 12
months if you request it. Upon request, a free
score, if available, will be provided with the report.

Freeze your report:

The company will freeze your consumer report if
you request it.

30 LIST OF CONSUMER REPORTING COMPANIES

Supplementary reports
The companies listed in this section sell data primarily to help entities manage credit and fraud
risk. This information frequently supplements other datasets, such as the traditional credit data
the nationwide consumer reporting companies sell about you.

CoreLogic Credco Website

CoreLogic.com/Credco
Collects and reports personal data such as property Request security freeze
ownership and home loan obligation records;
Phone
property legal filings and tax payment status; rental 877-532-8778
applications and collection accounts; consumer
bankruptcies, liens, judgments, and child support Address
CoreLogic Credco, LLC
obligations. P.O. Box 509124
San Diego, CA 92150
Free report:
The company will provide one free report every 12
months if you request it.

Freeze your report:

The company will freeze your consumer report if
you request it.

Innovis Website
Innovis.com
Provides ID verification data to assist with fraud Request security freeze
detection and prevention.
Phone
800-540-2505
Free report:
The company will provide one free report every 12 Address
months if you request it. Innovis Consumer Assistance
P.O. Box 1689
Pittsburgh, PA 15230-1689
Freeze your report:
The company will freeze your consumer report if
you request it.

31 LIST OF CONSUMER REPORTING COMPANIES

 LexisNexis Risk Solutions Website
consumer.risk.lexisnexis.com
Collects information from public records and Request security freeze (click
multiple proprietary data sources. This includes on “U.S. Consumer Reports”)
items such as real estate transaction and ownership
Phone
data, lien, judgment, and bankruptcy records, 888-497-0011
professional license information, and historical
addresses on file. Address
LexisNexis Risk Solutions Consumer
Center
Free report: P.O. Box 105108
The company will provide one free report every 12 Atlanta, GA 30348-5108
months if you request it.

Freeze your report:

The company will freeze your consumer report if
you request it.

SageStream Website
SageStream
(subsidiary of ID Analytics, LLC)
Request report
This reporting company collects information from, Request score
and provides supplementary consumer reports to, Request security freeze
auto lenders, credit card issuers, retailers, utilities
Phone
and mobile phone service providers among other 888-395-0277
service providers. SageStream is a subsidiary of ID
Address
Analytics.
SageStream, LLC
ID Analytics is being acquired by LexisNexis Risk Consumer Office
P.O. Box 503793
Solutions.
San Diego, CA 92150

Free report and score:

The company will provide one free report every 12
months if you request it. The company will also
provide a credit risk score if you request it.

Freeze your report:

The company will freeze your consumer report if
you request it.

32 LIST OF CONSUMER REPORTING COMPANIES

Utilities
National Consumer Telecom & Utilities Website
NCTUE.com
Exchange (NCTUE)
This membership of companies collects Phone
information on new telecom and utility connect 866-349-5185 (Option 1)
requests, account and payment histories 866-343-2821 (for security freeze)

including delinquencies and charge-offs, Address

associated with telecommunications, pay TV, and NCTUE Disclosure Report
utility (electric, gas, water) services to help P.O. Box 105161
Atlanta, GA 30348
companies in these industries manage customer
relations. NCTUE Security Freeze
P.O. Box 105561
Free report: Atlanta, GA 30348
The company will provide one free report every
12 months if you request it.

Freeze your report:

The company will freeze your consumer report if
you request it.

33 LIST OF CONSUMER REPORTING COMPANIES

Retail
The Retail Equation
Website
Monitors and reports to merchants retail theretailequation.com
product return and exchange fraud and abuse.
Phone
800-652-2331
Free report:
Address
The company will provide a free report if you The Retail Equation
request it. P.O. Box 51373
Irvine, CA 92619-1373

34 LIST OF CONSUMER REPORTING COMPANIES

Gaming
VIP Preferred
Website
Provides consumer data to assist casinos and vippreferred.com
other gaming establishments such as racetracks
Phone
to manage the risk associated with check-
800-638-4600, (Option 2)
cashing settlement services to consumers.
Address
Global Payments Gaming Services, Inc.
Free report:
Attn: FACT ACT Support
The company will provide one free report every P.O. Box 59371
12 months if you request it. Chicago, IL 60659

35 LIST OF CONSUMER REPORTING COMPANIES