1

List of Consumer Reporting Agencies

1

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 were 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 reports
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 companys
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. Well 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 doesnt 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 CFPBs supervisory or enforcement authority. To make
corrections or additions to the list, contact the CFPB at [email protected] and include
Attn: Jonah Kaplan in the subject line.


2


Contents
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 ..............................................................................................3
Payday Lending ......................................................................................................................5
Auto and Property Insurance History Reports .........................................................................6
Supplementary/Alternative Credit Reports .............................................................................8
Utilities ................................................................................................................................ 10
Gaming ................................................................................................................................ 10
Rental .................................................................................................................................. 11
Medical ............................................................................................................................... 12
Employment History Reports ................................................................................................ 13


3

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
AnnualCreditReport.com
Address
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Phone
877-322-8228
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
AskCertegy.com
Address
Certegy Check Services Inc.
P.O. Box 30296
Tampa, FL 33630-3296
Phone
866-543-6315


4

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
ConsumerDebit.com

Address
ChexSystems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MA 55125
Phone
800-428-9623
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
EarlyWarning.com
Address
Early Warning Services
16552 North 90th Street, Suite 100
Scottsdale, AZ 85260
Phone
800-325-7775
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
FirstData.com/telecheck

Address
Telecheck
Attention: Consumer Resolutions-FA
P.O Box 4514
Houston, TX 77210-4514
Phone
800-366-2425

5

PAYDAY LENDING (RETURN TO CONTENTS)
Clarity Services
Provides information on payday loans, financial services, check cashing services, and auto
loans.
Website
ClarityServices.com
(Request form)
Address
Clarity Services
P.O. Box 5717
Clearwater, FL 33758
Phone
866-390-3118
DataX
Provides information on credit histories of subprime consumers.
Website
consumers.dataxltd.com
Address
Data X Ltd.
Attn: Customer Service
325 E. Warm Springs Road, Suite 202
Las Vegas, NV 89119
Phone
800-295-4790
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
FactorTrust.com
Address
FactorTrust
P.O. Box 3653
Alpharetta, GA 30023
Phone
866-910-8497


6

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
Microbilt.com
Address
Microbilt
Attn: Compliance Department
P.O. Box 440693
Kennesaw, GA 30160
Phone
1-800-884-4747
(Option 5)
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
Teletrack.com

(Request Form)
Address
CoreLogic Teletrack
P.O. Box 509124
San Diego, CA 92150
Attention: Consumer Disputes
Department
Phone
877-309-5226
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
IIX.com


Address
iiX
1716 Briarcrest Drive, Suite 200
Bryan, TX 77802
Phone
866-560-7015


7

Insurance Services Office (ISO) (A Plus Property Reports)
Collects insurance claims and loss information associated with homes or commercial
buildings.
Website
ISO.com

Address
A-PLUS Consumer Inquiry Center
(ISO)
545 Washington Boulevard, FL 22
Jersey City, NJ 07310-1686
Phone
800-709-8842
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
PersonalReports.lexisnexis.com


Address
C.L.U.E. Inc. Consumer Center
P.O. Box 105295
Atlanta, GA 30348-5295
Phone
866-312-8076
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
PersonalReports.lexisnexis.com


Address
C.L.U.E. Inc. Consumer Center
P.O. Box 105295
Atlanta, GA 30348-5295
Phone
866-312-8076

8

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
Credco.com
Address
CoreLogic Credco
P.O. Box 509124
San Diego, CA 92150
Phone
(800) 637-2422
(Credit Report
inquiries)
(877) 532-8778
(CoreLogic
Credco
Consumer File
inquiries)
IDA, Inc.
Provides supplementary credit reports to lenders and other service providers.
Website
IDA Request Form

Address
IDA, Inc.
Attn: Information Request Services
P.O. Box 503793
San Diego, CA 92150
Phone
(866) 361-7984


9

Innovis
Provides supplementary credit reports to lenders.
The company will provide one free credit report every 12 months.
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.
Website
L2CInc.com


Address
L2C, Inc.
P.O. Box 550089
Atlanta, GA 30355
Phone
866-268-7156
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
personalreports.lexisnexis.com

Address
LexisNexis Risk Solutions Bureau
RiskView Consumer Inquiry
Department P.O. Box 105108
Atlanta, GA 30348-5108
Phone
866-312-8076


10

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
Microbilt.com
Address
Pay Rent Build Credit
(PRBC)/MicroBilt
Attn: Compliance Department
P.O. Box 440693
Kennesaw, GA 30160
Phone
1-800-884-4747
(Option 5)
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
NCTUE.com
Address
Exchange Service Center Disclosure
P.O. Box 105161
Atlanta, GA 30348
Phone
866-343-2821
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
AskCertegy.com
Address
Certegy Gaming Services, Inc.
Attn: Gaming Bureau
P.O. Box 30296
Tampa, FL 33630-3296
Phone
866-543-6315

11

RENTAL (RETURN TO CONTENTS)
Contemporary Information Corp.
Conducts background screening services.
Website
CICreports.com

Address
Contemporary Information Corp.
42913 Capital Drive, Unit 101
Lancaster, CA 93535
Phone
800-288-4757
(Option 5)
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
residentscreening.com
(Request form)
Address
CoreLogic SafeRent Consumer
Relations
P.O. Box 509124
San Diego, CA 92150
Phone
888-333-2413
First Advantage Resident History Report
Conducts background screening services.
The company will provide one free report every 12 months.
Website
FADV.com


Address
First Advantage Consumer Center
P.O. Box 105292
Atlanta, GA 30348
Phone
800-845-6004


12

Leasing Desk (Real Page)
Provides data for tenant screening.
The company will provide one free report every 12 months.
Website
RealPage.com
Address
Leasing Desk Consumer Relations
4000 International Parkway
Carrollton, TX 75007
Phone
866-934-1124
Tenant Data Services
Rental performance history (damages, unauthorized pets, lease violations, skips, etc.).
Website
TenantData.com
Address
Personal Report Request
Tenant Data Services, Inc.
P.O. Box 5404
Lincoln, NE 68505-0404
Phone
800-228-1837
(Option 6)
MEDICAL (RETURN TO CONTENTS)
MIB, Inc.
Collects information about medical conditions and hazardous avocations from insurance
applications with the consumers 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
MIB.com
Address
MIB, Inc.
50 Braintree Hill Park, Suite 400
Braintree, MA 02184
Phone
866-692-6901


13

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
RxHistories.com

Address
Milliman IntelliScript
15800 Bluemound Road, Suite 100
Brookfield, WI 53005
Phone
877-211-4816
EMPLOYMENT HISTORY REPORTS (RETURN TO CONTENTS)
Note that many employment reporting companies wont 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
AccurateBackground.com

Address
Accurate Background, Inc.
6 Orchard, Suite 200
Lake Forest, CA 92630
Phone
800-784-3911
American DataBank
Conducts background screening services.
Website
Americandatabank.com
Address
American DataBank
110 Sixteenth Street, 8
th
Floor
Denver, CO 80202
Phone
800-200-0853


14

EmployeeScreenIQ
Provides pre-employment screening services.
Website
EmployeeScreen.com

Address
EmployeeScreenIQ
P.O. Box 22627
Cleveland, OH 44122
Phone
800-235-3954
(Option 5)
First Advantage
Conducts background screening services.
The company will provide one free report every 12 months.
Website
FADV.com

Address
First Advantage Consumer Center
P.O. Box 105292
Atlanta, GA 30348
Phone
800-845-6004
GIS
Conducts background screening services.
Website
GenInfo.com

Address
GIS
P.O. Box 353
Chapin, SC 29036
Phone
800-265-4917
HireRight
Conducts employment background screening services.
The company will provide one free report every 12 months.
Website
HireRight.com

Address
HireRight
P.O. Box 33181
Tulsa, OK 74153
Phone
800-381-0645


15

Infocubic
Provides pre-employment screening services.
Website
Infocubic.com
(Request report form)
Address
Infocubic
9250 E. Costilla Ave., Suite 525
Greenwood Village, CO 80112
Phone
877-360-4636
Intellicorp
Provides employment histories and criminal histories.
Website
Intellicorp.net
(Request report form)
Address
Intellicorp Records Inc.
3000 Auburn Drive, Suite 410
Beachwood, OH 44122
Phone
866-202-1436
Pre-employ.com
Provides employment background, investigative, consumer reports.
Website
Pre-employ.com
(Request report form)
Address
Pre-employ.com
Attn: Compliance Department
P.O. Box 491570
Redding, CA 96049-1570
Phone
800-300-1821
(extension 199)
Professional Screening & Information, Inc.
Provides pre-employment screening services.
Website
psibackgroundcheck.com
(Request report form)
Address
PSI, Inc.
P.O. Box 644
Rome, GA 30162
Phone
877-235-7574


16

Sterling Infosystems, Inc.
Conducts employment background screening services.
The company will provide one free report every 12 months.
Website
sterlinginfosystems.com
(Request report form)
Address
Sterling Infosystems, Inc.
ATTN: Consumer Reports
6111 Oak Tree Blvd.
Independence, OH 44131
Phone
877-424-2457
Trak-1 Technology
Conducts background screening services.
Website
Trak-1.com
Address
Trak-1 Technology
Consumer Report Request
7131 Riverside Parkway
Tulsa, Oklahoma 74136

Trak-1 Technology
Consumer Disputes
7131 Riverside Parkway
Tulsa, Oklahoma 74136
Phone
918-779-7000
Verifications Inc.
Conducts background screening services.
The company will provide one free report every 12 months.
Website
VerificationsInc.com
Address
Attention: Applicant Services,
1425 Mickelson Drive
Watertown, SD 57201
Phone
877-884-1313


17

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
TheWorkNumber.com
(Request form)
Address
Annual Credit Report
P.O. Box 105281
Atlanta, GA 30348-5281
Phone
866-604-6570