List of Consumer Reporting Companies

CONSUMER FINANCI AL PROTECTION BUREAU | 2023

List of Consumer

Reporting Companies

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

Figure 1: Know your data – Three step process........................................................................ 5

Request: Get your report from the companies on this list (often for free) ................................ 5

Review: Know when to check a report .......................................................................................6

Dispute: You have the right to request corrections to your reports ............................................. 7

We’re here if you have complaints about your consumer reports................................................8

Nationwide consumer reporting companies ........................................................................9

Employment screening..........................................................................................................11

Tenant screening ....................................................................................................................20

Check and bank account screening ....................................................................................26

Personal property insurance ................................................................................................30

Medical .....................................................................................................................................32

Low-income and subprime ...................................................................................................33

Supplementary reports ..........................................................................................................36

Utilities .....................................................................................................................................39

Retail.........................................................................................................................................40

Gaming .....................................................................................................................................41

LIST OF CONSUMER REPORTING COMPANIES

Introduction

Below is a list of consumer reporting companies updated for 2023.

Consumer reporting

companies collect information and provide reports about you to other companies (users). These

users buy 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 largest nationwide consumer reporting companies and several others that

focus on certain market areas, consumer segments, and types of users. This list is not intended

to be all-inclusive, but there are many companies in it. We provide you with tips so you can

determine which segments and companies might be important to you. This list 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, security deposit financing and lease guarantees on

home rentals, and buy-now-pay-later (BNPL) products)

 Employers and volunteer organizations (pre-employment screening and on-going

employee monitoring)

 Government agencies to determine eligibility for government assistance

 Landlords and residential real estate management companies for short- and long-term

residential property rentals (tenant screening)

 Banks, credit unions, payment processors and retail stores that accept personal checks

This list is current as of January 2023. It incl udes entities that have i dentified themselves as “consumer reporting

agencies” (as that term is defined in the Fair Credit Reporting Act) or have indicated they provide consumers access

to information they have collected about them. The list incorporates information from the companies’ own self-

descriptions that has not been independently verified by the Bureau. This list does not cover every company in the

industry. It is not intended to be all-inclusive. Nor does it reflect determinations as to whether any particular entity is

subject to the Fair Credit Reporting Act.

Furthermore, presence on, or absence from, this list does not indicate

whether the consumer reporting company is subject to the Bureau’s supervisory or enforcement authority. To

provide your suggested corrections or additions to the list, contact the Bureau at CFPB_CCPD2@cfpb.gov and

include “Consumer Reporting Company List” in the subject line.

LIST OF CONSUMER REPORTING COMPANIES

(check screening)

 Companies that market and sell certain products and services specifically to lower-

income consumers and subprime credit applicants, such as companies providing short-

term lending and rent-to-own lending businesses among others

 Debt buyers and debt collectors

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

 Telecommunication 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 establishments and 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

information in your consumer reports. In most instances, adverse action notifications are

provided after the fact, say, when you have already been rejected for a loan, residential rental

property, or auto lease. Or maybe you are approved, but with any number of costly conditions,

such as being required to make a higher down payment (for example, on a home loan), or place a

security deposit (for example, on a rental property or phone plan), or find a co-signer or

guarantor who will be on-the-hook in the event you fail to meet your contractual obligations. The

accuracy and completeness of your consumer reporting data, therefore, is extremely important.

The good news is that you have a meaningful role to play to help ensure your data are accurate

and complete. As Figure 1 shows below, it’s a three-step process: The first step is to request your

consumer reports. 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 provides

helpful information about how you can take greater control over your consumer reporting data.

LIST OF CONSUMER REPORTING COMPANIES

Figure 1: Know your data – Three step process

Step 1.

Request

Step 2.

Review

Step 3.

Dispute

Source: CFPB, Jan uary 2023.

Request: Get your report from the companies on this list (often for

free)

Under the FCRA, all consumer reporting companies are required to provide you a copy of the

information in your report if you request it and many do so for free. The bigger nationwide

companies must provide you a free report no less than once every twelve months upon your

request (and within fifteen days of receiving your request). As detailed below, you can request

your data from the three largest nationwide consumer reporting companies on a weekly basis

through December 2023. Your financial service providers might also provide you with free access

to risk scores. Frequently – but not always – these are the same scores they use to manage their

credit relationships with you.

Additionally, consumer reporting companies must give you a free copy of your information if you

request it after an adverse action is taken against you (e.g., you are denied credit, employment,

housing, or another benefit) 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 2023, the maximum allowable fee is

$14.50). Requesting copies of your own consumer reports does not hurt your credit scores.

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. Employment and tenant background check

companies may not collect information about you until you have applied for a job or apartment,

respectively. Also, some consumers with limited and/or out-of-date credit histories (sometimes

known as “credit invisible” consumers) 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.

LIST OF CONSUMER REPORTING COMPANIES

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. 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 before you purchase paid credit monitoring. There are many different kinds of scores

available in today’s marketplace, and 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.

Review: Know when to check a report

Fact-check your consumer credit reports from the three largest nationwide consumer reporting

companies (Equifax, TransUnion, Experian) at least every twelve months to ensure they are

accurate and complete, especially if you intend to rent, purchase a home or car with credit, or

otherwise intend to apply for credit in the near future. In response to the Coronavirus (COVID-19)

pandemic, you can now request your credit reports for free weekly from each of the these

companies through December 2023. There isn’t just “one” credit 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,

home rental, or insurance policy, also fact-check your background screening reports to ensure

there are no errors. We give you detailed tips on when and how to best check those reports in the

sections below as appropriate.

Check your report if you suspect you have been a victim of identity theft. Look for accounts on

your report that you don’t recognize or names or addresses that don’t belong to you. See also our

resources to avoid pandemic related scams.

LIST OF CONSUMER REPORTING COMPANIES

You should also consider blocking third-party access to your consumer reporting data through a

security “freeze.” By freezing your consumer reports you can prevent fraudsters from opening new

credit accounts in your name. Consumers reported losing more than $5.8 billion to fraud in 2021,

an increase of more than 70 percent over the previous year.

Below we tell you which company

websites offer additional information about your options to block third-party access to your

consumer reporting data.

Finally, there are additional options to take greater control of your consumer reporting data. You

can opt-out of consumer reporting companies sharing your data for credit and insurance direct

marketing you might not want to receive. Conversely, there are some things to consider should

you decide to share your financial data. 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, by clicking-on the hyperlinks we provide. The

FTC provides additional resources on steps to take if you’re a victim of identity theft.

Dispute: You have the right to request corrections to 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 provided 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. A

company that has provided incorrect information must correct the error and notify all of the

consumer reporting companies to whom it provided the inaccurate information.

Of course, if your information is current and accurate, even if negative, you will not be able to

Federal Trade Commission (FTC), New Data Shows FTC Received 2.8 Million Fraud Reports from Consumers in 2021,

(Feb. 2022), available at https://www.ftc.gov/news-events/news/press-releases/2022/02/new-data-shows-ftc-received-28-

million-fraud-reports-consumers-2021-0. See also, CFPB, “Servicemember reports about identity theft are increasing,” (Jan.

2023), available at https://www.consumerfinance.gov/consumer-tools/educator-tools/servicemembers/servicemember-

reports-about-identity-theft-are -increasing/.

LIST OF CONSUMER REPORTING COMPANIES

remove it. Some services may claim that they can remove negative information, “wash,” 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. Legitimate companies will never ask you to

dispute accurate information or claim identity theft where none has occurred, or do these on your

behalf.

You can learn more about disputing a reporting error on our website, including what to do if you

see the same error in more than one report. You can also learn more about your rights to get

adverse items removed from your consumer reports if you have been a victim of human

trafficking.

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

You can also submit a complaint to us. We will forward your complaint to the company and work

to get you a response. We handle consumer reporting complaints about report accuracy and

completeness errors and other consumer reporting topics, including: 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, and 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 paid credit repair services. We help consumers

connect with financial companies to understand issues, fix errors, and get direct responses about

problems. You can submit complaints to the CFPB online or by calling (855) 411-2372.

LIST OF CONSUMER REPORTING COMPANIES

Nationwide consumer reporting

companies

Equifax, TransUnion, and Experian

These are the three big nationwide providers of

consumer reports.

Website

AnnualCreditReport.com

Phone

877-322-8228 (Option 1)

Address

Central Source, LLC

P.O. Box 105283

Atlanta, GA 30348-5283

Equifax, TransUnion, and Experian reports contain:

 Personal information, such as your name, date of birth, name(s) of loan co-applicants, as

well as current and past residential addresses, phone numbers and employer names.

 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 365

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:

In response to COVID-19, you can now request your credit reports for free weekly from each of these

companies through December 2023. Typically, 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 through

December 31, 2026. These free copies will be provided to you in addition to any free reports to which

you are entitled under federal law.

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

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, (888) 378-4329. For reports in Spanish, choose Option 8 when calling or visit

equifax.com.

 TransUnion, (833) 395-6938. For reports in Spanish, choose Option 2 when calling.

 Experian, (888) 397-3742

Freeze your report:

By law each of these companies must freeze and unfreeze your credit file upon request and must

do so at no charge to you. You also can get a free freeze for your children who are under age 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, (888) 378-4329

 TransUnion, (833) 395-6938

 Experian, (888) 397-3742

For servicemembers: Equifax, TransUnion, and Experian will provide free credit monitoring

services to active duty servicemembers and to National Guard members. You can request these

services by visiting the active military web pages of each company:

 Equifax Active Military

 TransUnion Active Military

 Experian Active Military

LIST OF CONSUMER REPORTING COMPANIES

Employment screening

Employment screening companies provide information such as credit history, employment,

salary, and education and professional license verification to employers and others, including to

non-profit volunteer organizations and to government agencies such as to verify employment

income to determine eligibility for government assistance. 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;

status on global watchlists, motor vehicle and driver’s record information; drug and alcohol

testing and health screening information; and non-profit and volunteer activity verification.

Employment screening can include both pre-employment screening and on-going workforce

monitoring. 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

Provides background screening services.

Free report:

The company will provide one free report if you

request it and if the company has a file on you.

Website

accurate.com

Phone

800-784-3911

Address

Accurate Background, Inc.

7515 Irvine Center Drive

Irvine, CA 92618

LIST OF CONSUMER REPORTING COMPANIES

ADP Screening & Selection Services, Inc.

Provides background screening services.

The company is a subsidiary of ADP, LLC.

Free report:

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. You can also call to

request a report older than two years, but only by

phone.

Website

adpselect.com (Click on “Applicant

Resources”)

Phone

888-606-7868 (Option 2)

Address

ADP Screening & Selection Services, Inc.

Attn: Compliance

301 Remington Street

Fort Collins, CO 80524

Asurint

Provides background screening services,

including, pre- and post-hire searches and

workforce monitoring.

Free report:

The company will provide a free screening report if

you request it and if the company has a file on you.

Website

asurint.com

Phone

800-906-2034

Address

Asurint

P.O. Box 14730

Cleveland, OH 44114

backgroundchecks.com

Provides background screening services.

backgroundchecks.com is a HireRight company.

Free report:

The company will provide a free screening report

if you request it and if the company has a file on

you.

Website

backgroundchecks.com

Phone

866-265-6602

Address

backgroundchecks.com

Attn: Consumer Relations

Department

P.O. Box 353

Chapin, SC 29036

LIST OF CONSUMER REPORTING COMPANIES

CCC Verify

Provides employment and wage information to

lenders, property managers, public assistance

agencies, and others.

CCC Verify is part of Experian.

Free report:

If your current or past employer is a CCC Verify client,

you can request your information if the company has

a file on you.

Website

CCCVerify.com

Employee registration

Phone

855-901-3099

Address

Attn: Verifications

Corporate Cost Control

50 Nashua Road

Londonderry, NH 03053

Certiphi

Provides background screening services tailored to

the healthcare industry.

Free report:

The company will provide a free report if you request

it.

Website

Certiphi.com

Phone

888-260-1370

Address

Consumer Care Department

P.O. Box 541

Southampton, PA 18966

Checkr

Provides background screening and post-hire

workforce monitoring services.

Free report:

The company will provide a free report if you request

it and if previously requested from Checkr by one of

its clients. The company also provides free reports

with limited data for any requesting consumer via a

dedicated website: betterfuture.com.

Website

checkr.com

Request report information

Phone

844-824-3257

Address

Checkr, Inc.

Attn: Privacy Questions

One Montgomery Street

Suite 2400

San Francisco, CA 94104

LIST OF CONSUMER REPORTING COMPANIES

Cisive

Provides background screening services.

Free report:

The company will provide a free report if you request

it and if the company has a file on you.

Website

cisive.com

Phone

855-881-0716

Address

Cisive

5000 Corporate Ct

Suite 203

Holtsville, NY 11742

DISA Global Solutions, Inc.

Provides background screening services.

Free report:

The company will provide a free screening report if

you request it and if the company has a file on you.

Website

disa.com

Request report form

Phone

281-673-2400

Address

Disa Global Solutions, Inc.

10900 Corporate Centre Dr

Suite 250

Houston, TX 77041

EmpInfo, Inc.

Verifies and provides employment and income

information to employers, lenders, rental housing

managers and public assistance processors.

Free report:

The company will provide one free report every 12

months if you request it. Generally, you will not have

an EmpInfo consumer report unless a

company has engaged EmpInfo to create one.

Website

empinfo.com

Request report information

Phone

800-274-9694

Address

EmpInfo

5900 Silver Creek Valley Road

San Jose, CA 95138

LIST OF CONSUMER REPORTING COMPANIES

First Advantage Corporation

Provides background screening and post-hire

workforce monitoring services.

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.

Website

fadv.com

Phone

800-845-6004

Address

First Advantage Consumer

Center

P.O. Box 105292

Atlanta, GA 30348-5292

HireRight

Provides background screening and post-hire

workforce monitoring services.

Free report:

The company will provide a free report if you request

it and if the company has a file on you.

Website

hireright.com

Phone

866-521-6995

Address

HireRight

Attn: Consumers Department

14002 E. 21st Street

Suite 1200

Tulsa, OK 74134

Info Cubic, LLC

Provides background screening services and post-hire

workforce monitoring.

Info Cubic has been acquired by Orange Tree

Employment Screening, LLC.

Free report:

The company will provide one free report every 12

months if you request it and if the company has a file

on you.

Website

infocubic.com

Phone

303-220-0169

Address

Info Cubic, LLC

Attn: Applicant Services

116 Inverness Dr. East

Suite 525

Englewood, CO 80112

LIST OF CONSUMER REPORTING COMPANIES

IntelliCorp

Provides background screening services.

IntelliCorp is a subsidiary of Cisive.

Free report:

The company will provide one free report every 12

months if you request it.

Website

intellicorp.net

Phone

888-946-8355 or

866-202-1436 for Spanish

Address

IntelliCorp Records, Inc.

Attn: Compliance Department

3000 Auburn Drive

Suite 410

Beachwood, OH 44122

OPENonline

Provides background screening services.

OPENonline has been acquired by Universal

Background Screening.

Free report:

The company will provide one free report every 12

months if you request it and if previously requested

from OPENonline by one of its clients.

Website

openonline.com

Request report form

Phone

888-381-5656

Address

OPENonline

Attn: Compliance

7127 South Riverside

Pkwy

Tulsa, OK 74136

Pre-employ.com

Provides background screening services, including

continuous monitoring of nationwide databases.

Free report:

The company will provide a free report if you request

it and if one has been prepared by Pre-employ.com at

the request of one of its clients.

Website

pre-employ.com

Phone

800-300-1821 (Ext. 139)

Address

Pre-employ.com, Inc.

Attn: Compliance Department

P.O. Box 491570

Redding, CA 96049

LIST OF CONSUMER REPORTING COMPANIES

Social Intelligence

Provides social media screening for employers.

Free report:

If the company has a file on you for an employer or

client, you can review your file if you request it.

Website

socialintel.com

Request report information

Phone

888-748-3281

Address

Social Intelligence Corp.

735 State Street

Suite 211

Santa Barbara, CA 93101

Sterling

Provides background screening and post-hire

workforce monitoring services.

Free report:

The company will provide one free report every 12

months if you request it and if the company has a file

on you.

Website

sterlingcheck.com

Phone

888-889-5248

Address

Sterling

Attn: Consumer Reports

4511 Rockside Road

Independence, OH 44131

LIST OF CONSUMER REPORTING COMPANIES

The Work Number

Provides employment and income information. It

includes data collected from employers and large

private sector payroll processors. The Work Number

provides this information to employers. It also

provides this information to government agency

clients to determine, for example, an applicant’s

eligibility for public assistance programs, or, say, to

inform child support collections and enforcement.

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.

Freeze your report:

The company will freeze your consumer report if you

request it.

Website

theworknumber.com

Phone

866-222-5880 or

866-604-6570

Address

Equifax Workforce Solutions

Attn: EDR

3470 Rider Trail South

Earth City, MO 63045

Truework

Collects data to verify employment and income.

Truework is a Zethos, Inc. service.

Free report:

If your employer uses Truework, you can use

Truework to verify your employment and income

information when applying for loans, jobs, and

apartment rentals.

Website

truework.com

Phone

833-878-3967

Address

Truework

325 Pacific Avenue

San Francisco, CA 94111

LIST OF CONSUMER REPORTING COMPANIES

Experian Verify

Provides income and employment verification

information to lenders, employment screeners,

and social service agencies.

Free report:

If your current or past employer is an Experian Verify

client, you can request your information if the

company has a file on you.

Website

experianverify.com

Phone

404-382-5400

Address

P.O. Box 1971

Woodstock, GA 30188

Universal Background Screening

Provides background screening services, social media

screening, and employment and income verification.

Free report:

The company will provide one free report every 12

months if you request it.

Website

universalbackground.com

Phone

877-263-8033 (Option 2)

Address

Universal Background Screening

P.O. Box 5920

Scottsdale, AZ 85261

LIST OF CONSUMER REPORTING COMPANIES

Tenant screening

Tenant screening companies provide information such as credit history, eviction information,

rental payment history, identity verification, income and employment verification, and criminal

background data to landlords, property management companies, and others. A tenant screening

report with negative information in it, such as prior housing evictions, could result in a rejected

lease application, or it could result in approval of the application but with tough conditions

inserted into the lease agreement such as a requirement that you pay months of additional rent in

advance or a higher security deposit. Many tenant screening companies won’t have

information on you unless you apply for rental housing or otherwise authorize a

landlord or property manager to obtain a report from them. However, you should check

in advance for errors in your credit report, since a credit report is a common component of tenant

screening reports. Additionally, if you are rejected as a tenant for a residential property, or

“conditionally accepted” with certain adverse conditions such as requiring a co-signer or a larger

deposit or a higher rent payment than other applicants, the landlord or management company

must provide you with an adverse action notice that includes the name(s) of the consumer

reporting company it used to screen you. Contact the screener(s) to fact-check your information

and dispute suspected inaccuracies as needed. Errors in your tenant screening report shouldn’t

keep you from finding a place to call home. 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 and protections.

AmRent

Provides tenant screening services, including

employment and income verification, to property

management companies and landlords.

Free report:

The company will provide one free report every 12

months if you request it.

Website

amrent.com

Phone

888-898-6196

Address

AmRent Consumer Assistance

PO Box 530091

Atlanta, GA 30353

LIST OF CONSUMER REPORTING COMPANIES

AppFolio, Inc.

Provides tenant screening services to property

management companies and landlords.

Free report:

The company will provide a free screening report if

you request it.

Website

appfolio.com

Phone

866-359-3630

Address

AppFolio Consumer Relations

70 Castilian Drive

Goleta, CA 93117

Contemporary Information Corp. (CIC)

Provides background screening services for

landlords and residential real estate management

companies.

Free report:

The company will provide you with a free report if

there is adverse action as a result of information in

the report. The company will also provide you with

a free disclosure of your “personal unlawful detainer

(eviction) report” every 12 months if you request it.

Website

cicreports.com

Phone

888-316-4242

Address

CIC Consumer Relations

3700 Crestwood Pkwy, #300

Duluth, GA 30096

LIST OF CONSUMER REPORTING COMPANIES

Experian RentBureau

Collects rent payment history data from property

owners and residential real estate managers,

electronic rent payment services and collection

companies, and makes that information available to

the multifamily housing industry through tenant

screening companies. Experian also includes some

positive rent data it receives from 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.

Website

experian.com/rentbureau

Request report form

Phone

877-704-4519

Address

Experian RentBureau

P.O. Box 26

Allen, TX 75013

First Advantage Resident Solutions

Provides tenant screening services for property

managers, owners, and leasing agents.

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 by calling or emailing

consumer.documents@fadv.com.

Website

fadv.com/resident-solutions

Request report form

Phone

800-845-6004

Address

First Advantage Consumer Center

P.O. Box 105292

Atlanta, GA 30348-5292

LIST OF CONSUMER REPORTING COMPANIES

Real Page, Inc. (LeasingDesk)

Provides consumer data, resident screening services

to rental property owners and managers.

Real Page has been acquired by Thoma Bravo LP.

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.

Website

realpage.com

Phone

866-934-1124

Address

LeasingDesk Screening

Attn: Leasing Desk Screening Consumer

Relations

2201 Lakeside Blvd.

Richardson, TX 75082

RentGrow, Inc.

Provides resident screening services to property

owners and managers.

RentGrow is a wholly owned subsidiary of Yardi

Systems, Inc.

Free report:

The company will provide a free screening report if

you request it and if the company has a file on you.

Website

rentgrow.com

Phone

800-898-1351

Address

RentGrow Consumer Relations

117 Huntington Avenue

Suite 1703 #74213

Boston, MA 02115

LIST OF CONSUMER REPORTING COMPANIES

SafeRent Solutions

Provides resident screening and an applicant

resident risk score to property managers and

landlords.

SafeRent Solutions has been acquired by Park

Hill Holdings.

Free report:

The company will provide one free copy of your

SafeRent Solutions consumer file every 12

months if you request it.

Freeze your report:

The company will freeze your consumer report if you

request it.

Website

saferentsolutions.com

Phone

888-333-2413

Address

SafeRent Solutions

Consumer Relations

P.O. Box 3890

Coppell, TX 75019

Screening Reports, Inc.

Provides background screening services to rental

property managers and building owners in the

multifamily housing industry.

Screening Reports, Inc. is a division of BetterNOI.

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.

Website

screeningreports.com

Phone

866-389-4042

Address

Screening Reports, Inc.

220 Gerry Drive

Wood Dale, IL 60191

LIST OF CONSUMER REPORTING COMPANIES

TransUnion Rental Screening Solutions,

Inc. (TransUnion SmartMove)

Provides tenant screening reports, estimated

income insights, resident risk scores, and leasing

recommendations for independent landlords and

residential real estate management companies.

Free report:

The company will provide you with the tenant and

income reports you authorized to landlords if you

request it.

Website

mysmartmove.com

Phone

866-775-0961 (Option 4)

Address

TransUnion Rental Screening Solutions, Inc.

6430 South Fiddlers Green Circle

Suite 500

Greenwood Village, CO 80111

LIST OF CONSUMER REPORTING COMPANIES

Check and bank account

screening

Banks and credit unions use check and bank screening reports to help decide whether to offer you

a checking account or to cash your checks. 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, if the account was closed by the bank,

or if you were suspected of fraud related to the account. If you have been a victim of bank account

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 Payment Solutions, LLC

Collects check writing histories and provides check

and ACH verification services for retail merchants

and gaming establishments who accept checks as

payment.

Free report:

The company will provide one free report every 12

months if you request it.

Website

askcertegy.com

Request report form

Phone

800-237-3826

Address

Certegy Payment Solutions, LLC

Attn: CFDR Request

P.O. Box 908

Grand Junction, CO 81502

LIST OF CONSUMER REPORTING COMPANIES

ChexSystems, Inc.

Provides account verification services primarily for

financial institutions. Collects and reports data on

checking account applications, openings, and

closures, including reasons for account closure.

ChexSystems is owned by the eFunds subsidiary of

Fidelity National Information Services, Inc. (FNIS).

Free report and score:

The company will provide one free report every 12

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.

Website

chexsystems.com

Phone

800-428-9623

Address

ChexSystems, Inc.

Attn: Consumer Relations

P.O. Box 583399

Minneapolis, MN 55458

CrossCheck, Inc.

Provides check verification and guarantee services

primarily for automotive sales and repair, building

supply, home improvement, retail, medical, dental,

and veterinarian industries.

Free report:

The company will provide one free report every 12

months if you request it.

Website

cross-check.com

Phone

800-843-0760

Address

CrossCheck, Inc.

Attn: Consumer Inquiry Department

P.O. Box 6008

Petaluma, CA 94955-6008

LIST OF CONSUMER REPORTING COMPANIES

Early Warning Services, LLC

Assists financial institutions, check acceptance

companies such as retail merchants, payment

processors, and other financial entities in

detecting and preventing fraud associated with

bank accounts and payment transactions.

Early Warning is co-owned by Bank of America,

Truist, Capital One, JPMorgan Chase, PNC Bank,

U.S. Bank and Wells Fargo.

Free report:

The company will provide one free report every 12

months if you request it. If you received

communications from Wells Fargo and want to ensure

unauthorized accounts have been removed from your

Early Warning files visit:

earlywarning.com/wellsfargo.

Website

earlywarning.com

Phone

800-745-1560

Address

Early Warning

Attn: Consumer Services Department

16552 North 90

Street

Scottsdale, AZ 85260

Global Payments Check Services LLC

Provides check screening and verification services

for various consumer-facing industries.

Free report:

The company will provide one free report every 12

months if you request it.

Website

globalpayments.com

Phone

800-638-4600 (Ext. 410)

Address

Global Payments Check Services LLC

Attn: FACT ACT Support

P.O. Box 480357

Niles, IL 60714-0357

LIST OF CONSUMER REPORTING COMPANIES

TeleCheck Services, Inc.

Assists retailers, financial institutions and other

businesses in reducing fraud and other risks

associated with accepting payments and opening

accounts using check writing, and other checking

account related information.

TeleCheck is a wholly-owned subsidiary of Fiserv

Inc.

Free report:

The company will provide one free report every 12

months if you request it.

Website

firstdata.com/telecheck

Phone

800-366-2425

Address

TeleCheck Services, Inc.

Attn: Consumer Resolution Services

P.O. Box 6806

Hagerstown, MD 21741-6806

LIST OF CONSUMER REPORTING COMPANIES

Personal property insurance

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

A-PLUS Property (by Verisk)

Collects and reports insurance claims and loss

history associated with homes, auto or personal

property.

A-PLUS Property is a subsidiary of Verisk

Analytics, Inc.

Free report:

The company will provide one free report every 12

months if you request it.

Website

verisk.com

Phone

800-627-3487 (Option 2) or

800-709-8842

Address

Verisk Insurance Solutions

Consumer Inquiry Center

P.O. Box 5404

Mt. Laurel, NJ 08054

Drivers History

Provides reports to help its insurance clients

underwrite policies and investigate insurance

claims. These reports contain information and data

collected from open public sources and government

agencies regarding driving violations issued to

specific individuals. Clients that are employers or

potential employers can also use these reports to

help determine whether someone qualifies, or

remains qualified, for a particular job.

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 and you request the report within 60

days of receiving the adverse action notice.

Website

drivershistory.com

Phone

855-694-1555

Address

Drivers History

Consumer Relations

P.O. Box 600

Woodlyn, PA 19094

LIST OF CONSUMER REPORTING COMPANIES

Insurance Information Exchange (iiX)

Collects and reports motor vehicle records,

including traffic violation data to insurance

providers and prospective employers. The company

also provides employment and education

verification services, government sanctions

searches, and criminal background checks.

Insurance Information Exchange is a subsidiary of

Verisk Analytics, Inc.

Free report:

The company will provide a free report if there is

adverse action as a result of information in the

report.

Website

iix.com

Request report form

Phone

800-683-8553 (Option 6)

Address

Insurance Information Exchange (iiX)

Attn: Compliance Dept.

1574 Crescent Pointe Pkwy

College Station, TX 77845

LexisNexis C.L.U.E. (Auto & Property

Reports)

LexisNexis C.L.U.E. (Comprehensive Loss

Underwriting Exchange) is a claims information

exchange. It collects and reports up to seven

years of auto and personal property claims. It

also provides insurance risk scores to help

inform pricing and underwriting decisions for

the insurance industry.

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.

Website

risk.lexisnexis.com

Request security freeze (click

on “U.S. Consumer Reports”)

Phone

866-897-8126

Address

LexisNexis Risk Solutions

Consumer Center

P.O. Box 105108

Atlanta, GA 30348-5108

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. Generally, if you haven’t applied for

individual life or health insurance at an insurance company that uses services from the listed

company, the company won’t have a consumer report for you to request.

MIB, Inc.

Collects information about medical conditions and

hazardous avocations with your authorization. It

reports this information to life and health

insurance companies to assess your risk and

eligibility during the underwriting of individual

(rather than as a member of a group) life, health,

disability income, critical illness, and long-term

care insurance policies.

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

Free report:

If the company has a file about you, it will provide

one free report every 12 months if you request it.

Website

mib.com

Phone

866-692-6901

Address

MIB, Inc.

50 Braintree Hill Park

Suite 400

Braintree, MA 02184-8734

Milliman IntelliScript

Collects prescription drug purchase history for

quantifying the relative mortality risk of life

insurance applicants and provides risk scores for

underwriting decisions.

Free report:

The company will provide a free copy of your report

if they have one and if you request it.

Website

rxhistories.com

Phone

877-211-4816

Address

Milliman IntelliScript

P.O. Box 2223

Brookfield, WI 53008

LIST OF CONSUMER REPORTING COMPANIES

Low-income and subprime

Clarity Services, Inc.

Collects and provides information on payday loans,

installment loans, auto loans (and leasing), check

cashing services, rent-to-own transactions,

telecommunication account openings, and

financial services with an emphasis on the lower-

income and subprime consumer market segments.

Clarity Services is owned by Experian.

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 score if you request it.

Freeze your report:

The company will freeze your consumer report if

you request it.

Website

clarityservices.com

Phone

866-390-3118 (Option 1 for security freeze;

Option 4 for report request)

Address

Clarity Services, Inc.

Consumer Support Division

P.O. Box 16

Allen, TX 75013

DataX

Collects and provides consumer payment history

on payday and installment loans, subprime

credit cards and other specialty loans.

DataX is owned by Equifax.

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 by mail.

Website

datax.com

Phone

800-295-4790

Address

DataX, Ltd.

P.O. Box 740125

Atlanta, GA 30374

LIST OF CONSUMER REPORTING COMPANIES

FactorTrust

Collects loan performance information on

nonprime consumers to provide predictive credit

data, analytics and risk scoring solutions to short-

term lenders, installment lenders, nonprime auto

lenders (and leasing companies) and other

subprime credit providers.

FactorTrust is owned by TransUnion.

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.

Website

factortrust.com

Phone

844-773-3321

Address

FactorTrust, Inc.

Attn: Consumer Inquiries

P.O. Box 390

Woodlyn, PA 19094

MicroBilt

Collects recurring bill repayment data, such as

monthly billing data from rent, utility, phone plans,

car insurance, and streaming media subscriptions

to generate consumer credit reports and risk scores

for businesses that offer short term, rent-to-own,

auto, retail and consumer finance lending.

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.

Website

microbilt.com

Request report

Phone

888-222-7621 or

800-884-4747 (Option 5)

Address

MicroBilt

Attn: Consumer Affairs Department

P.O. Box 440693

Kennesaw, GA 30160

LIST OF CONSUMER REPORTING COMPANIES

Teletrack

Collects consumer information about, and provides

data to, payday lenders, rent-to-own businesses,

furniture stores that offer financing, auto finance

and leasing companies, high risk consumer finance

businesses, subprime home lending businesses,

subprime credit card issuers, banks, credit unions,

cable/telecom companies and debt

buyers/collectors.

Teletrack is an Equifax company.

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.

Website

consumers.teletrack.com

Phone

877-309-5226

Address

Teletrack

P.O. Box 740008

Atlanta, GA 30374

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

that the nationwide consumer reporting companies sell about you.

Advanced Resolution Services

Collects information about consumers’ approved

and declined bankcard applications.

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.

Website

ars-

consumeroffice.com

Request security freeze

Phone

800-392-8911

Address

Advanced Resolution Services, Inc.

P.O. Box 4000

Conway, AR 72033

CoreLogic Credco

Collects and reports personal data such as property

ownership and home loan obligation records;

property legal filings and tax payment status; rental

applications and collection accounts; consumer

bankruptcies, liens, judgments, and child support

obligations.

Free report:

The company will provide one free report every 12

months if you request it.

Website

corelogic.com/credco

Phone

800-637-2422

Address

Credco

Consumer Services Department

P.O. Box 509124

San Diego, CA 92150

LIST OF CONSUMER REPORTING COMPANIES

Innovis

Provides identity verification data to assist with

fraud detection and prevention.

Innovis is a subsidiary of CBC Companies. Inc.

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.

Website

innovis.com

Request security freeze

Phone

800-540-2505 or

866-712-0021

Address

Innovis Consumer Assistance

P.O. Box 530089

Atlanta, GA 30353-0089

LexisNexis Risk Solutions

Collects information from public records and

multiple proprietary data sources. This includes

items such as real estate transaction and ownership

data, lien, judgment, and bankruptcy records,

professional license information, and historical

addresses on file.

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.

Website

risk.lexisnexis.com

Request security freeze (click

on “U.S. Consumer Reports”)

Phone

866-897-8126

Address

LexisNexis Risk Solutions

Consumer Center

P.O. Box 105108

Atlanta, GA 30348-5108

LIST OF CONSUMER REPORTING COMPANIES

SageStream, LLC

Collects information from, and provides

supplementary consumer reports to, auto lenders,

credit card issuers, retailers, utilities and mobile

phone service providers among other service

providers.

SageStream is owned by 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.

Website

sagestreamllc.com

Phone

888-395-0277

Address

SageStream, LLC

LexisNexis Risk

Solutions Consumer

Center

P.O. Box 105108

Atlanta, GA 30348-5108

LIST OF CONSUMER REPORTING COMPANIES

Utilities

National Consumer Telecom & Utilities

Exchange (NCTUE)

This membership of companies collects and shares

information on new telecom and utility connect

requests, paid-as-agreed and past-due account and

payment histories including delinquencies and

charge-offs, associated with telecommunications,

pay TV, and utility (electric, gas, water) services.

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.

Website

nctue.com

Phone

866-349-5185

866-343-2821 (dispute)

866-349-5355 (security freeze)

Address

NCTUE Disclosure Report

Exchange Service

Center - NCTUE

P.O. Box 105161

Atlanta, GA 30348

Security Freeze

Exchange Service

Center - NCTUE

P.O. Box 105561

Atlanta, GA 30348

LIST OF CONSUMER REPORTING COMPANIES

Retail

The Retail Equation

Monitors and reports to merchants retail product

return and exchange suspected fraud and abuse.

The Retail Equation is owned by Appriss, Inc.

Free report:

The company will provide a free report if you request

it.

Website

theretailequation.com

Phone

800-652-2331

Address

The Retail Equation

P.O. Box 51373

Irvine, CA 92619-1373

LIST OF CONSUMER REPORTING COMPANIES

Gaming

NCC (National Cred-A-Chek, Inc.)

Provides consumer data to help gaming

establishments manage credit and fraud risks.

NCC is owned by NRT Technology Corp.

Free report:

The company will provide one free report every

12 months if you request it.

Website

nccreports.com

Phone

800-421-2168

Address

National Cred-A-Chek

3770 4

Ave

San Diego, CA 92103

VIP Preferred

Provides consumer data to assist casinos and other

gaming establishments such as racetracks to manage

the risk associated with check-cashing settlement

services to consumers.

VIP Preferred is a Global Payments solution.

Free report:

The company will provide one free report every 12

months if you request it.

Website

vippreferred.com

Phone

800-638-4600 (Ext. 410)

Address

Global Payments Gaming

Services, Inc.

Attn: FACT ACT Support

P.O. Box 480357

Niles, IL 60714-0357