List of Consumer Reporting Companies

CONSUMER FINANCI AL PROTECTION BUREAU | 2021

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

How to request a report ........................................................................................................ 5

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 .................................................... 7

We’re here if you have complaints about your consumer reports................................................ 7

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

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

Tenant screening ....................................................................................................................17

Check and bank screening ...................................................................................................22

Personal property insurance ................................................................................................26

Medical .....................................................................................................................................29

Low-income and subprime ...................................................................................................30

Supplementary reports ..........................................................................................................33

Utilities .....................................................................................................................................35

Retail.........................................................................................................................................36

Gaming .....................................................................................................................................37

LIST OF CONSUMER REPORTING COMPANIES

Introduction

Below is a list of with information about many consumer reporting companies, updated for

2021.

Consumer reporting companies collect your information and provide reports to other

companies. 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 others that focus on certain market areas and consumer segments. 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 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, 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)

check screening

)

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

(

This list is current as of January 2021. It includes entities that have identified themselves as consumer reporting

companies or have indicated they provide consumers access to their personal consumer reports when requested. The

list incorporates information from the companies’ own self-descripti ons that has not b een 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

 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 debt 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 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

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. Or you are approved, but must pay a higher

interest rate than other consumers or meet any number of costly preconditions, such as placing a

security deposit on a phone plan. 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 are accurate and

complete. 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

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

no less than 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 2021, the maximum allowable

fee is $13.00). Requesting copies of your own

consumer reports does not hurt your credit scores. For companies required to 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 largest three 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 lenders 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.

LIST OF CONSUMER REPORTING COMPANIES

Know when to check a report

Lending standards have tightened over the past year. Many banks have increased minimum

required credit scores and tightened loan terms.

In this market, you should be vigilant about

managing your credit standing. 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 rent, or purchase with credit,

a home or car, 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 nationwide consumer reporting agencies through April 2021. 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, 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 best to check those reports in the sections below as appropriate.

Data breaches are an unfortunate reality. Scammers are also taking advantage of the pandemic to

con people, and also engage in identity theft, for example, to steal unemployment benefits. It’s

another reason to check your consumer reports regularly. If you have been, or fear you may

become, a victim of identity theft, you can also consider blocking third-party access to your

consumer reporting data through a security “

freeze.” Below we tell you which company websites

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

reporting data for certain purposes. See also our

resources to avoid pandemic related scams.

Finally, be aware of additional options

to take greater control of your consumer reporting data,

including to opt-out from credit and insurance direct marketing you might not want to receive, and

conversely what 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, and by clicking-on the

hyperlinks we provide. As the FTC says, “

no service can protect you from having your personal

information stolen.”

See Federal Reserve, Senior Loan Officer Opinion Survey (Oct. 2020), available at

https://www.federalreserve.gov/data/sloos/sloos-202010.htm

LIST OF CONSUMER REPORTING COMPANIES

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.

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

remove it. If a company or individual claims that they can remove negative information, or even

“sweep clean” your entire credit history, but 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, and if you believe your consumer report was used improperly. We also assist 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.

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:

 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:

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

nationwide consumer reporting agencies through April 2021. 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

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 3)

 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

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

Provides background screening services.

Free report:

The company will provide one free report if you request

and if the company has a file on you.

Website

accurate.com

Phone

800-216-8024

Address

Accurate Background, Inc.

7515 Irvine Center Drive

Irvine, CA 92618

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.

Website

adpselect.com

Phone

800-367-5933

Address

ADP Screening & Selection Services, Inc.

301 Remington Street

Fort Collins, CO 80524

LIST OF CONSUMER REPORTING COMPANIES

backgroundchecks.com

Provides background screening services.

backgroundchecks.com is affiliated with

HireRight

Website

backgroundchecks.com

Phone

866-265-6602

Address

backgroundchecks.com

Attn: Consumer Relations

Department

P.O. Box 353

Chapin, SC 29036

Checkr

Provides background screening services.

Free report:

The company allows consumers to review their

reports via its

Applicant Portal if the company has a

file on you.

Website

checkr.com

Phone

844-824-3257

Address

One Montgomery Street, Suite 2000

San Francisco, CA 94104

EmpInfo

Verifies and provides employment and income

information to employers, lenders, rental housing

managers and social benefits 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 services.

First

Advantage

has been acquired by Silver Lake.

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

General

Information Services, Inc. (GIS)

Provides background screening services.

General Information Services has merged with

HireRight.

Free report:

The company will provide a free report if you request

it and the company has a file on you.

Website

GenInfo.com

Phone

866-265-4917 (Option 1)

Address

General Information Services

Consumer Relations Department

917 Chapin Road

P.O. Box 353

Chapin, SC 29036

HireRight

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

HireRight.com

Phone

800-381-0645

Address

HireRight

Attn: Consumers Department

14002 E. 21st Street,

Suite 1200

Tulsa, OK 74134

LIST OF CONSUMER REPORTING COMPANIES

Info Cubic

Provides background screening services.

Free report:

The company will provide one free report every 12

months if you request it.

Website

Infocubic.com

Request report form

Phone

877-360-4636

303-220-0169

Address

Info Cubic, LLC

Attn: Applicant Services

116 Inverness Dr. East

Suite 206

Englewood, CO 80112

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

Request report form

Phone

866-202-1436 or 888-946-8355

Address

IntelliCorp Records, Inc.

Attn: Compliance Department

3000 Auburn Drive, Suite 410

Beachwood, OH 44122

LIST OF CONSUMER REPORTING COMPANIES

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, LLC

Attn: Compliance

PO Box 549

Columbus, OH 43216-0549

Pre-employ.com

Provides background screening services.

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

Address

Pre-employ.com, Inc.

Attn: Compliance Department

P.O. Box 491570

Redding, CA 96049

Sterling

Provides background screening 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

Truework

Collects data to verify employment and

income.

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

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 social service eligibility, 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

Request a report form

Phone

866-604-6570 (Option 1)

Address

Equifax Workforce Solutions

Attn: EDR

3470 Rider Trail South

Earth City, MO 63045

LIST OF CONSUMER REPORTING COMPANIES

Universal Background Screening

Provides background screening services 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, Post Office Box 5920,

Scottsdale, AZ 85261

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 and protections

AmRent

Provides background screening services for

property management companies and real estate

related businesses. Information includes eviction,

credit reporting, identity verification, and

criminal background data.

Free report:

The company will provide one free report every 12

months if you request it.

Website

amrent.com/services.html

Phone

888-898-6196

Address

AmRent Consumer

Assistance

PO Box 3027

Pittsburgh, PA 15230

LIST OF CONSUMER REPORTING COMPANIES

AppFolio

Provides tenant screening services to property

managers. Information includes credit

information, income verification, eviction, and

criminal background data.

Free report:

The company will provide a free screening report if

you request it.

Website

appfolio.com/consumer

Phone

866-359-3630

Address

Consumer Relations

50 Castilian Drive

Goleta, CA 93117

Contemporary Information Corp. (CIC)

Conducts background screening services for

landlords and residential real estate management

companies. Information includes eviction and

criminal background data.

Free report:

The company will provide one free report pertaining

to their national eviction record database every 12

months if you request it.

Website

CICreports.com

Phone

800-288-4757 (Option 1)

Address

CIC Consumer Relations

42913 Capital Drive

Unit 101

Lancaster, CA 93535

LIST OF CONSUMER REPORTING COMPANIES

CoreLogic Rental Property Solutions

Collects and reports comprehensive information

out landlord-tenant actions (such as prior

evictions), address history, public background check

(to identify prior criminal and court judgments,

including prior prison sentences, presence on

government-managed sex offender and known

terrorist databases). CoreLogic Rental Property

Solutions has recently been acquired by Park Hill

Holdings.

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

rental.corelogic.com

Request report form

Request security freeze

Phone

800-815-8664 (Option 1) or

888-333-2413 (Option 1)

Address

CoreLogic Rental Property Solutions, LLC

Consumer Relations Department

P.O. Box 509124

San Diego, CA 92150

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

scre

ening reporting 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

LIST OF CONSUMER REPORTING COMPANIES

First Advantage Corporation Resident

Solutions

Provides background

screening services. First

Advantage

has been acquired by Silver Lake.

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

Request report form

Phone

800-845-6004

Address

First Advantage Consumer Center

P.O. Box 105292

Atlanta, GA 30348-5292

Real Page, Inc. (LeasingDesk)

Provides consumer data and

“AI-enabled” risk

scores, with a focus on identity verification, tenant

history (rent payments and evictions), check writing

history, as well as

criminal public record searches for

property

-, animal-, violence-, and fraud-related

criminal activity.

Real Page is being 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: Consumer Relations

2201 Lakeside Blvd.

Richardson, TX 75082

LIST OF CONSUMER REPORTING COMPANIES

Screening Reports, Inc.

Provides background screening services to the

multifamily housing industry. Offers screening

services for affordable, conventional and student

housing properties. Services consist of previous

rental verification and employment verification,

consumer credit reports, landlord tenant eviction

reports, criminal reports, sex offender reports,

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.

Website

ScreeningReports.com

Phone

866-389-4042

Address

Screening Reports, Inc.

220 Gerry Drive

Wood Dale, IL 60191

TransUnion Rental Screening

Solutions, Inc. (TransUnion

SmartMove)

Provides tenant screening reports, and estimated

income, 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

888-387-1750 (Option 4) or

866-775-0961 (Option 4)

Address

TransUnion Rental Screening Solutions,

Inc.

6430 South Fiddlers Green Circle Suite 500

illage, CO 80111

Website

mysmartmove.com

Phone

888-387-1750 (Option 4) or

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 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

Collects check writing histories and provides check

screening services primarily 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

Phone

800-237-3826

Address

Certegy Check Services

Attn: CFDR Request

P.O. Box 30046

Tampa, FL 33630-3046

LIST OF CONSUMER REPORTING COMPANIES

ChexSystems

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

affiliated with affiliated

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

Request report form

Request score form

Security freeze information

Security freeze form

Phone

800-428-9623 or

800-513-7125

Address

ChexSystems, Inc.

Attn: Consumer Relations

7805 Hudson Road, Suite 100

Woodbury, MN 55125

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

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 compan

y will provide one free report every

12 months if you request it.

Website

Earlywarning.com

Phone

800-325-7775 (Option 4)

Address

Early Warning

Attn: Consumer Services Department

16552 North 90

Street

Scottsdale, AZ 85260

Global Payments Check Services, Inc.

Provides check screening and verification

services for various consumer

-facing industries.

Free report:

The company will provide one free report every

months if you request it.

Website

Globalpaymentsinc.com

Phone

800-638-4600, (Option 2)

Address

Global Payments Check Services, Inc.

Attn: FACT ACT Support

P.O. Box 59371

Chicago, IL 60659

LIST OF CONSUMER REPORTING COMPANIES

TeleCheck Services

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

getassistance.telecheck.com

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

A-Plus Property/Verisk.com

Phone

800-627-3487 (Option 2)

Address

Verisk Insurance Solutions

Consumer Inquiry Center

P.O. Box 5404

Mt. Laurel, NJ 08054

LIST OF CONSUMER REPORTING COMPANIES

LexisNexis C.L.U.E.

(Auto & Property

Reports)

LexisNexis

C.L.U.E. (Comprehensive Loss

Underwriting Exchange)

is a claims history

information exchange

. It collects and reports

up to seven years of

auto and personal property

claims

respectively. Data provided include

policy information such as name, date of birth

and policy number

; and claim information such

as date of loss, type of loss and amounts paid,

and property information.

Lexis

Nexis 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

consumer.risk.lexisnexis.com

Request security freeze (click on

“U.S. Consumer Reports”)

Phone

888-497-0011

Address

LexisNexis Risk Solutions

Consumer Center

P.O. Box 105108

Atlanta, GA 30348-5108

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.

Insurance Information Excha

nge 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

866-560-7015

Address

Insurance Information Exchange (iiX)

Attn: Compliance

1716 Briarcrest Drive, Suite 200

Bryan, TX 77802

Drivers History

Provides reports to its insurance clients containing

information and data collected from open public

sources and governmental 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.

Website

DriversHistory.com

Phone

855-694-1555

Address

Drivers History

Consumer Relations

P.O. Box 600

Woodlyn, PA 19094

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.

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. Generally, you will not

have an MIB consumer report unless you applied

for individually underwritten life or health

insurance at an MIB member insurance company

within the past seven years.

MIB, Inc. is a su

bsidiary of MIB Group, Inc.

Free report:

The company will provide one free report every 12

months if you request it.

Website

MIB.com

Request report form

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

. 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.

Otherwise,

Milliman will have no information.

Website

RxHistories.com

Request report form

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

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 risk score if you request it.

Freeze your report:

The company will freeze your consumer report if

you request it.

Website

ClarityServices.com

Request score

Request security freeze

Phone

866-390-3118 (Option 1 for security

freeze; Option 4 for report request).

Address

Clarity Services, Inc.

P.O. Box 5717

Clearwater, FL 33758

LIST OF CONSUMER REPORTING COMPANIES

CoreLogic 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.

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.

Website

CoreLogic.com/teletrack

Request report

Request security freeze

Phone

877-309-5226

Address

CoreLogic Teletrack

P.O. Box 509124

San Diego, CA 92150

Attn: Consumer Disputes Department

DataX

Collects and provides payment history regarding

subprime

consumers.

Equifax

owns DataX.

Free report:

The company will provide one free report every 12

months if you request it.

Website

DataX.com

Phone

800-295-4790 (Option 1)

Address

DataX, Ltd.

7582 Las Vegas Blvd.

Suite 693

Las Vegas, NV 89123

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

Request security freeze

Phone

844-773-3321

Address

FactorTrust, Inc.

Attn: Consumer Inquiries

P.O. Box 3653

Alpharetta, GA 30023

MicroBilt / PRBC

Provides consumer credit information, bill

payment information, employment information,

bank account

data, property records, court

judgments, address and phone information on low

income and subprime consumers to businesses

that offer short term, rent

-to-own, auto, retail and

consumer finance

lending.

Free report:

The company will provide one free

report 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.

Website

MicroBilt.com

Request report

Phone

888-222-7621

Address

MicroBilt / PRBC

Attn: Consumer Affairs Department

P.O. Box 440693

Kennesaw, GA 30160

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

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

bankrupt

cies, liens, judgments, and child support

obligations.

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

CoreLogic.com/Credco

Request security freeze

Phone

877-532-8778

Address

CoreLogic Credco, LLC

P.O. Box 509124

San Diego, CA 92150

Innovis

Provides ID verification data to assist with fraud

detection and prevention.

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

Address

Innovis Consumer Assistance

P.O. Box 1689

Pittsburgh, PA 15230-1689

LIST OF CONSUMER REPORTING COMPANIES

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 c

ompany will freeze your consumer report if

you request it.

Website

consumer.risk.lexisnexis.com

Request security freeze (click

on “U.S. Consumer Reports”)

Phone

888-497-0011

Address

LexisNexis Risk Solutions Consumer

Center

P.O. Box 105108

Atlanta, GA 30348-5108

SageStream

(subsidiary of ID Analytics, LLC)

This reporting company 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 a subsidiary of ID

Ana

lytics.

ID Analytics is

owned by LexisNexis Risk

Solutions.

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.

Website

SageStream

Request report

Request score

Request security freeze

Phone

888-395-0277

Address

SageStream, LLC

Consumer Office

P.O. Box 503793

San Diego, CA 92150

LIST OF CONSUMER REPORTING COMPANIES

Utilities

National Consumer Telecom & Utilities

Exchange (NCTUE)

This membership of companies collects

information on new telecom and utility connect

requests, account and payment histories

including delinquencies and charge-offs,

associated with telecommunications, pay TV, and

utility (electric, gas, water) services to help

companies in these industries manage customer

relations.

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 (for security freeze)

Address

NCTUE Disclosure Report

Exchange Service

Center - NCTUE

P.O. Box 105161

Atlanta, GA 30348

NCTUE 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 fraud and abuse.

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

CentralCredit

Provides specialized gaming credit reports to

facilitate the credit-granting decision process

for casino operators. The service includes real-

time updates to casino activity and

international gaming credit data.

CentralCredit is a subsidiary of Everi Holdings

Inc.

Free report:

The company will provide one free report

monthly through April 2021 if you request it.

Website

everi.com/central-credit

Phone

888-898-8021

Address

CentralCredit, LLC

7250 S Tenaya Way Ste 100

Las Vegas, NV 89113-2175

LIST OF CONSUMER REPORTING COMPANIES

Website

nccreports.com

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

Provides consumer data to help gaming

establishments manage credit and fraud risks.

NRT Technology Corp. owns NCC.

Free report:

The company will provide one free report every

12 months if you request it.

Phone

800-421-2168

Address

NCC

3770 4

Ave

San Diego, CA 92103-4203

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.

Free report:

The company will provide one free report every

12 months if you request it.

Website

vippreferred.com

Phone

800-638-4600, (Option 2)

Address

Global Payments Gaming Services, Inc.

Attn: FACT ACT Support

P.O. Box 59371

Chicago, IL 60659