List of Consumer Reporting Companies

CONSUMER FINANCI AL PROTECTION BUREAU | 2020

List of Consumer

Reporting Companies

LIST OF CONSUMER REPORT ING COMPANIES

Table of Contents

Table of Contents ............................................................................................................. 2

Introduction ....................................................................................................................... 3

Who can see your consumer reports? ......................................................................... 3

You can get rejected without warning .......................................................................4

How to request a report?............................................................................................4

You can get your report from most of the companies in this list for free........................ 5

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

You have the right to dispute the information in y our reports ...................................... 6

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

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

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

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

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

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

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

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

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

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

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

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

LIST OF CONSUMER REPORT ING COMPANIES

Introduction

Below is a list of consumer reporting companies updated for 2020.

Consumer reporting

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

companies use these reports to inform decisions about providing you with credit, employment,

residential rental housing, insurance, and in other decision-making situations. The list below

includes the three nationwide consumer reporting companies and several other reporting

companies that focus on certain market areas and consumer segments. The list gives you tips so

you can determine which of these companies may be important to you. It also makes it easier for

you to take advantage of your legal rights to (1) obtain the information in your consumer reports,

and (2) dispute suspected inaccuracies in your reports with companies as needed.

Who can see your consumer reports?

Consumer reporting companies must follow legal restrictions but generally can provide consumer

reports and risk scores

to an array of businesses, including:

 Lenders (including those that offer credit cards, home, pay day, personal, title, auto

including auto leasing, student loans, and security deposit financing and lease guarantees

on home rentals)

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

government assistance (employment screening)

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

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

(check screening

)

This list is current as of January 2020. It inc ludes entities t hat have identified themselves as consumer reporting

com panies or have indicated they provide c onsumers a ccess to t heir personal consumer reports when requested. T he

list incorporates information from the companies’ own self-descriptions that has not been independently verified by

t h e Bureau. This list does not c over ev ery com pany in t he i ndustry. It is n ot intended to be all-inclusive. Nor does it

r eflect determinations a s t o w hether any particular entity is subject t o the Fair C redit Reporting Act

. Furthermore,

pr esence on, or absence from , this l ist does not indicate whether the consumer r eporting c om pany i s subject t o the

Bureau’s supervisory or enforcement authority. To prov ide your suggested c orrecti ons or additions t o the list, contact

th e Bureau at

CFPB_CCPD2@cfpb.gov and include “Consumer Reporting Company List” in the subject line.

LIST OF CONSUMER REPORT ING COMPANIES

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

consumers and subprime credit applicants, such as short-term lending and rent-to-own

businesses among others

 Debt buyers and collectors

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

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

 Retail stores for product return fraud and abuse screening as well as retail stores that offer

financing such as appliance and rent-to-own businesses, among others

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

You can get rejected without warning

With the exception of employment screening, users of consumer reports generally do not warn

you in advance if they are about to take an adverse action against you based in whole or in part on

your consumer report. Outside of employment screening, adverse action notifications are

provided after the fact, say, when maybe it’s too late and you have already been

rejected for a

loan, residential rental property or auto lease. The accuracy and completeness of your consumer

reporting data, therefore, is extremely important.

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

complete. The first step is to request your consumer reports from the consumer reporting

companies you think might be important to you. The second step is to review your reports closely.

The third step is to dispute suspected inaccuracies as needed. This Introduction describes these

steps in detail, and also provides helpful information about how you can take greater control over

your consumer reporting data.

How to request a report?

Under the federal Fair Credit Reporting Act (FCRA), all consumer reporting companies are

required to provide you a copy of the information in your report if you request it. Many must do

so every twelve months for free upon your request. Additionally, they must give you a free copy of

your information if you request it after an adverse action is taken against you based on

information in your report from that company and under other

specific circumstances. All

consumer reporting companies must provide you with a copy of your information for a

reasonable fee (for calendar year 2020, the maximum allowable

fee is $12.50). Requesting copies

of your own consumer reports does not hurt your credit scores. For companies required to

LIST OF CONSUMER REPORT ING COMPANIES

provide the information in your report for free annually upon request, they must do so within

fifteen days of receiving your request.

Not every consumer reporting company will have information on every consumer. A reporting

company that specializes in insurance claim data, for example, will likely not have information

about you if you have never filed an insurance claim. Also, some consumers with limited and/or

out-of-date credit histories (sometimes known as “credit invisibles”) may not have enough

information for credit reporting companies to have reports about them. You may be one of those

consumers, although if you are making purchases using credit, or if you have credit that is

delinquent and is being reported on your credit reports by a debt collector, it’s unlikely.

You can get your report from most of the companies in this list for

free

Most consumer reporting companies – especially the bigger nationwide companies – will provide

your information to you for free. We tell you which do. A few companies in the list will also

provide you with a free risk score if you request it. We tell you which of those do as well.

Finally, your financial service providers might also provide you with free access to risk scores

Frequently these are the same scores they use to manage their credit relationships with you.

Upon review of this list and the helpful web links in it, you might decide that exercising your free

legal rights and taking advantage of free services are sufficient for your needs. Think carefully

about

paid credit monitoring. There are so many different kinds of scores available in today’s

marketplace, the credit scores and reports you buy or obtain from a third party website might

not be the ones lenders use to make decisions about you.

To order your report from a company listed below, click on the company link we provide. Some

companies have separate forms for requests by postal mail. We provide links to those forms for

you.

LIST OF CONSUMER REPORT ING COMPANIES

Know when to check a report

It’s important to fact-check your consumer credit reports from the three nationwide consumer

reporting companies (Equifax, T ransUnion, Experian) every twelve months to ensure they are

accurate and complete

, especially if you intend to purchase a home or car with credit, or otherwise

intend to apply for credit in the future. By virtue of a 2019 legal settlement, you can now also get

six additional free Equifax credit reports per year, as we describe below. Roughly 90% of

consumers with credit files aren’t taking advantage of the free benefit to request their credit

reports.

There isn’t just “one” credit risk score, so it’s important to focus on the reporting

information itself from which risk scores are derived. If you are applying for a job, to rent a home,

or insurance policy, also fact-check your background screening reports to ensure there are no

errors.

We give you detailed tips on when best to check those reports in the sections below as

appropriate.

Data breaches are an unfortunate reality. If you have been, or fear you may become, a victim of

identity theft, fact-check your reports and consider blocking third-party access to your consumer

reporting data through a security “freeze.” Below we tell you which company websites offer

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

reporting data for certain purposes.

Finally, be aware of your options

to take greater control of your consumer reporting data,

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

want to receive. There are also steps you can take to help keep your personal information secure.

These steps may include enrolling in identity theft protection services. However, it’s important to

understand the limits of identity theft protection services, and to consider the free alternatives

described herein, and by clicking-on the hyperlinks we provide. As the FTC says, “

no service can

protect you from having your personal information stolen.”

You have the right to dispute the information in your reports

If you find information in your consumer report that you believe is inaccurate or incomplete, you

have the legal right to dispute the report’s content with the consumer reporting company and the

company that shared the information to the reporting company, such as your lender. Under the

FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute. The

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

consumer reporting companies to whom it provided the inaccurate information.

See Con sumer Fin. Prot. Bu reau, Consumer Vo ices on Credit Reports and Scores, at 7 (Feb. 2015), available at

h t tps://www.consumerfinance.gov /data-research/research-reports/consumer-v oices-on-credi t-reports-and -scores.

LIST OF CONSUMER REPORT ING COMPANIES

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

remove it. Some may claim that they can remove negative information, or even “sweep clean”

your entire credit history, but if the information in your report is accurate and current

–

beware! – it’s probably a credit repair scam.

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

same error in more than one report. You can also submit a complaint to us. We will forward your

complaint to the company and work to get you a response.

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

We handle consumer reporting complaints about report accuracy and completeness errors, and

other consumer reporting topics, such as, if you are dissatisfied with a company’s investigation of

an earlier

dispute, if you believe your consumer report was used improperly, if you have problems

getting access to your own consumer reports, or if you are dissatisfied with consumer reporting

products and services provided to you, such as credit monitoring and identity protection services

including security freeze, fraud alert and active duty alert requests. We also handle complaints

about

credit repair services. We help consumers connect with financial companies to understand

issues, fix errors, and get direct responses about problems.

LIST OF CONSUMER REPORT ING COMPANIES

Nationwide consumer reporting

companies

Equifax, TransUnion, and Experian

These are the three big nationwide providers of

consumer reports.

W e bsi te

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:

Each of these companies will provide one free credit report every 12 months if you request it. As a

result of a 2019 settlement

, all U.S. consumers may also request up to six free copies of their Equifax

credit report during any twelve-month period. These free copies will be provided to you in addition to

any free reports to which you are entitled under federal law.

LIST OF CONSUMER REPORT ING COMPANIES

AnnualCreditReport.com will route you to any of the three companies you select. Before giving you

a copy of your report, each company will ask you a few detailed questions to authenticate your

identity. These questions are designed to be those only you can answer. They might be questions

such as asking you to verify information about an existing or closed loan. The question could ask

you to identify a street address where you have never lived and you would respond that it was not

an address where you lived. The purpose of these questions is to protect the security of your

information.

If you run into difficulty getting your free Equifax, TransUnion, or Experian annual credit report(s)

from AnnualCreditReport.com

or its toll-free phone number provided above, try contacting the

respective institution(s) directly for help:

 Equifax, (866) 349-5191 (Option 1)

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

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

Freeze your report:

Each of these companies offers you the option to freeze your report with them if you request it. By

law each must freeze and unfreeze your credit file for free if you request it. You also can get a free

freeze for your children who are under 16. If you are someone’s guardian, conservator or have a

valid power of attorney, you can get a free freeze for that person, too. Below is each company’s

freeze contact information:

 Equifax,

(800) 349-9960 (Automated, Option 1) or (888) 298-0045 (Live)

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

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

Equifax, TransUnion, and Experian will provide free credit monitoring services to active duty

servicemembers and to National Guard members, by visiting the active military web pages of each

company:

 Equifax Active Military

 TransUnion Active Military

 Experian Active Military

LIST OF CONSUMER REPORT ING 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 backgro

und screening services.

Free report:

The company will provide one free report if you request

and if the company has a file on you.

W e bsi te

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

W e bsi te

adpselect.com

Phone

800-367-5933

Address

ADP Screening & Selection Services, Inc.

301 Remington Street

Fort Collins, CO 80524

LIST OF CONSUMER REPORT ING COMPANIES

backgroundchecks.com

Provides background screening

services.

backgroundchecks.com is affiliated with

General

Information Services, Inc. (GIS)

W e bsi te

backgroundchecks.com

Phone

866-265-6602

Addre ss backgroundchecks.com

Attn: Consumer Relations

Department

P.O. Box 353

Chapin, SC 29036

Checkr

Provides background screening services.

The company allows c

onsumers to review their

reports via its

Applicant Portal.

Free report:

The company will provide a free report if you

request it via its Better Future

website.

W e bsi te

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 h

ousing

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.

W e bsi te

empinfo.com

Request report information

Phone

800-274-9694

Address

EmpInfo

5900 Silver Creek Valley Road

San Jose, CA 95138

LIST OF CONSUMER REPORT ING COMPANIES

First Advantage Corporation

Provides background screening services.

First

Advantage is being 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

800-84

5-6004

Address

First Advantage

Consumer Center

P.O. Box 105292

Atlanta, GA 30348-5292

General Information Services, Inc. (GIS)

rovides 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.

W e bsi te

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 back

ground screening services.

Free report:

The company will provide a free report if you request it

and if the company has a file on you

W e bsi te

HireRight.com

Phone

800-381-0645

Address

HireRight

Attn: Consumers Department

14002 E. 21st Street

Suite 1200

Tulsa, OK 74134

LIST OF CONSUMER REPORT ING COMPANIES

Info Cubic

Provides background screening services.

Free report:

The company will provide one free report every

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 Verisk Analytics.

Free report:

The company will provide one free report every 12

months if

you request it.

Website

Intellicorp.net

Request report form

Phone

866-202-1 436 or 888-946-8355

Address

IntelliCorp Records, Inc.

Attn: Compliance Department

3000 Auburn Drive, Suite 410

Beachwood, OH 44122

LIST OF CONSUMER REPORT ING COMPANIES

OPENonline

Provides background screening services.

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

Addre ss

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.

W e bsi te

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

4511 Rockside Road

Independence, OH 44131

Attn: Consumer Reports

LIST OF CONSUMER REPORT ING COMPANIES

Truework

Collects data to verify employment and

income.

Free report:

If your employer uses T

ruework, you can use

Truework to verify your employment and income

information when applying

for loans, jobs, and

apartment rentals

W e bsi te

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 T he 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.

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 REPORT ING COMPANIES

Tenant screening

If you are applying as a tenant for a residential property, ask the management company for the

name(s) of consumer reporting company it will be using to screen you. Contact the screener(s) to

fact-check your information and dispute suspected inaccuracies as needed. A tenant screening

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

lease application, or it may get approved but with tough conditions inserted into the lease

agreement such as requiring you to pay twelve months of rent in advance. If a landlord refuses to

rent to you or charges you more because of something in a background check, be sure to know your

rights

Contemporary Information Corp. (CIC)

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.

W e bsi te

CICreports.com

Phone

800-288-4757 (Option 5)

Address

CIC Consumer Relations

42913 Capital Drive

Unit 101

Lancaster, CA 93535

LIST OF CONSUMER REPORT ING COMPANIES

CoreLogic Rental Property Solutions

Collects and reports comprehensive information

about

landlord-tenant actions (such as prior

evictions), address history, pu

blic background check

(to identify prior criminal and court judgments,

including prior prison sentences, presence on

government

-managed sex offender and known

terrorist databases).

Free report:

The company will provide one free report every 12

months if y

ou 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

screening repor

ting companies. Experian also

includes some positive rent data it receives from

Experian RentBureau in its standard credit reports.

Positive r

ent 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 REPORT ING COMPANIES

First Advantage Corporation Resident

Solutions

Provides backgroun

d screening services. First

Advantage is being 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.

Websi te

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.

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.

W e bsi te

RealPage.com

Phone

866-934-1 124

Address

LeasingDesk Screening

Attn: Consumer Relations

2201 Lakeside Blvd.

Richardson, TX 75082

LIST OF CONSUMER REPORT ING 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.

W e bsi te

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.

W e bsi te

my smart

move.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 REPORT ING 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.

W e bsi te

AskCertegy.com

Phone

800-237-3826

Address

Certegy Check Services

Attn: CFDR Request

P.O. Box 30046

Tampa, FL 33630-3046

LIST OF CONSUMER REPORT ING 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

provide

d 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 industr

ies.

Free report:

The company will provide one free report every 12

months if you request it.

W e bsi te

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 REPORT ING 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,

BB&T, 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.

W e bsi te

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

12 months if you request it.

W e bsi te

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 REPORT ING COMPANIES

TeleCheck Services

Assists retailers, f

inancial 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

First Data

Corporation.

Free report:

The company will provide one free report every 12

months if you request it.

W e bsi te

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 REPORT ING 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.

W e bsi te

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 REPORT ING 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.

LexisNexis

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

LexisNexis Ri

sk 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 REPORT ING COMPANIES

Insurance Information Exchange (iiX)

Collects and reports motor vehicle records,

includ

ing traffic violation data to insurance

providers and prospective employers. The company

also provides employment and education

verification services.

Insurance Information Exchange is a subsidiary of

Veri

sk Analytics, Inc.

Free report:

The company will

provide a free report if there is

adverse action as a result of information in the

report.

W e bsi te

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.

W e bsi te

DriversHistory.com

Phone

855-694-1555

Address

Drivers History

Consumer Relations

P.O. Box 600

Woodlyn, PA 19094

LIST OF CONSUMER REPORT ING 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 y

our authorization. It

reports this information to life and health

insurance companies to assess your risk and

eligibility duri

ng 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 underwr

itten life or health

insurance at an MIB member insurance company

within the past seven years.

MIB, Inc. is a

subsidiary of MIB Group, Inc.

Free report:

The company will provide one free report every 12

months if you request it.

W e bsi te

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 information on your prescription drug

purchase history. 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 REPORT ING 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 REPORT ING 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 c

ompany 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.

Freeze your report:

The company will freeze your consumer report if

you request it.

Website

DataX.com

Request security freeze

Phone

800-295-4790 (Option 1)

Address

DataX, Ltd.

7582 Las Vegas Blvd.

Suite 693

Las Vegas, NV 89123

LIST OF CONSUMER REPORT ING COMPANIES

FactorTrust

Collects loan perf

ormance 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 i

s owned by T ransUnion.

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 repo

rt every 12

months i

f 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 REPORT ING 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 dat

a 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.

W e bsi te

Innovis.com

Request security freeze

Phone

800-540-2505

Address

Innovis Consumer Assistance

P.O. Box 1689

Pittsburgh, PA 15230-1689

LIST OF CONSUMER REPORT ING COMPANIES

LexisN

exis 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 histor

ical

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

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 phon

e service providers among other

service providers. SageStream is a subsidiary of ID

Ana

lytics.

ID Analytics is being acquired 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

Addre ss

SageStream, LLC

Consumer Office

P.O. Box 503793

San Diego, CA 92150

LIST OF CONSUMER REPORT ING 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.

W e bsi te

NCT UE.com

Phone

866-349-5185 (Option 1)

866-343-2821 (for security freeze)

Address

NCTUE Disclosure Report

P.O. Box 105161

Atlanta, GA 30348

NCTUE Security Freeze

P.O. Box 105561

Atlanta, GA 30348

LIST OF CONSUMER REPORT ING 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.

W e bsi te

theretailequation.com

Phone

800-652-2331

Address

The Retail Equation

P.O. Box 51373

Irvine, CA 92619-1373

LIST OF CONSUMER REPORT ING COMPANIES

Gaming

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.

W e bsi te

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