Credit News

Specialty Consumer Reporting Agencies Must Provide Reports

Business man cover face with question board
Most consumers are aware of the three major credit reporting agencies. But Experian, Equifax and Transunion are not the only consumer reporting agencies collecting information about you.

There are roughly 400 specialty consumer reporting agencies, 40 of which may directly impact your financial viability. These specialty consumer reporting agencies collect, maintain and report information to creditors, employers, insurance companies, banks, landlords, utility companies, cell phone companies and more.

You might not know these reports exist unless you run into a problem, such as not getting a job, lease, insurance, or checking account, or when a utility company asks you to put down a deposit before starting service with you.

Specialty consumer reporting agencies collect about you when it comes to:

  • Opening or using bank accounts (including writing or bouncing checks or overdrafts)
  • Apartment rental payments
  • Car insurance claims
  • Homeowners and renters insurance claims
  • Payday lending
  • Utility payments
  • Phone bill payments
  • Employment
  • Medical records or payments

You have the right to know what nationwide specialty consumer reporting companies are saying about you and the Consumer Financial Protection Bureau (CFPB) has made it easier to gain access. Until recently it was very difficult to gain access to reports maintained by specialty consumers agencies. Even more disturbing was the fact that it was virtually impossible to verify the accuracy of information reported. There was no consumer dispute process to correct mistakes or inaccurate information.

A new rule from the federal consumer watchdog agency (CFPB) recently changed how these non-traditional credit reports are regulated. It says specialty consumer reporting agencies are to provide, upon request of a consumer, a free annual disclosure of the consumer’s file, commonly known as a consumer report. These specialty reporting agencies must provide a “streamlined process” for consumers to obtain reports and a toll-free telephone number for consumer requests.

While consumers can conveniently get a free copy of their credit reports from the 3 major credit reporting agencies once every 12 months at www.annualcreditreport.com, the information compiled by other consumer reporting agencies is going to take a little more work.

You will have to order the specialty consumer reports individually from each reporting company. Not all companies are required to provide a free copy of your annual report, although under federal law all consumer reporting companies must provide you with a copy of your report for a reasonable fee.

Partial List of Specialty Consumer Agencies

Here is a list of some of the more commonly used specialty consumer reporting agencies. This list is not all-inclusive and is intended for information purposes only. For a more complete list visit the CFPB here.

Company
Address

ChexSystems
(Banking)
ConsumerDebit.com
800-428-9623
ChexSystems Inc.
Attn: Consumer Relations
7805 Hudson Road,
Suite 100
Woodbury, MA 55125

 

Certegy Check Services
(Banking)
AskCertegy.com
866-543-6315
Certegy Check Services Inc.
P.O. Box 30296
Tampa, FL 33630-3296

 

Telecheck
(Banking)
FirstData.com/telecheck
800-366-2425
Telecheck
Attention: Consumer Resolutions-FA
P.O Box 4514
Houston, TX 77210-4514

 

Early Warning Services
(Banking)
EarlyWarning.com
800-325-7775
Early Warning Services
16552 North 90th Street,
Suite 100
Scottsdale, AZ 85260

 

Factor Trust
(Payday Lending Information)
FactorTrust.com
866-910-8497
Factor Trust
P.O. Box 3653
Alpharetta, GA 30023

 

Clarity Services
(Payday Lending Information)
ClarityServices.com
Clarity Services
P.O. Box 5717
Clearwater, FL 33758

 

CL Verify Microbilt
(Payday Lending Information)
Microbilt.com
877-772-2123
CL Verify Microbilt
Attn: Compliance Department
P.O. Box 440693
Kennesaw, GA 30160

 

CoreLogic Teletrack
Teletrack.com
877-309-5226
CoreLogic Teletrack
Attn: Customer Service
5550-A Peachtree Parkway,
Suite 600
Norcross, GA 30092

 

DataX
(Subprime Borrowers)
Consumers.dataxltd.com
Data X Ltd.
Attn: Customer Service
325 E. Warm Springs Road,
Suite 202
Las Vegas, NV 89119

 

Insurance Services Office (ISO)
(Home & Commercial Insurance Claims)
ISO.com
800-709-8842
A-PLUS Consumer Inquiry Center
(ISO)
545 Washington Boulevard,
22nd Floor
Jersey City, NJ 07310-1686

 

Insurance Information Exchange
(Traffic Violations & Accidents)
IIX.com
866-560-7015
Motor Vehicle Report
1716 Briarcrest Drive,
Suite 200
Bryam, TX 77802

 

CoreScore Credit Report
(Alternative Credit Information)
Credco.com
877-532-8778
CoreLogic Credco LLC, Consumer
Relations Dept.
P.O. Box 509124
San Diego, CA 92150

 

L2C
(Alternative Credit Information)
L2CInc.com
866-268-7156
L2C, Inc.
P.O. Box 550089
Atlanta, GA 30355

 

ID Analytics
(Identification Services)
IDAnalytics.com
IDA Inc.,
Attn: Information Request Services
P.O. Box 503793
San Diego, CA 92150-2833

 

Innovis
(Identification Services)
Innovis.com
800-540-2505
Innovis
Attn: Consumer Assistance
P.O. Box 1689
Pittsburgh, PA 15230-1689

 

National Consumer Telecom and Utilities Exchange
(Utilities Information)
NCTUE.com
866-343-2821
Exchange Service Center Disclosure
P.O. Box 105161
Atlanta, GA 30348

 

CoreLogic SafeRent
(Rental)
residentscreening.com
888-333-2413
CoreLogic SafeRent, LLC
Consumer Relations Dept.
7300 Westmore Rd.,
Suite 3
Rockville, MD 20850-5223

 

LexisNexis Screening Solutions Inc. Resident History Report
(Rental)
PersonalReports.LexisNexis.com
866-312-8076
Resident Data Inc., Consumer
Disclosure Center
P.O. Box 850126
Richardson, TX 75085-0126

 

Tenant Data Services
(Rental)
TenantData.com
800-228-1837
Personal Report Request
Tenant Data Services, Inc.
P.O. Box 5404
Lincoln, NE 68505-0404

 

Medical Information Bureau
(Medical)
MIB.com
866-692-6901
MIB Inc.
50 Brainhill Tree Park,
Suite 400
Braintree, MA 02184-8734

 

Milliman IntelliScript
(Drug Prescriptions)
RxHistories.com
877-211-4816
Milliman IntelliScript
15800 Bluemound Road,
Suite 100
Brookfield, WI 53005

 

Accurate Background
(Employment Screening)
AccurateBackground.com
800-784-3911
Accurate Background, Inc.
6 Orchard, Suite 200,
Lake Forest, CA 92630

 

The Retail Equation
(Monitors Returns.)
TheRetailEquation.com
800-652-2331
The Retail Equation
P.O. Box 51373
Irvine, CA 92619-1373

 

Contemporary Information Corp.
(Background Screening)
ContInfo.com
800-288-4757
Contemporary Information Corp.
42913 Capital Drive, Unit 101
Lancaster, CA 93535

 

HireRight
(Employment Screening)
HireRight.com
800-381-0645
HireRight
P.O. Box 33181
Tulsa, OK 74153

 

EmployeeScreenIQ
(Pre-Employment Screening)
EmployeeScreen.com
800-235-3954
EmployeeScreenIQ
P.O. Box 22627
Cleveland, OH 44122

 

The Work Number
(Work and Income Verification)
TheWorkNumber.com
866-604-6570
Annual Credit Report
P.O. Box 105281
Atlanta, GA 30348-5281

 

The Work Number
(Work and Income Verification)
TheWorkNumber.com
866-604-6570
Annual Credit Report
P.O. Box 105281
Atlanta, GA 30348-5281
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