Reporting Agencies
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Consumer Reporting Agencies
Consumer reporting companies, also called credit reporting agencies, are important for collecting and keeping track of people’s credit information. There are different kinds of these companies, apart from the well-known ones like Equifax, Experian, and TransUnion. These companies specialize in specific areas of consumer data. Here are some examples:
Tenant Screening Companies: These companies gather details about rental histories and screen potential tenants for landlords and property managers. They look at past rental payments, evictions, and other relevant information to decide if someone is a suitable tenant.
Employment Screening Companies: These companies do background checks and verify employment records for employers. They collect data on someone’s work history, education, criminal records, and other important information to help employers make good hiring choices.
Check Verification Companies: These companies keep records of checks that have bounced or are no good. When a merchant gets a check as payment, they can check with one of these companies to see if the account has a history of writing bad checks.
Medical Information Companies: These companies gather and keep track of information about people’s medical histories. This includes payment data, insurance claims, and details about medical procedures. They provide this information to healthcare providers, insurance companies, and other authorized groups for things like billing, claims processing, and medical research.
Alternative Data Companies: These companies collect non-traditional data to assess how creditworthy someone is. They get information from different sources, like utility payments, rental records, phone and internet records, and even social media activity. This alternative data can add to the regular credit data and give a fuller picture of someone’s financial behavior.
Remember, each type of consumer reporting company has its own rules, regulations, and ways of doing things that are specific to their area of focus.
Consumer Reporting Agencies
Lexis Nexis
Lexis Nexis 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.
Website & Links
Address & Phone
- LexisNexis Consumer Center
- Attn: Full File Disclosure
- P.O. Box 105108
- Atlanta, GA 30348-5108
- 866-897-8126
Intelius
Intelius is a service that allows people to look up information about someone by entering their name, phone number, or address, and then providing a list of potential matches with detailed profiles that may include background checks, criminal records, job history, educational qualifications, and more.
Website & Links
Address & Phone
- Intelius
- 501 W Broadway St, Suite 800
- San Diego, CA 92101
- 877-564-3253
Innovis
Innovis collects personal information sourced from and made publicly available by federal, state, or local governments. This includes information on Social Security numbers, court filings and findings, bankruptcy filings and records, and government-maintained watch and sanctions lists.
Website & Links
Address & Phone
- Innovis
- Attn: Consumer Assistance
- P.O. Box 1689
- Pittsburgh, PA 15230-1689
- 800-540-2505
Acxiom
Acxiom collects data from three different types of sources: 1) government records, public records and publicly available data, 2) self-reported data, and 3) data from other commercial entities where consumers have been provided notice of how their data will be used, and offered a choice about.
Website & Links
Address & Phone
- Acxiom, LLC
- 301 E Dave Ward Dr
- Conway, AR 72032-7114
- 888-322-9466
ARS
ARS collects information about consumers’ approved and declined bankcard applications.
Website & Links
Address & Phone
- Advanced Resolutions Services, Inc.
- P.O. Box 4000
- Conway, AR 72033
- 800-392-8911
Clarity Services
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.
Website & Links
Address & Phone
- Clarity Services, Inc.
- P.O. Box 5717
- Clearwater, FL 33758
- 866-390-3118
CoreLogic
CoreLogic collects and reports personal data such as property ownership and home loan obligation records; property legal filings and tax payment status; rental applications and collection accounts; consumer bankruptcies, liens, judgments, and child support obligations.
Website & Links
Address & Phone
- CoreLogic Credco, LLC
- P.O. Box 509124
- San Diego, CA 92150
- 877-532-8778
FactorTrust
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.
Website & Links
Address & Phone
- FactorTrust
- Attn: Consumer Inquiries
- P.O. Box 390
- Woodlyn, PA 19094
- 844-773-3321
Microbilt
Microbilt collects recurring bill repayment data, such as monthly billing data from rent, utility, phone plans, car insurance, and streaming media subscriptions to generate consumer credit reports and risk scores for businesses that offer short term, rent-to-own, auto, retail and consumer finance lending.
Website & Links
Address & Phone
- Microbilt / Connect
- Attn: Consumer Affairs Department
- P.O. Box 440693
- Kennesaw, GA 30160
- 888-222-7621
SageStream
SageStream collects information from, and provides supplementary consumer reports to, auto lenders, credit card issuers, retailers, utilities and mobile phone service providers among other service providers.
SageStream is owned by Lexis Nexis.
Website & Links
Address & Phone
- SageStream, LLC
- Attn: Consumer Office
- P.O. Box 503793
- San Diego, CA 92150
- 888-395-0277
ChexSystems
ChexSystems is a consumer reporting agency. It’s similar to credit bureaus, but its focus is on checking and savings accounts. It reports on bank account data, including applications, openings and closures. Negative items in your ChexSystems report can limit your ability to open a checking account.
Website & Links
Address & Phone
- Chex Systems, Inc.
- Attn: Consumer Relations
- P.O. Box 583399
- Minneapolis, MN 55458
- 800-428-9623
Teletrack
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, and cable/telecom.
Website & Links
Address & Phone
- Teletrack
- Attn: Consumer Disputes Department
- P.O. Box 740008
- Atlanta, GA 30374
- 877-309-5226
Certegy
Certegy collects check writing histories and provides check and ACH verification services for retail merchants and gaming establishments who accept checks as payment.
Website & Links
Address & Phone
- Certegy Payment Solutions, LLC
- P.O. Box 908
- Grand Junction, CO 81502
- 800-237-3826
Global Payments
Global Payments provides check screening and verification services for various consumer-facing industries.
Website & Links
Address & Phone
- Global Payments
- Attn: Consumer Affairs
- 3550 Lennox Rd, Suite 3000
- Atlanta, GA 30326
- 800-367-2638
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.
Website & Links
Address & Phone
- NCTUE Disclosure Report
- P.O. Box 105161
- Atlanta, GA 30348
- 866-349-5185
The Retail Equation
Monitors and reports to merchants retail product return and exchange fraud and abuse.
Website & Links
Address & Phone
- The Retail Equation
- P.O. Box 51373
- Irvine, CA 92619-1373
- 800-652-2331
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.
Website & Links
Address & Phone
- Milliman IntelliScript
- P.O. Box 2223
- Brookfield, WI 53008
- 877-211-4816
Drivers History By Transunion
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. TransUnion has a majority ownership interest in Drivers History.
Website & Links
Address & Phone
- Drivers History
- Attn: Consumer Relations
- P.O. Box 600
- Woodlyn, PA 19094
- 855-694-1555