The Fair Credit Reporting Act provides every consumer with the right to request a free annual medical report file disclosure from the Medical Information Bureau (MIB, Inc.) and it’s membership of 500 insurance companies.

Under consent agreements with the Federal Trade Commission in 1983 and 1995, “the MIB, Inc., and all insurance companies who are members of the MIB, will abide by the Fair Credit Reporting Act.”

To request a copy of your free MIB report, you should complete ONE of the following options:

Toll-Free Telephone – “Streamlined Request”

(1) Call the MIB, Inc. toll-free telephone number at 1-866-692-6901 to make your request. (Note – The MIB “Voice Cue” is available Monday – Friday, 6AM -12AM ET, closed on holidays. According to the MIB phone disclosure website, “MIB’s disclosure process requires you to provide your personal identification information to assist us in locating your MIB Consumer File, should one exist. The ID information you supply will be validated with other consumer reporting agencies.”  As an additional warning, please be aware that the MIB voicemail system records and retains your personal information and voice imprint. If you are suspected of fraud, MIB reserves the right to use this recording as evidence against you.)

Written Request by Mail

(2) Download or Print this free MIB disclosure request form (PDF link). Then mail the completed and signed form to “MIB, Inc. 50 Braintree Hill Park, Suite 400, Braintree, MA 02184” to make your request. (Note – MIB, Inc. has taken the position that the FCRA does not require it to comply with a consumers’ express written request for free annual disclosure of their MIB file. As a warning to consumers, MIB publicly states, “Because a consumer’s request for free annual disclosure is supposed to be submitted via the Streamlined Process [1-866-692-6901] only, MIB reserves the right to decline a consumer’s request for free annual disclosure that is made using this form [by mail]. In such an event, MIB may instruct the consumer to use MIB’s Streamlined Process [1-866-692-6901]. Alternatively, MIB may also process a consumer’s request for free annual disclosure using this form if the consumer declines to use MIB’s Streamlined Process, but agrees to pay the fee [$10.50] that is allowed by law.” It is has yet to be determined whether MIB’s refusal to honor the valid, written requests of consumers is legal or illegal under federal and state law.)

MIB.com Online Submission Form

(3) Complete and submit the MIB.com online request form located on the MIB website. (Note – When you submit your information online, it may be validated by an unnamed third-party consumer reporting agency. According to the MIB.com Website Privacy Policy for Consumer File Requests – “If you are visiting MIB’s website to request disclosure of your MIB Consumer File (if any) or to dispute its contents, MIB will collect personal information from you. This information will be securely collected and maintained by MIB and will be used solely to process your request. Specifically, the personal information that you provide to MIB will be used to verify your identity, to conduct an accurate search of MIB’s databases and to confirm that the search results (if any) actually relate to you.  MIB does not sell, share, transfer, lease or otherwise disclose the personal information that you provide to any third-parties, except that MIB will validate the information you provide with other consumer reporting agencies to confirm your identity.“)

Upon receipt and validation of your request, the Medical Information Bureau, Inc. must provide disclosure to you by postal mail within 15 business days. If MIB does not have a “consumer file” on you, the law requires MIB to provide a “no record” letter explaining that a record does not exist.

An “MIB consumer file” may include: (1) Any medical and personal information that MIB maintains in its database about you, if any, in the form of translated MIB codes; and (2) the name(s) of the MIB member insurance companies, if any, that: (A) reported information to MIB, along with the dates such information was reported; (B) received a copy of your MIB Consumer File during the three (3) year period preceding your request for disclosure and the dates the companies received your file; and, (C) made an inquiry to MIB about you within the past two (2) years, along with the dates of such inquiries.

Upon review of the contents of your MIB consumer file disclosure, if you believe that any information is incomplete or inaccurate, you should contact the MIB, Inc. directly to initiate a dispute. (The mailing address is “MIB, Inc. 50 Braintree Hill Park, Suite 400, Braintree, MA 02184”) If you identify information in your file that is incomplete or inaccurate, and report it to the Medical Information Bureau, Inc. (a specialty consumer reporting agency), the MIB must investigate your claim (unless the dispute is “frivolous”). See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 45 days. However, the Medical Information Bureau Inc. (a specialty consumer reporting agency), may continue to report information it has verified as accurate. For all types of consumer file information, the Medical Information Bureau Inc. (a specialty consumer reporting agency), may not report negative information that is more than seven years old.

As a nationwide specialty consumer reporting agency, MIB Inc. “must provide a toll-free number that is published in every telephone directory in which a number for the company appears, and is clearly and prominently posted on the company’s website. In addition, federal law requires the company to have clear and easy instructions for consumers to get these reports, and adequate staff in place or means to deal with consumers’ requests.” If the Medical Information Bureau Inc. (MIB), or any other specialty consumer reporting agency, violates the Fair Credit Reporting Act (FCRA) with respect to your inforamtion, you may be able to file a lawsuit seeking damages in state or federal court.

The Medical Information Bureau, Inc. (MIB), a Delaware corporation, is the world’s largest insurance reporting agency and represents approximately 500 member insurance companies.  “The Medical Information Bureau (a/k/a, MIB Group, Inc., a/k/a, MIB, Inc., a/k/a, MIB Solutions, Inc.) collects and furnishes information on consumers to all Medical Information Bureau (MIB) member corporations for use in the insurance underwriting process.”

In addition to an individual’s credit history, data collected by the Medical Information Bureau (MIB) may include “medical conditions, driving records, criminal activity, drug use, participation in hazardous sports, and personal or family genetic history, among other facts.”  Under Federal law, the Medical Information Bureau (MIB) is a “consumer-reporting agency” and is required by law to provide a medical report to consumers every 12 months.

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