The Federal laws FCRA and FACTA, which govern the credit bureaus Experian, Equifax, and TransUnion, also regulate a whole universe of other corporations known as “nationwide specialty consumer reporting agencies” and include hundreds of companies, such as: the Medical Information Bureau Inc. (MIB), OPTUMInsight (formerly Ingenix Inc.), Milliman Inc., LexisNexis C.L.U.E. Insurance Reports, the Insurance Services Office (ISO – A Plus Property Reports), ChexSystems Inc. (FIS), CoreLogic, Inc., CBC Innovis, Early Warning Services, TeleCheck, and Equifax Workforce Solutions – The Work Number (TALX).
In fact, just as financial companies rely on “credit reports” to establish credit for customers, others companies also utilize credit report files to assess consumers and charge higher prices in the markets of personal insurance (life, health, disability, and long-term care), residential housing and rentals, employment and income history, banking and checking account history, and property insurance (home, rental, other property, automobile, motorcycle, boating). There are an estimated 400 nationwide specialty consumer reporting agencies collecting and selling personal data on 350 million Americans.
For example, health and life insurance corporations rely on some of these nationwide consumer specialty reporting agencies to provide powerful technologies for evaluating and pricing individual insurance applicants: personal “medical report” files. The Washington Post says that “medical reports” are “like credit reports for your health records” and have been created on more than 200 million Americans.
The Top 25 Most Requested Annual Credit Reports
Here is a comprehensive list of websites, telephone numbers, and mailing addresses for the top 25 most frequently requested annual consumer reports available to you from the nationwide consumer reporting agencies under the Fair Credit Reporting Act (FCRA). Through these reports, these consumer reporting agencies extensively monitor your personal medical, insurance, employment, rental, and banking history.
Federal law entitles all consumers to check and verify each report, once every year because these reports significantly impact your options and costs of credit. Use the information below to do a total background check on your credit reporting agency files. As The Consumerist advises, “Be sure to check them out and correct any errors, before a crisis hits.”
- CBC Innovis – CBC Innovis is a consumer reporting agency that sells personal information to businesses; CBC Innovis data products include credit reports, tax transcripts, appraisal services, title and settlement services to lenders. In addition, CBC Innovis provides employment data services including employment screening, job application verification, and Social Security number validation; for landlords and property managers, CBC Innovis offers skip tracing and collection agency services. To request a copy of your personal credit report disclosure file, call CBC Innovis at 1-800-540-2505. If Innovis is unable to verify your identity by phone, you may be asked to submit your request by mail. To submit your credit report request by mail, complete the ‘CBC Innovis Credit Report Request Form’ and mail it to Innovis at the following address: “CBC Innovis, ATTN Consumer Assistance, P.O. Box 1689, Pittsburgh, PA 15230-1689.”
- Payment Reporting Builds Credit (PRBC Inc.) – PRBC Inc. is a consumer credit reporting agency (e.g., a credit bureau). PRBC Inc. is similar to other U.S. credit bureaus (Equifax, Experian, TransUnion, and CBC Innovis) in that it is a Fair Credit Reporting Act (FCRA) compliant national data repository. However, PRBC Inc. differs because consumers are able to self-enroll and report their own non-debt payment history to PRBC Inc. Consumers can view a ‘Summary of Your FCRA Rights’ at PRBC Inc. To request disclosure of your credit report from PRBC Inc., contact Payment Reporting Builds Credit (PRBC Inc.) by telephone at 1-800-884-2733 or 1-800-884-4747; by e-mail, at “InfoPRBC@MicroBilt.com”; or by mail at “PRBC / MicroBilt Corporation, 1640 Airport Road, Suite 115, Kennesaw, GA 30144.”
Employment History Reports
- The Work Number (a service of TALX / Equifax Inc.) – The Work Number is a paid employment verification database operated by the TALX Corporation (owned by Equifax Inc.). The Work Number database contains more than 192 million entries and is used by by over 50,000 organizations to verify employment data. All consumers are entitled to an annual disclosure of the Employment Data Report from The Work Number (a service of TALX / Equifax, Inc.). Your Employment Data Report contains (1) employment and income information from your employers who send data to The Work Number, (2) information about lenders, credit agencies, and other verifiers that have received your data, and (3) any messages, alerts, or statements you have requested be put in your data file. To request your Employment Data Report from the database of The Work Number (a service of TALX / Equifax Inc.) consumers can call 1-866-604-6570 or mail your “The Work Number (a service of TALX)” request to “The TALX Corporation, ATTN: Employment Data Report – Dept 19-10 11432, Lackland Street, Saint Louis, MO 63146.”
- ChoicePoint Workplace Solutions Inc. Employment History Report (A Division of LexisNexis / Reed Elsevier PLC) – The ChoicePoint Workplace Solutions Inc. Employment History Report contains information related to your employment history as well as other information regarding your background. ChoicePoint provides Employment History Reports to employers only with a job applicant’s or employee’s consent; in turn, employers utilize a variety of companies to obtain employment history information. ChoicePoint (A Division of LexisNexis / Reed Elsevier PLC) is classified under the federal Fair Credit Reporting Act (FCRA) as a nationwide specialty consumer reporting agency and all individuals are entitled to annual disclosure of their ChoicePoint Employment History Report. Consumers can contact ChoicePoint by telephone at 1-866-312-8075 or 1-800-845-6004 to request an annual disclosure of their ChoicePoint Workplace Solutions Inc. Employment Workplace History report or submit a written request by mail to the following address: “ChoicePoint WorkPlace Solutions Inc. Consumer Center, PO Box 105292, Atlanta, GA 30348.”
Automobile and Home (Property) Insurance Claim Reports
- Comprehensive Loss Underwriting Exchange (C.L.U.E.) Report (a Division of LexisNexis / Reed Elsevier PLC) – The Comprehensive Loss Underwriting Exchange (C.L.U.E.) Report and the insurance scoring system provided by LexisNexis (a Division of Reed Elsevier PLC) is a claims history database created by ChoicePoint that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy. Insurers utilize personal information in the Comprehensive Loss Underwriting Exchange (C.L.U.E.) to decide your risk profile (e.g., how likely you are to file a claim against your policy). Insurance companies that contribute loss data to the Comprehensive Loss Underwriting Exchange (C.L.U.E.) can withdraw information from the exchange. In addition, some insurance agents, with the authority of the company they represent, can withdraw data. Your consumer report file in the Comprehensive Loss Underwriting Exchange (CLUE) contains personal claim information provided by insurance companies; it also includes policy information such as name, date of birth, policy number, and claim information including date of loss, type of loss and amounts paid, and a description of the property covered. For homeowner’s coverage, the the Comprehensive Loss Underwriting Exchange (CLUE) report contains the property address, and for auto coverage, it includes specific vehicle information. As a warning, all consumers should be aware that merely contacting their insurance company or their insurance agent to discuss an actual loss might be considered reporting a claim, even if the company does not end up making a claim payment. This is because when a loss occurs, the policy requires the company to take specific actions within specified time frames. Under the federal Fair Credit Reporting Act (FCRA), all consumers can request a copy of your ChoicePoint Comprehensive Loss Underwriting Exchange (CLUE) Report by mail at “ChoicePoint Insurance Consumer Center (C.L.U.E. Report), PO Box 105292, Atlanta, GA 30348″, or call the ChoicePoint Insurance Consumer Center Request line by telephone at 1-800-456-6004.
- Insurance Services Office (ISO) – The Automobile-Property Loss Underwriting Service (A-PLUS) provided by the Insurance Services Office (ISO) is a property and liability claims database that is utilized by insurance underwriters to evaluate your past insurance claims or other property losses when writing an insurance policy on a commercial or residential property. With prior insurance claims histories from more than 1,440 insurance companies, representing 95% of the industry’s premium volume, the Insurance Services Office Automobile-Property Loss Underwriting Service (A-PLUS) is the largest source of property claims data for underwriting. (In fact, the A-PLUS property database has more than twice as many corporate contributors as its largest competitor.) Insurance companies that want to participate in A-PLUS agree to report their customers’ claims to the A-PLUS database. Then, when a contributing insurer receives an application for insurance, the company’s underwriting office (or a company-sponsored agent or broker) can obtain prior loss information about the applicant. The ISO A-PLUS system searches the database for prior claims filed by applicants and, if requested, for claims filed by other individuals at the risk location. The system returns a report containing details of past claims relating to the potential risk. An A-PLUS property report contains information on any past claims and other losses associated with the home or commercial building; the report may contain claims submitted by the current owner or by a previous policyholder. The Insurance Services Office (ISO) A-PLUS property reports provide up to five years of information on all types of loss, including: fire damage, flood damage, earthquake damage, burglary, credit card theft, workers compensation, and medical payments. As a warning, all consumers should be aware that merely contacting their insurance company or their insurance agent to discuss an actual loss might be considered reporting a claim, even if the company does not end up making a claim payment. (For example, if the customer contact is related to an actual loss — such as a water leak — the insurer may keep a record of the event. If the company opens a claim file, it will assign a file number and claim adjuster, investigate and process the claim, and make payment(s), if appropriate. Thereafter, the insurer also will report the data to ISO A-PLUS as a loss-producing event against your personal file and the property address.) The Insurance Services Office (ISO) A-PLUS services comply with the Fair Credit Reporting Act (FCRA) and conform to all applicable federal and state laws and regulations. Consumers are entitled to full disclosure of any data regarding their own claims that may be in the A-PLUS database; the Insurance Services Office (ISO) must provide annual disclosure to all consumers. All consumers can request a copy of your Insurance Services Office (ISO) A-PLUS report by mail at the following address, “A-PLUS Consumer Inquiry Center, Insurance Services Office (ISO), 545 Washington Boulevard, 22nd Floor, Jersey City, NJ 07310-1686″, or call the A-PLUS Consumer Report Request Line at 1-800-627-3487.
Personal History Reports for Tenants, Residents, and Renters
- ChoicePoint Resident Data Inc. Tenant History Report (a Division of LexisNexis / Reed Elsevier PLC) – The ChoicePoint Resident Data Inc. Tenant History report contains information related to your tenant history as well as other information regarding your background and personal character. ChoicePoint (A Division of LexisNexis / Reed Elsevier PLC), sells Resident Data Inc. Tenant History Reports to housing providers. In turn,h ousting providers collect tenant history information from a variety of other companies and report personal data to Resident Data Inc. ChoicePoint (A Division of LexisNexis / Reed Elsevier PLC) is classified under the federal Fair Credit Reporting Act (FCRA) as a nationwide specialty consumer reporting agency; all individuals are entitled to annual disclosure of their ChoicePoint Resident Data Inc. Tenant History report. Consumers can contact ChoicePoint by telephone at 1-800-487-3246 to request an annual disclosure of their ChoicePoint Resident Data Inc. Tenant History report or submit a written request by mail to the following address: “ChoicePoint Resident Data, Inc. Consumer Center, PO Box 850216, Richardson, TX 75085-0126.”
- CoreLogic SafeRent Inc. – The SafeRent tenant history report provided by CoreLogic SafeRent, Inc. offers screening and risk management to the personal and multifamily housing leasing industry, landlords, and property managers. The CoreLogic SafeRent, Inc. tenant history data products include resident screening, renters insurance, benchmarking, lease and documentation generation, employment screening, and criminal screening (including felony, misdemeanor and/or sex offender registry records). CoreLogic SafeRent, Inc. is classified under the federal Fair Credit Reporting Act (FCRA) as a nationwide specialty consumer reporting agency; all individuals are entitled to annual disclosure of their SafeRent report. Consumers can contact CoreLogic SafeRent, Inc. by telephone at 1-888-333-2413 to request an annual disclosure of their SafeRent report or submit a written request by mail to the following address: “CoreLogic SafeRent, Consumer Relations Department, 7300 Westmore Rd., Suite 3, Rockville, MD 20850-5223.”
- Tenant Data Services, Inc. – Tenant Data Services Inc. is consumer credit reporting bureau that provides landlords and property managers with personal information regarding your tenant history, credit history, check writing history, and criminal history. Apartment owners and managers supplement the resident screening process by using Tenant Data Services Inc. data products to evaluate prospective residents against national consumer credit data, criminal and eviction databases, scoring systems designed to predict resident reliability, and a variety of other screening criteria. All Tenant Data Services Inc. reports include consumer credit information from one or more of the three major credit bureaus (e.g., Experian Inc., Equifax Inc., or Transunion LLC); access to information on delinquent payment histories, property damage, chronic violations, criminal history activity and other types of disturbances, and check writing history. Tenant Data Services Inc. is a nationwide specialty consumer reporting agency that is regulated by the federal Fair Credit Reporting Act (FCRA). Consumers can contact Tenant Data Services Inc. by telephone at 1-800-228-1837 to request an annual disclosure of their Tenant Data Services report or submit a written request by mail to the following address: “Tenant Data Services, Inc., ATTN: Consumer Disclosure Office, PO Box 5404, Lincoln, NE 68505-0404.”
- RentBureau, LLC – RentBureau LLC collects rental payment histories from a national network of property owners and managers every 24 hours. The RentBureau renters history database provides current and accurate information about potential renters and is immediately available to RentBureau participant apartment leasing agents, managers and owners through their existing screening companies (e.g., CSS Services, Kroll Factual Data, On-Site, RentGrow, ResidentCheck, SelectRent) or directly from RentBureau LLC. RentBureau specializes in the multifamily industry; RentBureau collections millions of rental histories from its national network of apartment owners and managers and makes that information available to the entire multifamily industry. RentBureau uses detailed rental histories in its database to satisfy verification requests; the verification report shows whether past renters left in good standing or owing money. The RentBureau LLC data product “RentReveal” provides detailed rental payment and collection history of apartment and rental applicants; this information enables property owners and managers to execute leasing decisions by identifying risky residents, at the time of their application, and before they become residents. Through its products, RentBureau LLC claims to “Predict the Future” for property owners and managers by analyzing an applicant’s rental history then predicting the applicant’s likelihood of paying future rent obligations. In addition, multifamily apartment leasing companies use RentBureau LLC’s “RentMonitor” product to view resident default risk at a community level and identify the resident segments in each community where the risk of default is highest. (Prior to the “RentMonitor” product, property executives had to wait until write-offs occurred; now “RentMonitor” shows where write-offs are most likely to happen in the future.) Since residents make rental payments throughout the month, and RentBureau receives this data daily from its members, RentBureau systems are able compare these payments to millions of other residents and payments nationwide to determine how likely each resident is to continue to meet their rental payment obligations. RentBureau LLC’s “RentMonitor” product can help multifamily property management companies watch the payment ratios of the communities’ residents; in particular, RentBureau tracks the all property residents’ residents with social security numbers (SSN’s) to help multifamily property management companies ensure the maximum possible accuracy of resident data. RentBureau LLC is a nationwide specialty consumer reporting agency that is regulated by the federal Fair Credit Reporting Act (FCRA). Consumers can contact RentBureau LLC by telephone at 1-877-703-7368 to request an annual disclosure of their Tenant Data Services report or submit a written request by mail to the following address: “RentBureau LLC, ATTN: Consumer Disclosure Office, P.O. Box 18706, Atlanta, GA 31126.”
Check Writing Reports
- ChexSystems – Under the Fair and Accurate Credit Transaction Act (FACTA) amendments to the federal Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your consumer report, at your request, once every 12 months.
- TeleCheck – Available once every 12 months for free via psotal mail request.
Medical and Prescription History Reports
- Medical Information Bureau Inc. (MIB Inc. / MIB Group Inc. / MIB Solutions Inc.) – Insurance Underwriting Exchange for Life Insurance, Health Insurance, Long-Term Care Insurance, Disability Income Insurance, Critical Care Insurance, Mortgage Life Insurance. Personal data collected by the MIB Inc. includes medical conditions, your credit report history, driving records, criminal activity, drug use, sexual orientation, lifestyle activities, international travel, participation in hazardous sports, and personal or family genetic history. Using information from these medical report files, insurance companies can charge you higher premiums or terminate your coverage altogether. (Source, FTC Agreement, July 1995)
- Ingenix MedPoint – Prescription Drug Purchase History Reports and Future Risk Score. The medical profile generated by MedPoint includes, but is not limited to, prescription drugs, including dosage and number of refills filled by the insurance applicant for the previous five years. It also includes for each drug, the name and address of the dispensing pharmacy, as well as the name and address of the prescribing doctor, including specialty medical practice. The medical profile generated by MedPoint analyzes the individual’s prescription drug history, and provides, based on that analysis, potential medical conditions that may be present and predictive scores for the individual. (Source, FTC complaint, February 2008)
- Milliman IntelliScript – Prescription Drug Purchase History Reports and Future Risk Score. The medical profile generated by IntelliScript includes, but is not limited to: all prescription drugs, including dosage and number of refills filled by the insurance applicant for the previous five years. It also includes, for each drug, the name and address of the dispensing pharmacy, as well as the name and address of the prescribing doctor, including medical specialty. The medical profile generated by IntelliScript analyzes the individual’s prescription drug history and provides a “map” of the risk levels associated with each drug, based on information provided by the insurer.” (Source, FTC complaint, February 2008).
Miscellaneous – Other “Specialty Credit Reporting Agencies”
- Social Security Statement (*Not a CRA.) – Social Security Administration
- Purchase Returns History Reports – Retail Equation
- Gaming Patron’s Credit History and Transaction Data – Central Credit
- Utilities & Telecommunications Reports – National Consumer Telecom and Utilities Exchange, Inc (NCTUE)
Full File Disclosure/Personal Information Reports
LexisNexis ChoiceTrust (ChoicePoint and LexisNexis are divisions of Reed Elsevier PLC) – ChoicePoint and LexisNexis are divisions of Reed Elsevier PLC. Specifically, ChoicePoint and LexisNexis (Reed Elsevier PLC) has companies that maintain consumer files that are subject to the annual consumer report disclosure requirement under the federal Fair Credit Reporting Act (FCRA): Comprehensive Loss Underwriting Exchange (C.L.U.E.) Inc. maintains information on insurance claims histories and LexisNexis Screening Solutions Inc. maintains employment history and tenant history information. These divisions of the Reed Elsevier PLC companies offer a written mail or telephone process for consumers to request their annual file disclosures.
- LexisNexis Claims History Reports – To request copies of your claims history report, visit www.ChoiceTrust.com, call 1-866-312-8076 by telephone, or your request to “LexisNexis Consumer Disclosure Center, P.O. Box 105295, Atlanta, GA 30348.”
- LexisNexis Employment History Reports – To request a copy of your employment history report, call 1-866-312-8075 by telephone or send your request to “LexisNexis Screening Solutions Consumer Disclosure Center, P.O. Box 105292, Atlanta, GA 30348.”
- LexisNexis Tenant History Reports – To request a copy of your tenant history report, call 1-877-448-5732 by telephone or send your request to “LexisNexis Screening Solutions Consumer Disclosure Center, P.O. Box 850126, Richardson, TX 75085-0126.”
The Major Nationwide Credit Reporting Agencies
A final note on the three “Nationwide Credit Reporting Agencies” – Equifax Inc., Experian Inc., and TransUnion LLC. All consumers are entitled to an annual disclosure of their credit reports from each of the three major nationwide credit reporting agencies at https://www.AnnualCreditReport.com. By monitoring and reviewing annual credit reports, consumers ensure fair credit pricing and protect against identity theft.
All consumers can request disclosure of annual credit reports from Equifax, Experian, and TransUnion without charge through the three “central source” methods. The three “central source” methods are, (1) online at https://www.AnnualCreditReport.com; (2) by telephone at 1-877-322-8228; or (3) by mailing a request to the central source at “Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.” (Note – Consumer disclosure requests for credit reports requested by phone or mail will be processed within 15 days of receiving your request.) Only the “central source” and its members – Equifax (www.equifax.com), Experian (www.experian.com) and TransUnion (www.transunion.com), are authorized by law and the government (www.FTC.gov) to provide annual credit reports as described. To make individual requests fron the nationwide credit reporting agencies directly, Equifax Inc., Experian Inc., and TransUnion LLC, consumers must contact the respective nationwide credit reporting agency listed below:
- Experian, Inc. – Mailing Address: “Experian National Consumer Assistance Center, PO Box 2104, Allen, Texas 75013-2104.” Telephone: 1-888-397-3742. Website: www.experian.com.
- Equifax, Inc. – Mailing Address: “Equifax Information Service Center, PO Box 740241, Atlanta, Georgia 30374-0241.” Telephone: 1-800-685-1111. Website: www.equifax.com.
- TransUnion LLC – Mailing Address: “TransUnion LLC, PO Box 1000, Springfield, Pennsylvania 19064-0390.” Telephone: 1-800-888-4213. Website: www.transunion.com.
Data Broker Company – Consumer Opt-Out
Data broker companies collect and store billions of data elements covering nearly every U.S. consumer. For example, a single data broker company, Acxiom, holds information on more than 1.4 billion consumer transactions and 700 billion data elements. In addition, Acxiom adds more than 3 billion new data points to its database each month. While the activities of data brokers often remain outside the scope of application of the Fair Credit Reporting Act, some data brokers may be required to comply with FCRA requirements, depending on how personal data is sold and/ or utilized.
Furthermore, consumers do not generally have the right to disclosure of their information files from the data broker companies. However, many data brokers offer consumers the complimentary ability to access their data or opt-out of future data sales. In general, it’s impossible for consumers to delete their data possessed by the data broker companies. The largest data broker company, Acxiom Corporation, offers consumers the ability to access a limited sub-set of their data and opt-out of future data sales.
- Acxiom - The Acxiom Corporation allows consumers the ability to access and correct the information found in its database directory, fraud detection and prevention and background screening products. In addition, The Acxiom Corporation enables consumers to opt out of its sales and marketing directory of personal information products. To access and correct the information found in the Acxiom directory and fraud detection and prevention products, contact Acxiom at email@example.com or call 1-877-774-2094. To access and correct the information found in the Acxiom background screening products, call 1-800-853-3228, option 3. To contact The Acxiom Corporation by mail, write to “The Acxiom Corporation, ATTN: Consumer Disclosure Office, 601 East 3rd Street, Little Rock, AR 72201-1709.”
Additional Information and Resources
Additional resources for obtaining annual consumer reporting files can be found at following sources: TheConsumerist.com, ConsumerReports.org, PrivacyRights.org, Bankrate.com, Bargaineering.com, ListSergeant.com, MyFico.com, and CreditBoards.com.
- Order Your Medical Report File from the Medical Information Bureau Inc. (MIB)
- Credit Reporting Agency Equifax Workforce Solutions Hired by HHS to Verify Incomes for Obamacare Insurance Subsidies
- Health Insurance Data Privacy in the Federal Data Services Hub
- Download or Print a Free MIB Report Request Sample Form
- FTC on Your Access to Free Credit Reports – Fair Credit Reporting Act (FCRA) & the Fair and Accurate Credit Transactions Act (FACTA)
- FTC – Summary of Your Rights Under the Fair Credit Reporting Act (FCRA)
- Credit Bureaus Announce How Consumers Can Access Free Credit Reports
- Order Your Medical Report File from IntelliScript by Milliman Inc.