Specialty Credit Reports

THE FAIR AND ACCURATE CREDIT
TRANSACTIONS ACT (FACT ACT)
• The Fair and Accurate Credit Transactions Act
(FACT Act) was enacted in 2003 and amends the
Fair Credit Reporting Act (FCRA), a federal law that
regulates, in part, who is permitted to access your
consumer report information and how it can be
used.
• The FACT Act entitles consumers to obtain one free
copy of his/her consumer file from certain consumer
reporting agencies during each 12-month period.
• http://www.consumer.ftc.gov/sites/default/files/arti
cles/pdf/pdf-0111-fair-credit-reporting-act.pdf

NATIONAL CONSUMER TELECOM &
UTILITIES EXCHANGE
• The NCTUE data report is a record of all telecommunication,
pay TV and utility accounts reported by exchange members,
including information about a consumer’s account history,
unpaid closed accounts and customer service applications.
This information is used by other telecommunication, pay TV
and utility service providers, who are members of the
exchange, to assist them in the decision to extend services.
The NCTUE Disclosure Report is the disclosure to a consumer of
the information contained in his or her data report.
• As a consumer, you can contact NCTUE® to determine if
NCTUE maintains information about you. To request a copy of
your NCTUE Disclosure Report, call us at 1-866-349-5185.
• http://www.nctue.com/consumer

CLARITY SERVICES
• Clarity is a credit reporting agency used by payday loan
lenders.
• Clarity Services, Inc. is a Consumer Reporting Agency that
provides information to our customers, who in turn decide
whether or not to offer credit or services to consumers. If your
application has been denied by a subscriber of our services,
their decision may have been based on the information
provided to them by us.
• Phone: 866 -390-3118
• https://www.clarityservices.com/support/free-annual-file-
disclosure/
• http://www.clarityservices.com/support/annual_disclosure

DATAX CONSUMER REPORT
• DataX provides consumer payment history for the non-
prime lending community.
• Phone: 800-295-4790
• http://consumers.dataxltd.com/annualCreditReport

FACTORTRUST
• Provides lending data and bankruptcy information to
payday lenders and other users.
• Phone 866-910-8497 OR
EMAIL CUSTOMERCARE@FACTORTRUST.COM.
• http://ws.factortrust.com/consumer-inquiry/
• http://ws.factortrust.com/wp-
content/uploads/2013/12/Consumer-Inquiry-Form.pdf

MICROBILT'S PRBC CONSUMER CREDIT
REPORT
• If you have been turned down for credit based on
information in a PRBC Report, and would like to
request a copy of the information contained in the
report, or dispute information contained in the
report
• Tracks consumer information about payday loans.
• Provides information to payday lenders and other
lenders
• 1- 800-884-4747(Option5)
• http://www.microbilt.com/consumer-dispute.aspx

TELETRACK
• Collects consumer information about, and provides data
to, payday lenders , rent-to-own
• businesses, furniture stores that offer financing, auto
finance companies, high-risk consumer finance
businesses, non -prime mortgage businesses, non-prime
credit card issuers, credit unions, and cable/telecom
companies.
• Phone: 877-309-5226
• http://www.corelogic.com/downloadable-
docs/teletrack-consumer-report-request.pdf

AUTO AND PROPERTY INSURANCE
HISTORY REPORT

INSURANCE INFORMATION EXCHANGE
• Provides motor vehicle records, including traffic
violations, upon request with a permissible purpose.
• If a consumer has had an adverse action taken against
him or her, s/he may contact iiX within the 60-day period
to request a copy of the report. iiX's process provides
these alternatives for obtaining the report:
• Option 1 - Request via the web
• Option 2 - Request via telephone or fax
• Phone: 866- 560-7015
• http://www.iix.com/fcrarelease.pdf
• http://www.iix.com/reports_consumers.htm

C.L.U.E.® REPORT
• The C.L.U.E. Auto report provides a seven year history of
automobile insurance losses associated with an individual.
• The following data will be identified for each loss: date of loss,
loss type, and amount paid along with general information
such as policy number, claim number and insurance
company name.
• Phone: 866-312-8076
• https://personalreports.lexisnexis.com/fact_act_claims_bundle
/landing.jsp

LEXISNEXIS PERSONAL REPORTS
• LexisNexis Risk Solutions, in compliance with the FACT
Act, provides you with one FREE report during each 12
month period.
• LexisNexis maintains a vast collection of public records
obtained from Federal, state, and local sources,
including civil and criminal courts, bankruptcy courts,
public assessor's offices, state property and tax offices,
secretary of state offices, and various licensing agencies.
LexisNexis also maintains a database of auto and
property claims information contributed by insurance
companies.
• Phone: 888-497-0011
• https://personalreports.lexisnexis.com/access_your_pers
onal_information.jsp

CREDITIQ CREDIT REPORT BY
CORELOGIC CREDCO
• Collects property ownership and mortgage obligation
records; property legal filings and tax payment status;
rental applications and collection accounts; and
consumer bankruptcies, liens, judgments, and child
support obligations.
• Phone: 800-637-2422 Credit Report Inquiries
• Phone; 877-532-8778 Consumer File Inquires
• https://www.credco.com/consumer/?mid=3776&cid=37
68

IDA , INC.
• Provides supplementary credit reports to lenders and
other service providers.
• The information we provide generates insights into
creditworthiness and enhances traditional credit
decisioning.
• It also helps protect individuals from becoming victims of
identity theft, and helps companies protect themselves
and their customers from identity fraud.
• Phone: 866-361-7984
• http://www.idanalytics.com/solutions/consumer/consum
er-assistance/

INNOVIS
• Provides supplementary credit reports to lenders.
• If you believe information contained within your Innovis Credit
Report is inaccurate for any reason, you may request an
investigation.
• Choose any one of our three convenient ways to request an
investigation.
• Online -
https://www.innovis.com/InnovisWeb/pers_orderCreditRepo
rtDisabled.html
• Mail -
https://www.innovis.com/InnovisWeb/formOrderReport.html
• Phone - 1-800-540-2505.

CONTEMPORARY INFORMATION CORP.
• Conducts background screening services.
• Phone: 800-288-4757 Option 5
• http://www.cicreports.com/consumer-disputes/

CORELOGIC SAFE RENT
• CoreLogic SafeRent consumer file will provide you with a
copy of the information which may have been used by
the property to make a decision and will allow you to
see potentially adverse information contained in your
CoreLogic SafeRent file.
• Collects information for tenant and employment
screening, including landlord - tenant actions and court
judgments
• Phone: 888-333-2413
• http://www.corelogic.com/downloadable-
docs/saferent-consumer-disclosure.pdf

FIRST ADVANTAGE
RESIDENT HISTORY REPORT
• Phone: 800-845-6004
• http://www.fadv.com/free-report-for-
consumers.aspx

TENANT DATA SERVICES
• Rental performance history (damages,
unauthorized pets, lease violations, skips, etc.)
• Phone: 800-228-1837 Option 5
• http://www.tenantdata.com/personalreport.php

MEDICAL INFORMATION BUREAU
• Collects information about medical conditions and
hazardous avocations from insurance applications with
the consumer’s authorization. You will not have an MIB
consumer report unless you applied for individually
underwritten life or health insurance at a MIB member
insurance company within the past seven years.
• Phone: 866-692-6901
• http://www.mib.com/request_your_record.html.

MEDPOINT
• 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.“
• Phone: (888) 206-0335
• Order AnnualMedicalReport.com
• https://www.annualmedicalreport.com/tag/medpoint/

INTELLISCRIPT
• Milliman IntelliScript will have prescription
information about you only if you authorized the
release of your medical records to an insurance
company and that company requested that we
gather a report on you.
• Report request phone number: 877-211-4816
• http://www.rxhistories.com/RequestAReport/

*LEGAL ACTION*
• Providers of Consumers Medical Profiles Agree to
Comply with Fair Credit Reporting Act
• http://www.ftc.gov/news-events/press-
releases/2007/09/providers-consumers-medical-
profiles-agree-comply-fair-credit

ACCURATE BACKGROUND
• Phone: 800-784-3911
• http://www.accuratebackground.com/resources.p
hp?sec=439

AMERICAN DATABANK
• Phone: 800-200-0853
• http://www.americandatabank.com/FCRA.aspx

EMPLOYEESCREENIQ
• Provides pre-employment screening services.
• Phone: 800-235-3954 Option 5
• http://www.employeescreen.com/requests/disclos
ure.asp

GIS
• Phone: 800-265-4917
• http://www.geninfo.com/contacttwo.asp

HIRERITE
• The National Theft Database contains more than
500,000 records of shoplifting and employee theft
incidents submitted by 500 member companies.
• Conducts employment background screening
services.
• Phone: 800-381-0645
• http://hirerite.com/Consumers-Applicants.aspx

INFOCUBIC
• Provides pre-employment screening services.
• Phone: 877-360-4636
• http://www.infocubic.com/doc/Consumer-Report-
Copy-Request.pdf

INTELLICORP
• Provides employment histories and criminal histories.
• Phone: 866-202-1436
• http://www.intellicorp.net/marketing/home.aspx
• http://www.intellicorp.net/marketing/uploadedFiles
/IntelliCorp_Copy%20Request%20Form.pdf

PRE-EMPLOY.COM
• Provides employment background, investigative,
consumer reports.
• Phone: 800-300-1821ext 199
• http://portal.pre-employ.com/
• https://www.pre-employ.com/pdf/Investigative-
Report-Request-Form.pdf

PROFESSIONAL SCREENING &
INFORMATION, INC.
• Provides pre-employment screening services
• Phone: 877-235-7574
• http://www.psibackgroundcheck.com/
• http://www.psibackgroundcheck.com/contact-
us.shtml

STERLING INFOSYSTEMS, INC.
• Conducts employment background screening
services
• Phone: 877-424-2457
• http://www.sterlinginfosystems.com/fact-act-
disclosure.htm

TRAK-1 TECHNOLOGY
• Conducts background screening services
• Phone: 918-779-7000
• http://trak-1.com/questions/about-consumer-
compliance/

VERIFICATIONS INC.
• Phone: 877-884-1313
• http://www.verificationsinc.com/eng/whoweare/a
pplicant_information.cfm

THE WORK NUMBER
• Provides employment and income verification. Includes
data collected from large private sector payroll
processors.
• The company will provide one free report every 12
months.
• Equifax Workforce Solutions, also known as TALX
Corporation, operates The Work Number. TALX is a wholly
owned subsidiary of Equifax.
• Phone: 866-604-6570
• https://www.theworknumber.com/Employees/DataRep
ort/report_request.pdf

EMPLOYMENT DATA REPORT
• An Employment Data Report (EDR) gives you the ability
to see the information potentially being given out on you
when a verification is requested. This report is intended
to present transparency regarding your information on
The Work Number and can be provided upon request.
• Phone: 866-604-6570
• https://www.theworknumber.com/Employees/DataRep
ort/

CERTEGY
• Collects check writing histories and provides check screening
services primarily for retailers and gaming establishments who
accept checks as payment in their stores
• To Request by Phone: 1-866-543-6315
• https://www.askcertegy.com/FACT.jsp

CHEXSYSTEMS CONSUMER REPORT
• You can order a report to learn what information, if any,
is listed in your consumer file at ChexSystems. If you have
been denied an account from a bank or credit union,
and ChexSystems was used in the decision process, this
information will help you understand what may have
contributed to that decision.
• Phone 800-428-9623
• https://www.consumerdebit.com/consumerinfo/us/en/c
hexsystems/report/index.htm

EARLY WARNING SERVICES
• Early Warning supports consumers' rights to dispute and
correct inaccurate or incomplete information furnished
to Early Warning in accordance with the Fair Credit
Reporting Act (FCRA).
• Assists payment processors and check acceptance
companies by providing real-time verification against
high-risk accounts and identifying items at the point-of-
sale with a high likelihood of returning unpaid.
• If you wish to obtain Consumer Report Information,
please contact our Consumer Call Center at
• (800) 325-7775
• Monday - Friday 8:00 a.m. to 5:00 p.m. Arizona Time

TELECHECK
• Collects check writing history.
• Provides information on check fraud and conducts
check verifications for retailers who accept checks as
payment in their stores.
• Free annual file disclosure pursuant to the Fair Credit
Reporting Act
• Phone:1-800-366-2425
• http://www.firstdata.com/telecheck/telecheck-request-
file-report.htm
• *TeleCheck to Pay $3.5 Million for Fair Credit Reporting
Act Violations http://www.ftc.gov/news-events/press-
releases/2014/01/telecheck-pay-35-million-fair-credit-
reporting-act-violations

DIRECTV, LLC
• If you believe you are the victim of identity theft that has
resulted in the creation of a DIRECTV account using your
identity without your authorization please send a
completed and notarized Identity Theft Victim's
Complaint and Affidavit.
• Request a confirmation letter after the fraudulent
account have been cleared.
• File a complaint with the Federal Trade Commission:
https://www.ftccomplaintassistant.gov/#&panel1-1
• Phone: 800-860-8542
• http://www.directv.com/DTVAPP/content/legal/identity
_theft_identity_fraud

DISH NETWORK
• Similar to DIRECTV’s process. Be prepared to provide a
notarized Identity Theft Victim's Complaint and Affidavit
• Request a confirmation letter after the fraudulent
account have been cleared.
• File a complaint with the Federal Trade Commission:
https://www.ftccomplaintassistant.gov/#&panel1-1
• Phone 800-333-3474

YOUR RIGHT TO OBTAIN A REPORT
• If you received a notice that you were denied credit,
insurance, or employment or experienced another so-
called “adverse action” based on a consumer report,
you have a right to another free report from the
consumer reporting company identified in the notice.
• To get the additional free report you must request it
within 60 days after you receive the notice.
• Other types of “adverse action” notices you might
receive include notice of an unfavorable change in the
terms or amount of your credit or insurance coverage, or
unfavorable changes in the terms of your employment
or of a license or other government benefit.

THREE LARGEST NATIONWIDE
CONSUMER REPORTING COMPANIES
• Equifax, Experian, and TransUnion will provide you with a free
copy of your credit report, at your request, once every 12
months.
• The FCRA promotes the accuracy and privacy of information
in the files of the nation’s credit reporting companies.
• The Federal Trade Commission (FTC), the nation’s consumer
protection agency, enforces the FCRA with respect to credit
reporting companies.
• Phone: 1-877-322-8228
• https://www.annualcreditreport.com/index.action
• http://www.consumer.ftc.gov/articles/pdf-0043-free-credit-
reports.pdf

SUBMIT A COMPLAINT
Consumer Financial Protection Bureau
• Submit a complaint about problems with credit
reporting companies or information about their
credit reports.
• Contact us (855) 411-2372

ADVOCATE TIP
• If you are notified of either a payday loan, utilities, or someone
used your identity for employment fraud.
• Immediately notify the companies involved you are a victim of
identity theft and obtain the credit reporting agency they used
and order a free report.
• Place fraud alerts or security freezes with agency, if needed.
• Provide copies of the report with a detailed Identity Theft Victim's
Complaint and Affidavit to your local police department.
• Keep the original copies and track all agencies notified.
• Notify the three national credit bureau’s: Experian, TransUnion
and Equifax. Place either 90 day, 7 year or security freeze on your
credit file.
• Request a confirmation letter that all fraud has been removed
• http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-
affidavit.pdf

DATA BROKERS
• Master List of Data Broker Opt-Out Links

COMPILED AND DESIGNED BY MARK FULLBRIGHT , CERTIFIED IDENTITY THEFT RISK MANAGEMENT SPECIALIST™
(CITRMS) AS A FREE SERVICE FOR CONSUMERS TO PROTECT THEMSELVES ONLINE AND REDUCE THEIR EXPOSURE TO
IDENTITY THEFT.
COMPANY NAMES MENTIONED HEREIN ARE THE PROPERTY OF, AND MAY BE TRADEMARKS OF, THEIR RESPECTIVE
OWNERS.
R E S O U R C E S : * F E D E R A L T R A D E C O M M I S S I O N
* C O N S U M E R F I N A N C I A L P R O T E C T I O N B U R E A U

Specialty Credit Reports

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