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CONS UMER FINANCI AL P ROTECTION BUREAU 2020List of ConsumerReporting Companies

Table of ContentsTable of Contents .2Introduction .3Who can see your consumer reports? . 3You can get rejected without warning .4How to request a report?.4You can get your report from most of the companies in this list for free. 5Know when to check a report . 6You have the right to dispute the information in your reports . 6We’re here if you have complaints about your consumer reports. 7Nationwide consumer reporting companies . 8Employment screening.10Tenant screening .16Check and bank screening .20Personal property insurance .24Medical .27Low-income and subprime .28Supplementary reports .31Utilities .33Retail.34Gaming .352LIST OF CONSUMER REPORTING COMPANIES

IntroductionBelow is a list of consumer reporting companies updated for 2020.1 Consumer reportingcompanies collect information and provide reports to other companies about you. Thesecompanies use these reports to inform decisions about providing you with credit, employment,residential rental housing, insurance, and in other decision-making situations. The list belowincludes the three nationwide consumer reporting companies and several other reportingcompanies that focus on certain market areas and consumer segments. The list gives you tips soyou can determine which of these companies may be important to you. It also makes it easier foryou to take advantage of your legal rights to (1) obtain the information in your consumer reports,and (2) dispute suspected inaccuracies in your reports with companies as needed.Who can see your consumer reports?Consumer reporting companies must follow legal restrictions but generally can provide consumerreports and risk scores to an array of businesses, including: Lenders (including those that offer credit cards, home, payday, personal, title, autoincluding auto leasing, student loans, and security deposit financing and lease guaranteeson home rentals)13 Employers, volunteer organizations, and government agencies to determine eligibility forgovernment assistance (employment screening) Landlords and residential real estate management companies (tenant screening) Banks, credit unions, payment processors and retail stores that accept personal checks(check screening)T his list is current as of January 2020. It includes entities t hat have identified themselves as consumer reportingcom panies or have indicated they provide consumers a ccess to t heir personal consumer reports when requested. T helist incorporates information from the com panies’ own self-descriptions that has not been independently verified byt h e Bureau. This list does not cover ev ery com pany in t he industry. It is n ot intended to be all-inclusive. Nor does itr eflect determinations a s t o whether any particular entity is subject t o the Fair Credit Reporting Act. Furthermore,pr esence on, or absence from , this list does not indicate whether the consumer r eporting com pany is subject t o theBu r eau’s supervisory or enforcement authority. To prov ide your suggested corrections or additions t o the list, contactt h e Bureau at CFPB CCPD2@cfpb.gov and include “ Consumer Reporting Com pany List” in t he subject line.LIST OF CONSUMER REPORTING COMPANIES

Companies that market and sell products and services specifically to lower-incomeconsumers and subprime credit applicants, such as short-term lending and rent-to-ownbusinesses among others Debt buyers and collectors Insurance companies (health, life, property insurance screening) Communications and utility companies (e.g., mobile phone, pay TV, electric, gas, water) Retail stores for product return fraud and abuse screening as well as retail stores that offerfinancing such as appliance and rent-to-own businesses, among others Gaming casinos that extend credit to consumers and/or accept personal checksYou can get rejected without warningWith the exception of employment screening, users of consumer reports generally do not warnyou in advance if they are about to take an adverse action against you based in whole or in part onyour consumer report. Outside of employment screening, adverse action notifications areprovided after the fact, say, when maybe it’s too late and you have already been rejected for aloan, residential rental property or auto lease. The accuracy and completeness of your consumerreporting data, therefore, is extremely important.The good news is you have a meaningful role to play to help ensure your data is accurate andcomplete. The first step is to request your consumer reports from the consumer reportingcompanies you think might be important to you. The second step is to review your reports closely.The third step is to dispute suspected inaccuracies as needed. This Introduction describes thesesteps in detail, and also provides helpful information about how you can take greater control overyour consumer reporting data.How to request a report?Under the federal Fair Credit Reporting Act (FCRA), all consumer reporting companies arerequired to provide you a copy of the information in your report if you request it. Many must doso every twelve months for free upon your request. Additionally, they must give you a free copy ofyour information if you request it after an adverse action is taken against you based oninformation in your report from that company and under other specific circumstances. Allconsumer reporting companies must provide you with a copy of your information for areasonable fee (for calendar year 2020, the maximum allowable fee is 12.50). Requesting copiesof your own consumer reports does not hurt your credit scores. For companies required to4LIST OF CONSUMER REPORTING COMPANIES

provide the information in your report for free annually upon request, they must do so withinfifteen days of receiving your request.Not every consumer reporting company will have information on every consumer. A reportingcompany that specializes in insurance claim data, for example, will likely not have informationabout you if you have never filed an insurance claim. Also, some consumers with limited and/orout-of-date credit histories (sometimes known as “credit invisibles”) may not have enoughinformation for credit reporting companies to have reports about them. You may be one of thoseconsumers, although if you are making purchases using credit, or if you have credit that isdelinquent and is being reported on your credit reports by a debt collector, it’s unlikely.You can get your report from most of the companies in this list forfreeMost consumer reporting companies – especially the bigger nationwide companies – will provideyour information to you for free. We tell you which do. A few companies in the list will alsoprovide you with a free risk score if you request it. We tell you which of those do as well.Finally, your financial service providers might also provide you with free access to risk scores.Frequently these are the same scores they use to manage their credit relationships with you.Upon review of this list and the helpful web links in it, you might decide that exercising your freelegal rights and taking advantage of free services are sufficient for your needs. Think carefullyabout paid credit monitoring. There are so many different kinds of scores available in today’smarketplace, the credit scores and reports you buy or obtain from a third party website mightnot be the ones lenders use to make decisions about you.To order your report from a company listed below, click on the company link we provide. Somecompanies have separate forms for requests by postal mail. We provide links to those forms foryou.5LIST OF CONSUMER REPORTING COMPANIES

Know when to check a reportIt’s important to fact-check your consumer credit reports from the three nationwide consumerreporting companies (Equifax, TransUnion, Experian) every twelve months to ensure they areaccurate and complete, especially if you intend to purchase a home or car with credit, or otherwiseintend to apply for credit in the future. By virtue of a 2019 legal settlement, you can now also getsix additional free Equifax credit reports per year, as we describe below. Roughly 90% ofconsumers with credit files aren’t taking advantage of the free benefit to request their creditreports.2 There isn’t just “one” credit risk score, so it’s important to focus on the reportinginformation itself from which risk scores are derived. If you are applying for a job, to rent a home,or insurance policy, also fact-check your background screening reports to ensure there are noerrors. We give you detailed tips on when best to check those reports in the sections below asappropriate.Data breaches are an unfortunate reality. If you have been, or fear you may become, a victim ofidentity theft, fact-check your reports and consider blocking third-party access to your consumerreporting data through a security “freeze.” Below we tell you which company websites offeradditional information for you about your options to block third-party access to your consumerreporting data for certain purposes.Finally, be aware of your options to take greater control of your consumer reporting data,including also, if you want, to opt-out from credit and insurance direct marketing you might notwant to receive. There are also steps you can take to help keep your personal information secure.These steps may include enrolling in identity theft protection services. However, it’s important tounderstand the limits of identity theft protection services, and to consider the free alternativesdescribed herein, and by clicking-on the hyperlinks we provide. As the FTC says, “no service canprotect you from having your personal information stolen.”You have the right to dispute the information in your reportsIf you find information in your consumer report that you believe is inaccurate or incomplete, youhave the legal right to dispute the report’s content with the consumer reporting company and thecompany that shared the information to the reporting company, such as your lender. Under theFCRA, companies must conduct – free of charge – a reasonable investigation of your dispute. Thecompany that has provided the incorrect information must correct the error and notify all of theconsumer reporting companies to whom it provided the inaccurate information.2 SeeCon sumer Fin. Prot. Bu reau, Consumer Voices on Credit Reports and Scores, at 7 (Feb. 2015), available ath t tps://www.consumerfinance.gov /data-research/research-reports/consumer-v oices-on-credit-reports-and-scores.6LIST OF CONSUMER REPORTING COMPANIES