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List of consumer reporting companies

You have a meaningful role to play to ensure the data about you maintained by consumer reporting companies is accurate and complete. You know your credit report is important, but the three nationwide consumer reporting companies—Equifax, TransUnion­, and Experianaren’t the only companies that collect information on you. Other companies collect information and prepare consumer reports about you—and you have a right to see those reports. This list of consumer reporting companies gives you the details you need to take action.

Know your data

Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision-making situations.

Who can see your consumer reports

Consumer reporting companies must follow legal restrictions, but can generally provide your consumer reports and scores to an array of businesses, including:

  • Debt buyers and collectors
  • Lenders, including those that offer credit cards, home loans, payday loans, auto loans or leasing, and student loans
  • Insurance companies
  • Employers, volunteer organizations, and government agencies to determine eligibility for government assistance
  • Landlords and residential real estate management companies
  • Banks, credit unions, payment processors, and retail stores that accept personal checks
  • Companies that market and sell products and services specifically to lower-income consumers and subprime credit applicants, such as short-term lending and rent-to-own businesses
  • Communications and utility companies 
  • Retail stores for product return fraud and abuse screening; as well as retail stores that offer financing, such as appliance and rent-to-own businesses
  • Gaming casinos that extend credit to consumers and/or accept personal checks

Know when to check a report

With the exception of employment screening, users of your reporting data generally don’t warn you in advance when they’re about to take an adverse action against you based in whole or in part on your consumer report. That's why the accuracy and completeness of your consumer reporting data is extremely important.

Check your reports regularly

It’s important to review your credit reports from the three nationwide consumer reporting companies—Equifax, TransUnion, and Experian—every twelve months to ensure they are accurate and completeThis is especially important if you intend to purchase a home or car with credit, or otherwise intend to apply for credit in the future.

Check your reports before making financial decisions

If you are applying for a job, an insurance policy, or a lease, you should fact-check your background screening reports to ensure there are no errors

Check your reports if you think you may be a victim of identity theft

Data breaches are an unfortunate reality. It’s important to be aware of your options to take greater control of your consumer reporting data. 

Fact-check your reports and consider blocking third-party access to your consumer reporting data through a security “freeze.” 

Resources to take action

How to request a report

Under the federal Fair Credit Reporting Act (FCRA) , all consumer reporting companies are required to provide you a copy of the information in your report if you request it. 

You are also entitled to a free credit report every 12 months from each of the three nationwide consumer reporting companies—Equifax, TransUnion, and Experian. You can request a copy through AnnualCreditReport.com

Learn how to request a report

You have the right to dispute the information in your reports

If you find information in your consumer reports that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information with the consumer reporting company, such as your lender. 

Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute.

Learn how to dispute an error

If you have complaints about your consumer reports

The Bureau handles consumer reporting complaints about report accuracy and completeness errors, credit repair services, and other consumer reporting topics. If you are dissatisfied with a company’s investigation of an earlier dispute, if you believe your consumer report was used improperly, or if you have problems getting access to your own consumer reports you may consider submitting a complaint. 

Submit a complaint