The term “consumer reporting agency” means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to ...
Nationwide consumer reporting companies There are three big nationwide providers of consumer reports: Equifax, TransUnion, and Experian.
A credit reporting agency is a business that maintains historical credit information on individuals and businesses. They receive reports from lenders and various other sources, and compile it into a credit report that includes a credit score when issued. They may also be referred to as a credit reporting bureau.
Consumer Reports is an independent, nonprofit member organization that works side by side with consumers for truth, transparency, and fairness in the marketplace. Consumer Reports works to create a fair and just marketplace for all.
Examples of consumer reports include criminal background checks and credit reports. To request a consumer report about someone, the requester must follow the procedures in the Fair Credit Reporting Act.
Nationwide consumer reporting companies There are three big nationwide providers of consumer reports: Equifax, TransUnion, and Experian.
Reports including personal knowledge or firsthand interaction, reports made among persons under common control, and reports other than credit (including skip tracing, law enforcement, dating, and laboratory reports) are not consumer reports.
Examples of consumer reports include criminal background checks and credit reports. To request a consumer report about someone, the requester must follow the procedures in the Fair Credit Reporting Act.