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HOW TO REQUEST YOUR CONSUMER REPORTS

CONTACT LCL FOR A FREE REVIEW OF ANY IDENTITY THEFT AND/OR INACCURATE ITEMS YOU MAY SEE ON YOUR CREDIT REPORTS.

The first step in obtaining a comprehensive review of all the inaccuracies included within your credit reports is by requesting copies from the credit bureaus. Equifax, Experian, and TransUnion are the three major credit bureaus that report exclusively loans, credit accounts, collections accounts, and credit inquiries in an individual’s name. You may retrieve free copies of your Equifax, Experian, and TransUnion reports from www.annualcreditreport.com.  This is a centralized request service that provides credit reports from the three credit reporting agencies without the need of you contacting each agency directly. You may also request copies of your credit reports be mailed to you. The Annual Report Request Service telephone number is (877) 322-8228.

Further, there are lesser known, but still important, consumer reporting agencies that track niche data on millions of Americans. This data includes information pertaining to checking and savings accounts, auto claims and accidents, rental history, health insurance claims and medical diagnoses, utility payment history, and employment history.

Below are various consumer reporting agencies and the information they report. The identity theft you are experiencing or the suspected inaccurate information on your consumer report will determine who you should obtain your report from.

If you suspect someone has opened checking and savings accounts in your name or if you were denied a checking or savings account for unknown reasons, then you may want to obtain your consumer reports from Chex Systems and/or Early Warning Services.

  • Chex Systems (checking and savings accounts) (800) 428-9623
  • Early Warning Services (checking and savings accounts) (800) 745-1560

If you suspect someone has auto/home insurance in your name, a claim was incorrectly reported, or if you were denied auto/home insurance insurance or experienced a substantial rate hike for unknown reasons, then you may want to obtain your consumer report from LexisNexis.

If you were denied job employment as a result of inaccurate information in your background report, then you may want to obtain your consumer report from Checkr, HireRight, and/or First Advantage. Your potential employer should have referenced which consumer reporting agency they obtained their information from.

  • Checkr (background reports, employment history, background history) (844) 824-3257
  • HireRight (background reports, employment history, background history): (866) 521-6995
  • First Advantage (background reports, employment history, background history) (800) 845-6004

If you were denied housing as a result of inaccurate information in your consumer report, then you may want to obtain your consumer report from RealPage/Leasing Desk, Appfolio, and/or Experian RentBureau. Your potential insurer should have referenced which consumer reporting agency they obtained their information from.

  • RealPage/Leasing Desk (rental history) (866) 934-1124
  • Appfolio (rental history) (866) 359-3630
  • Experian RentBureau (rental history) (877) 704-4519

If you were denied health insurance or life insurance as a result of inaccurate information in your background report, then you may want to obtain your consumer report from Milliman IntelliScript and/or Medical Information Bureau. Your potential insurer should have referenced which consumer reporting agency they obtained their information from.