The Credit Bureaus and Reporting Agencies
It isn't only the big three. Specialty agencies and background-screening companies are credit reporting agencies under the FCRA too — with the same duty to report accurately.
Nationwide Credit Bureaus
Equifax
One of the three nationwide bureaus. How to dispute an Equifax error and what to do when the reinvestigation fails.
Experian
The largest nationwide bureau. Filing an Experian dispute, the 30-day clock, and your rights after a bad result.
TransUnion
A nationwide bureau. How TransUnion handles disputes — and when a rubber-stamped reinvestigation becomes a federal claim.
Specialty Reporting Agencies
LexisNexis
A specialty CRA whose reports feed insurers and lenders. Errors here follow you into decisions you never see.
Innovis
The lesser-known nationwide-scale bureau most consumers never check — and where errors quietly persist.
ChexSystems
ChexSystems reports can get you denied a checking account. It is a CRA, and its errors are disputable under the FCRA.
SageStream
An alternative-data CRA used in lending and rental decisions. Inaccurate records here carry the same FCRA duties.
The Work Number
Equifax's employment-data CRA. Wrong income or job history can derail a loan or lease — and is correctable under the FCRA.
Background Screening Companies
HireRight
A major employment screening CRA. A HireRight error that costs you a job is a serious FCRA claim.
Sterling
One of the largest background screening companies. Mismatched records and stale data are recurring FCRA problems.
Checkr
The screening CRA behind much of the gig economy. A Checkr error can cost a driver or contractor their income.
Is Your Credit Report Wrong?
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