Federal Report or Study

This July 19, 2011, CFPB report to Congress examines the differences between those credit scores received by consumers and those used by creditors, that may have various adverse impacts on consumers. This report provides context for understanding these issues by describing the industry as a whole, important industry players, and the complexity of the credit scoring process. It then examines the ways credit scores are obtained and used, and discusses how the differences between the scores provided to creditors and those provided to consumers could disadvantage consumers.

This March, 2017, CFPB report describes the CFPB’s supervisory highlights concerning credit reporting—supervision of credit reporting agencies, furnishers of information to the agencies, and those using the information.  The CFPB identified failings in compliance management systems and violations of law both at CRCs and at furnishers.

This is a two page form that the CFPB requested that CRCs complete to aid the CFPB in its analysis of the consumer reporting industry.

This is a 2018 CFPB compilation of contact information for CRAs. Including nationwide CRAs, employment screening and tenant screening CRAs. check and bank screening CRAs, insurance and medical CRAs, low income and subprime CRAs, and supplementary report, utilities, retail and gaming CRAs.